CINXE.COM

<!DOCTYPE html><html lang="en" style="scroll-behavior:auto"><head><meta charSet="utf-8"/><meta name="msapplication-TileColor" content="#da532c"/><meta name="theme-color" content="#ffffff"/><meta name="viewport" content="width=device-width, initial-scale=1"/><link rel="preload" href="/context-logo.svg" as="image" fetchpriority="high"/><title>In Data: How much is climate change affecting your home insurance? | Context</title><link rel="canonical" href="https://www.context.news/climate-risks/in-data-how-much-is-climate-change-affecting-your-home-insurance"/><meta property="title" content="In Data: How much is climate change affecting your home insurance? | Context"/><meta name="description" content="Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January"/><meta name="keywords" content=""/><meta property="og:title" content="In Data: How much is climate change affecting your home insurance? | Context"/><meta property="og:description" content="Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January"/><meta property="og:image" name="image" content="https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1200w/Jpeg"/><meta property="og:url" content="https://www.context.news/climate-risks/in-data-how-much-is-climate-change-affecting-your-home-insurance"/><meta name="author" content="Diana Baptista, David Sherfinski"/><meta name="publish_date" property="og:publish_date" content="2025-02-13T12:00:00.000Z"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@TRF"/><meta name="twitter:creator" content="@TRF"/><meta name="twitter:title" content="In Data: How much is climate change affecting your home insurance? | Context"/><meta name="twitter:description" content="Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January"/><meta name="twitter:image" content="https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1200w/Jpeg"/><meta property="og:type" content="article"/><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.context.news/climate-risks/in-data-how-much-is-climate-change-affecting-your-home-insurance"},"headline":"In Data: How much is climate change affecting your home insurance?","url":"https://www.context.news/climate-risks/in-data-how-much-is-climate-change-affecting-your-home-insurance","description":"Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January","image":"https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1200w/Jpeg","author":[{"@type":"Person","name":"Diana Baptista"},{"@type":"Person","name":"David Sherfinski"}],"publisher":{"@type":"Organization","name":"Context","logo":{"@type":"ImageObject","url":"https://www.context.news/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fcontext-logo.aceb2fc3.svg&w=3840&q=75"}},"datePublished":"2025-02-13","dateModified":"2025-02-13"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Climate","item":"https://www.context.news/climate"},{"@type":"ListItem","position":2,"name":"Climate Risks","item":"https://www.context.news/climate-risks"}]}</script><link rel="preload" as="image" imageSrcSet="https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/16w/80q 16w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/32w/80q 32w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/48w/80q 48w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/64w/80q 64w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/96w/80q 96w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2400w/80q 2400w" imageSizes=" (max-width: 640px) 60px, (max-width: 900px) 60px, (max-width: 1200px) 60px, 60px " fetchpriority="high"/><link rel="preload" as="image" imageSrcSet="https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/16w/80q 16w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/32w/80q 32w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/48w/80q 48w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/64w/80q 64w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/96w/80q 96w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2400w/80q 2400w" imageSizes=" (max-width: 640px) 60px, (max-width: 900px) 60px, (max-width: 1200px) 60px, 60px " fetchpriority="high"/><link rel="preload" as="image" imageSrcSet="https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2400w/80q 2400w" imageSizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 950px " fetchpriority="high"/><meta name="next-head-count" content="27"/><link rel="apple-touch-icon" sizes="180x180" href="/icons/apple-touch-icon.png"/><link