"They may cuss us out, but they never stop building." That. Right. There.
It has long going to be the case that anti-zoning sentiment coupled with wealthy and wealthy-ish desire to live in pretty places was going to drive us to this point. And it was always going to be the case that the US system is designed such that the for-profit insurers would have to be the first to blink. They are blinking now - the only way they know how, by getting the heck out of places no sane person would insure.
What comes next is key. At the moment, the US taxpayers and homeowners still massively subsidize people who live in the woods or at the beach. We spend massive amount of money protecting and remediating communities that are at the point of the climate spear - and many of those are doing precious little to deserve it. As calls for state-mandated insurance pools escalate to action, that is going to get worse.
As Florida is learning, even if you can harden the houses, the community and infrastructure cannot withstand climate-change supercharged events.
Dave, on the anti-vaccine issue: it doesn't hurt to keep repeating that the anti-vaxxers are effectively relying on everyone ELSE to be vaccinated so as to keep down circulating levels of disease/ give herd immunity (to them as well). They don't seem to know or care about the logical conclusion of their stance....
"They may cuss us out, but they never stop building." That. Right. There.
It has long going to be the case that anti-zoning sentiment coupled with wealthy and wealthy-ish desire to live in pretty places was going to drive us to this point. And it was always going to be the case that the US system is designed such that the for-profit insurers would have to be the first to blink. They are blinking now - the only way they know how, by getting the heck out of places no sane person would insure.
What comes next is key. At the moment, the US taxpayers and homeowners still massively subsidize people who live in the woods or at the beach. We spend massive amount of money protecting and remediating communities that are at the point of the climate spear - and many of those are doing precious little to deserve it. As calls for state-mandated insurance pools escalate to action, that is going to get worse.
As Florida is learning, even if you can harden the houses, the community and infrastructure cannot withstand climate-change supercharged events.
also this: https://www.9news.com/article/news/local/wildfire/insurance-based-firefighting-colorado-house-wildfire/73-cd9e39bf-c516-4e14-9f39-063b067367c2
thanks for your great work and all the best for 2025!
Dave, on the anti-vaccine issue: it doesn't hurt to keep repeating that the anti-vaxxers are effectively relying on everyone ELSE to be vaccinated so as to keep down circulating levels of disease/ give herd immunity (to them as well). They don't seem to know or care about the logical conclusion of their stance....