Climate change

Wealthy areas such as Beverly Hills, Malibu and Bel Air make up an increasingly large portion of the liability exposure — a dynamic that experts fear could bankrupt the program and undermine the private market.

New systems will help but insurers first need to organize institutional knowledge and review processes.

As climate change makes compound events more likely, experts warned that grappling with them is further complicated by the Trump administration's cuts to disaster work.

Human-induced changes to the global climate have "a direct and well-understood impact" on extreme heat and rainfall, according to a landmark new US National Academies report.

With many residents eschewing flood insurance, the floods may, in the long term, hurt the tax base, an analyst said

Climate scientists can now quickly assess how much worse a given extreme-weather event has been made by human-caused climate change.

The path forward is to assess risk one property at a time, in close to real time, using AI.

New Zealand's flood-prone homes are outperforming the rest of the country's housing market

Increasingly powerful weather trends are lowering the lifespan of roofs in the hardest-hit states, according to AI analysis by Nearmap.

The findings come as climate and weather risk is increasingly becoming part of the affordability equation for many homeowners, particularly as insurance and maintenance costs rise in vulnerable regions.

Allianz predicts fewer storms for 2026, but they could still lead to heavy losses if insurers don't use the proper technology to respond.

Extreme weather will likely spur more than $20 trillion in global spending over the next decade, according to analysts at Bloomberg Intelligence.

While insurance coverage has broadly kept pace with rising catastrophe exposure, the protection gap — in absolute terms — has gone up as the value of exposed assets has grown, the Swiss Re Institute said on Wednesday.

High-resolution aerial imagery and property intelligence are enabling insurers to compress the time between landfall and portfolio-level understanding from weeks to days.

Instead of waiting for claims to confirm damage patterns, carriers can begin identifying likely impact zones earlier.

A below-normal hurricane season may be ahead, according to NOAA, but insurers say preparedness remains critical as climate risks and coastal development intensify.

The counties with the greatest exposure lie along the coasts of Florida, Louisiana, South Carolina and Texas.

The next generation of pricing will harness AI, behavioral analytics and real-time data streams.

The people vying to be the state's next insurance commissioner share how they would work with property data, climate risk mitigation programs and legislative proposals to mitigate the impact of climate change on policyholders.

Proposed FEMA reforms could further increase financial strain for state and local governments after natural disasters.