rel="icon" type="image/png" sizes="32x32" href="/icons/favicon-32x32.png"/><link rel="icon" type="image/png" sizes="16x16" href="/icons/favicon-16x16.png"/><link rel="mask-icon" href="/icons/safari-pinned-tab.svg" color="#5bbad5"/><link rel="stylesheet" data-href="https://use.typekit.net/soa6xwi.css"/><link rel="preconnect" href="https://use.typekit.net" crossorigin /><link rel="preload" href="/_next/static/media/08f4947ad4536ee1-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/c4250770ab8708b6-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/cbf0cf964d38eedc-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/css/455c94c2354fc04d.css" as="style"/><link rel="stylesheet" href="/_next/static/css/455c94c2354fc04d.css" data-n-g=""/><link rel="preload" href="/_next/static/css/78c9f7dd65090cf0.css" as="style"/><link rel="stylesheet" href="/_next/static/css/78c9f7dd65090cf0.css" data-n-p=""/><link rel="preload" href="/_next/static/css/72e54517e9d74b53.css" as="style"/><link rel="stylesheet" href="/_next/static/css/72e54517e9d74b53.css" data-n-p=""/><link rel="preload" href="/_next/static/css/dc2a6a38dabf6a8c.css" as="style"/><link rel="stylesheet" href="/_next/static/css/dc2a6a38dabf6a8c.css" data-n-p=""/><link rel="preload" href="/_next/static/css/859c639cdf0add23.css" as="style"/><link rel="stylesheet" href="/_next/static/css/859c639cdf0add23.css" data-n-p=""/><link rel="preload" href="/_next/static/css/9a4a4f401061af34.css" as="style"/><link rel="stylesheet" href="/_next/static/css/9a4a4f401061af34.css" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-c67a75d1b6f99dc8.js"></script><script src="/_next/static/chunks/webpack-3c2996e79042d666.js" defer=""></script><script src="/_next/static/chunks/framework-d66842f9c0c69a50.js" defer=""></script><script src="/_next/static/chunks/main-cb534a568f362638.js" defer=""></script><script src="/_next/static/chunks/pages/_app-68be5da1edb17f49.js" defer=""></script><script src="/_next/static/chunks/6066-d2684fb345193218.js" defer=""></script><script src="/_next/static/chunks/3021-c4d86772ba89d241.js" defer=""></script><script src="/_next/static/chunks/7794-3175160875e4ca60.js" defer=""></script><script src="/_next/static/chunks/4142-0f7ebb051c63505f.js" defer=""></script><script src="/_next/static/chunks/5790-e667023e411564f2.js" defer=""></script><script src="/_next/static/chunks/6277-05610307b6f75787.js" defer=""></script><script src="/_next/static/chunks/1890-bbf7b7e6de261741.js" defer=""></script><script src="/_next/static/chunks/9517-1355e8a00c1fc8e1.js" defer=""></script><script src="/_next/static/chunks/pages/%5BprimaryTopic%5D/%5BurlTitle%5D-3ef2a19102831bc7.js" defer=""></script><script src="/_next/static/Ki8LPAhZBLBoypJ6Z7d-0/_buildManifest.js" defer=""></script><script src="/_next/static/Ki8LPAhZBLBoypJ6Z7d-0/_ssgManifest.js" defer=""></script><style data-href="https://use.typekit.net/soa6xwi.css">@import url("https://p.typekit.net/p.css?s=1&k=soa6xwi&ht=tk&f=39512.39516.39519.39521.39523.43128.43129.43132.43133&a=253013888&app=typekit&e=css");@font-face{font-family:"neue-haas-unica";src:url("https://use.typekit.net/af/8a8abc/00000000000000007735bb07/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n6&v=3") format("woff2"),url("https://use.typekit.net/af/8a8abc/00000000000000007735bb07/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n6&v=3") format("woff"),url("https://use.typekit.net/af/8a8abc/00000000000000007735bb07/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n6&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:600;font-stretch:normal}@font-face{font-family:"neue-haas-unica";src:url("https://use.typekit.net/af/92a736/00000000000000007735bb14/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n7&v=3") format("woff2"),url("https://use.typekit.net/af/92a736/00000000000000007735bb14/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n7&v=3") format("woff"),url("https://use.typekit.net/af/92a736/00000000000000007735bb14/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n7&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:700;font-stretch:normal}@font-face{font-family:"neue-haas-unica";src:url("https://use.typekit.net/af/5da8b8/00000000000000007735bb1e/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n3&v=3") format("woff2"),url("https://use.typekit.net/af/5da8b8/00000000000000007735bb1e/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