Insurance

The insurance market is where climate financial risk is landing first and hardest. As wildfires, floods, and hurricanes grow more frequent and severe, insurers are repricing, restricting coverage, or exiting markets altogether. State insurance commissioners and legislatures are where the resulting fights over affordability, availability, and disclosure gets decided. It’s a topic the climate movement has historically paid little attention to, even as it determines whether homeowners in fire-, flood-, and hail-prone areas can stay insured, and whether insurers keep bankrolling the fossil fuel expansion that’s driving the risk in the first place. With homeownership the primary mode of wealth building for many families, predictable and healthy property insurance markets are key to economic thriving. 

We track state insurance legislation and regulatory action as it moves, maintaining a bill tracker used by our clients, advocates, journalists, and policymakers following the issue in real time.