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I wouldn’t be surprised if a majority of those casualties in the USA will be in Florida and California.
Many of the major insurance companies stopped issuing new home owners policies in those states because it was no longer profitable or very risky. IIRC, increasing housing costs and frequency of these events was the main reason they pulled out
Yup. The same people who deny science start paying attention once their own money becomes involved.
In Florida, the issue is rising sea levels. If you look at one of those interactive maps showing the effects of a rising sea level, you’ll notice that all of southern Florida is at risk of major flooding.
In California, wildfires are the problem. As the atmosphere gets warmer and rainfall becomes unreliable, forests get drier. Fires will become bigger, spread faster, and be even more frequent.
Neither state will be a profitable place for home insurance companies.
In Florida the issue has little to do with rising sea levels at the moment. There's a Bad Faith law that makes the insurance companies responsible for the policyholders legal bills if the decision increases the amount of the settlement. There are a lot of lawyers that take cases and only bill if they win, and if they do win they bill a lot. There is also a lot of insurance fraud in Florida, both of which drove up the legal costs to insurers. Catastrophic events are more impactful to insurers in Florida since Florida has passed a law preventing international reinsurers from being used. So when a hurricane hits rather than having the costs borne by a larger number of insurers across the globe, only US insurers will be spending money on the catastrophe. This has pushed many insurers to insolvency.
In California rate increases could allow insurers to keep up with rising costs. Note that the percent of homes affected by wildfires is only somewhat up over the past roughly 20 years, the real problem is the increase in severity due to rising property values and insurers being unable to raise rates due to Prop 103. Prop 103 allows for public interest groups to have hearings with the DOI and the insurance company to determine if a rate increase of 7% or higher is justified, and the insurance company must pay the legal costs of the public interest group(s). The lawyers who lobbied for this law have set up a public interest group and start hearing whenever an insurer tries to increase rates at 7% or more. Said group tries to drag out the hearings as long as possible, since it's free money.