Actions Around the Home
The Frog will explore The Climate Action Handbook: A Visual Guide to 100 Climate Solutions by Heidi Roop in the first 100 days of 2024
In the first `100 days of 2024 we will explore 100 climate solutions that may “empower you to evaluate, engage, and act” to address on-going climate change as an individual on your terms.
In 2021, uninsured losses from natural catastrophes were estimated at $105 billion. Deep freeze. Prolonged floods. Deluges. Wildfires. Heat waves. And a major hurricane.
More and more people are accepting that the weather is different. Insurance companies are certainly accepting the changing normal for natural disasters and adjusting to it. Home and rental insurance premiums are going up everywhere and in some areas insurance companies are refusing coverage because of the risks of a changing climate. Without scrutiny, changing terms and coverage levels may leave us without the protection we expect.
Hurricanes are not an issue in Minnesota, but increasingly the risk of floods are. The Federal Emergency Management Agency is updating flood insurance policies to reflect the emerging patterns. The Association of State Floodplain Managers is tracking an upward trend in flood insurance premiums and given the number and demographics of people at risk for losing coverage, local governments are stepping in to ensure equitable response when disaster strikes.
It is unclear how sustainable all of this is.
Carefully consider your own situation and the risks that you face. In most places there is increased risk of flooding and wildfires. Examine your policies and consider the health and actions of your insurance provider. Expect that premiums will continue to rise overall, and in some locations may become unaffordable. These are the costs of climate change that we all face.
Next Up: Climate Action in 2024 – Day 53: Prepare a Go Bag and a Stay Bin
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Email: rescuethatfrog@gmail.com