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Could climate change make Florida uninsurable?

June 26, 2013

Hurricane Elena 1985, Florida damage on state road 98. Photo by Mark Foley, via

Climate-change deniers can hide their heads in the sand for as long as they’d like, but don’t expect the insurance industry to do the same. At least not if it’s going to affect the bottom line. According to this story by science magazine Nautilus, insurers are growing increasingly concerned about how climate change and warmer oceans are increasing the likelihood that bigger and scarier storms will continue to cause mass destruction in the communities they hit. As a result, that means bigger and scarier payouts on homeowners insurance policies taken out to cover homes in storm-damaged regions.

Nautilus quotes a report released by insurance-industry trade group the Geneva Association, which name-checks Florida as one of the places the risk is great for lots of storm-related destruction. And the report goes on the state that Florida could, theoretically, become pretty much an uninsurable state because, though people continue to spend more money on insurance, nobody’s doing enough to actually mitigate the risks associated with climate change, much less trying to educate people about the problem properly.

That’s just a little bit frightening.

Even more frightening? Some of the massive algae blooms and sea-life die-offs that have been happening along the Indian River Lagoon, responsible for the deaths of 111 manatees, 46 dolphins and hundreds of pelicans, just an hour from here. Climate-change related? Nobody knows for certain, though scientists haven’t ruled it out.


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  • DemDoug

    Insurers are the worst people to determine risk, because they want more premium dollars. The risk is great, but they want the risk privatized and we need to share it.