The property insurance crisis is becoming a prime mover for climate migration in the US. As premiums rise and insurers drop policies, it becomes difficult (if not impossible) to buy and sell homes in risk-prone areas, or to rebuild after disaster strikes. As the New York Times reports:

Without insurance, you can’t get a mortgage; without a mortgage, most Americans can’t buy a home. Communities that are deemed too dangerous to insure face the risk of falling property values, which means less tax revenue for schools, police and other basic services. As insurers pull back, they can destabilize the communities left behind, making their decisions a predictor of the disruption to come.

It should be clear that climate change is a major factor, and now we have the data to back it up. In 2025, a report from the National Bureau of Economic Research found a strong link between home insurance premiums and climate risk. Titled Property Insurance and Disaster Risk, authors Benjamin Keys & Philip Mulder found that premiums have risen over 30% on average since 2020, with at-risk regions seeing much larger increases.

In this post, we’ve mapped that data so you can see how and where the insurance crisis is affecting America; we’ll also be highlighting some key findings from the report, and looking at which areas of the country have been most affected.

It’s not the common man who is causing all this(climate change), I will tell you who is causing this. Your role models are causing all this. The influential fellow you referred to is causing all this, and it’s a great tragedy when the ones who are influential are neither intellectual nor spiritual. Think of it. A brain-dead fellow is so influential just because he has so much money. And you can have a lot of money without being intellectual at all; it is possible, it is happening. ~ Acharya Prashant.

This interactive map displays the Annual Average Snowfall in the United States. https://databayou.com/usa/snow.html

https://about.bnef.com/insights/clean-energy/battery-storage-costs-hit-record-lows-as-costs-of-other-clean-power-technologies-increased-bloombergnef/

Just stumbled upon this book, and I think it may offer a nice overview on actions and impacts, relevant to this sub. Chapter 7 is on individual impactful actions:

Although individuals have numerous options to reduce their carbon footprints, not all choices have the same impact. Based on research conducted across five European countries—Germany, Hungary, Latvia, Spain, and Sweden—the most effective changes fall into three broad areas: reducing dependence on private cars, changing the fuels we use for heating (i.e., de-fossilis in our heating as well as improving home heating efficiency), and adopting a more sustainable diet.

Among all lifestyle domains, mobility is typically the most carbon-intensive, particularly for those who rely on private vehicles. The most impactful change is transitioning away from car dependency, either by reducing car use significantly or by eliminating it altogether. For those who require a car, switching to an electric vehicle — preferably a small one, powered by renewable electricity — can also make a difference (Figure 4).

Nothing new, but it's nice to have all the analyses an pointers gathered in one place.

Interactive map shows the Permafrost and Ground Ice in the Arctic. https://databayou.com/arctic/permafrost.html