In the News
The Coalition for an Insurable Future is helping bring national attention to the skyrocketing insurance rates due to a changing climate.
June 23, 2026
SC will have one of largest insurance rate jumps by 2035, report says. Here’s why, how much
South Carolina is a beautiful state to live in, but it’s also one of the most expensive states for home insurance in the U.S., and a recent report warns that it’ll get even costlier in the coming years due to increasing climate risk.
June 8, 2026
Insurance impacts to 'snowball' after US federal cuts erode modeling data backbone
Sweeping U.S. federal cuts to several science agencies are stripping away the public data that underpins how insurers price floods, hurricanes and wildfires, several insurance industry commentators told The Insurer.
June 8, 2026
‘Living on prayer’: Some Miami-area homeowners head into hurricane season uninsured
Giselle Torres’ homeowners insurance has gone up more than 1,100% since she moved into her one-story baby blue house near Opa-locka 35 years ago. After her husband died unexpectedly last April, she couldn’t afford the bill when it came time to renew.
May 8, 2026
US home insurance premiums could surge over 200% in Southeast by 2035
Home insurance premiums in Southeastern states such as Louisiana and South Carolina could rise by more than 200% by 2035, while climate risk could drive national premiums up by 15% to 35% over the same period, according to a new report by the Coalition for an Insurable Future and economic research and advisory firm Mandala Partners.
May 8, 2026
New Home Insurance Report Warns of $1 Trillion in Economic Losses, Financial Recession from a Changing Climate
A landmark report released by the Coalition for an Insurable Future reveals a stark future for the US economy, which could incur costs of $1 trillion by 2035 – and $3 trillion by 2050.
April 30, 2026
The polycrisis is a vicious spiral.
That’s Chloe Demrovsky’s top line takeaway in a recent interview for NBC News affiliate KGET-TV 17 in yesterday’s discussion of the state of California insurance markets. “California’s rising insurance premiums are primarily driven by wildfire risks." Chloe Demrovsky, member of the Coalition for an Insurable Future, said a key reason inland counties have more risk is because the region’s wild land urban interface is where the edges of residential development and undeveloped wild land meet.
April 25, 2026
Congress’ road to affordable housing ignores what comes next
Affordability is the buzzword on every political pundit’s tongue this year, and rightfully so — Americans are struggling to keep their head above water as costs continue to rise. In response, Congress has mostly set partisanship aside to provide Americans relief for one of the costliest pillars of American life: housing.
April 13, 2026
The carbon credit conundrum
After years of trying to crack down on questionable climate claims, Sacramento may be settling for something simpler: keeping the carbon credit market alive.
March 16, 2026
Insurance and Risk Experts Warn That National Center for Atmospheric Research (NCAR) Closure Could Harm Insurance Markets
Insurance experts and the American Academy of Actuaries warn that dismantling the National Center for Atmospheric Research (NCAR) will cripple the data infrastructure insurers rely on to model climate risk.
January 7, 2026
The Catch-22 of Trump’s tax refunds
A new coalition that will dig into how climate change is affecting the home insurance market is launching today on the first anniversary of the Palisades fires that devastated Southern California.
January 7, 2026
Coalition for an Insurable Future Launches to Address the Climate-Insurance Crisis.
New group of cross-industry experts launches to raise awareness around the economic impacts of the climate-driven insurance crisis. New York, NY – Today, The Coalition for an Insurable Future is officially launching to raise awareness, promote discussion, and convene decisionmakers on one of the most urgent and overlooked consequences of our changing climate: the collapse of home insurance.
January 5, 2026
Tool Identifies Insurance Payout Estimate Gaps
This article introduces ClaimArchitect, an AI tool designed to help homeowners identify massive shortfalls—often over $1 million—between insurance payouts and actual rebuilding costs. By providing hyper-localized data on labor and permitting, it helps residents in high-risk areas negotiate more effectively with insurers.
December 16, 2025
Is The American Dream Of Homeownership Still Insurable?
Chloe Demrovsky examines how climate-driven disasters are making property insurance unaffordable or unavailable in many U.S. regions. The piece argues that the "American Dream" is at risk unless there is a fundamental shift in land-use policies and a stronger focus on building for climate resilience.
December 10, 2025
What happens when a real estate giant tries to suppress climate-risk data?
This opinion piece critiques efforts by real estate entities to hide climate risk scores from property listings. The author warns that suppressing this data only protects short-term sales while leaving buyers vulnerable to uninsurable investments and future market crashes.
December 5, 2025
Opinion: What Zillow Won't Tell You
This article explores the tension between transparency and property values as platforms like Zillow and Redfin navigate whether to display flood and wildfire risks. It highlights the growing industry battle over who should control and disclose data that could potentially devalue homes.
November 12, 2025
It's harder to get home insurance. That's changing communities across the U.S.
NPR reports on how the insurance crisis is reshaping American communities as private insurers flee high-risk states. The story illustrates how rising premiums and "last resort" policies are becoming a primary driver of housing unaffordability, forcing many families to relocate.
August 26, 2025
Where home insurance costs the most — and least.
Extreme weather is driving sky-high home insurance prices in some especially storm-prone parts of the country, a new analysis finds.
Why it matters: Climate change is supercharging extreme weather events like hurricanes, increasing the odds of losses and claims and driving up insurance premiums.
Driving the news: The national average for annual home insurance premiums is up 9% since 2023, per a new Bankrate breakdown, hitting $2,470 as of July.
August 13, 2025
Is the future insurable? Global climate change is shrinking the range of insurability.
Property insurance is a remarkable product that developed in a climate remarkable for its stability. For centuries, risks from floods or fires or hurricanes were manageable and people could settle almost anywhere. The probability of risks was stable. For example, instead of saying that a storm had a 1% probability, we called it a “1-in-100-year storm”, implicitly assuming that all 100-year periods would be the same. This predictability made property insurance a minor concern and a minor expense.
Coalition for an Insurable Future Statement on the Senate Passage of the 21st Century ROAD to Housing Act.
New York, New York – In response to the Senate’s passage of the 21st Century ROAD to Housing Act, which aims to boost housing supply and bring down costs, the Coalition for an Insurable Future released the following statement.