n3&v=3") format("woff"),url("https://use.typekit.net/af/5da8b8/00000000000000007735bb1e/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n3&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:300;font-stretch:normal}@font-face{font-family:"neue-haas-unica";src:url("https://use.typekit.net/af/579a71/00000000000000007735bb24/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n5&v=3") format("woff2"),url("https://use.typekit.net/af/579a71/00000000000000007735bb24/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n5&v=3") format("woff"),url("https://use.typekit.net/af/579a71/00000000000000007735bb24/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n5&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:500;font-stretch:normal}@font-face{font-family:"neue-haas-unica";src:url("https://use.typekit.net/af/d7f1e9/00000000000000007735bb2a/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n4&v=3") format("woff2"),url("https://use.typekit.net/af/d7f1e9/00000000000000007735bb2a/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n4&v=3") format("woff"),url("https://use.typekit.net/af/d7f1e9/00000000000000007735bb2a/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n4&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:400;font-stretch:normal}@font-face{font-family:"moret";src:url("https://use.typekit.net/af/4874f9/00000000000000007735cc79/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n4&v=3") format("woff2"),url("https://use.typekit.net/af/4874f9/00000000000000007735cc79/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n4&v=3") format("woff"),url("https://use.typekit.net/af/4874f9/00000000000000007735cc79/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n4&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:400;font-stretch:normal}@font-face{font-family:"moret";src:url("https://use.typekit.net/af/9ea3c1/00000000000000007735cc7b/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=i4&v=3") format("woff2"),url("https://use.typekit.net/af/9ea3c1/00000000000000007735cc7b/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=i4&v=3") format("woff"),url("https://use.typekit.net/af/9ea3c1/00000000000000007735cc7b/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=i4&v=3") format("opentype");font-display:swap;font-style:italic;font-weight:400;font-stretch:normal}@font-face{font-family:"moret";src:url("https://use.typekit.net/af/1d0b2f/00000000000000007735cc81/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n7&v=3") format("woff2"),url("https://use.typekit.net/af/1d0b2f/00000000000000007735cc81/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n7&v=3") format("woff"),url("https://use.typekit.net/af/1d0b2f/00000000000000007735cc81/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=n7&v=3") format("opentype");font-display:swap;font-style:normal;font-weight:700;font-stretch:normal}@font-face{font-family:"moret";src:url("https://use.typekit.net/af/396835/00000000000000007735cc83/30/l?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=i7&v=3") format("woff2"),url("https://use.typekit.net/af/396835/00000000000000007735cc83/30/d?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=i7&v=3") format("woff"),url("https://use.typekit.net/af/396835/00000000000000007735cc83/30/a?primer=7cdcb44be4a7db8877ffa5c0007b8dd865b3bbc383831fe2ea177f62257a9191&fvd=i7&v=3") format("opentype");font-display:swap;font-style:italic;font-weight:700;font-stretch:normal}.tk-neue-haas-unica{font-family:"neue-haas-unica",sans-serif}.tk-moret{font-family:"moret",serif}</style></head><body><div id="__next"><div class="Container_containerOuter__y3M_F"><div class="__className_8eb84a __variable_8eb84a"><div id="fader" class=" Fader_fader__6NyoN"></div><header class="Header_header__LV3JK"><div class="Header_headerContent__Ti_bM"><div><button class="SkipContent_button__K_86V">Skip to Content</button><div class="Header_headerTop__Fk_Xk"><ul><li><span style="margin-top:-0.2rem">Powered by</span></li><li><a href="https://www.trust.org" target="_blank" rel="noreferrer" aria-label="Thomson Reuters Foundation Website, Trust.org"></a></li></ul><ul><li><a href="/">My Feed</a></li><li><a href="/newsletters">Newsletters</a></li></ul></div><div class="Header_headerBottom__p3KB2"><div class="Header_header__headerBottomLeft__8Iz4f"><button id="#hamburgerMenu" class="Button_btnHamburger__KjfNc" type="button" role="button" tabindex="0" aria-label="Open Hamburger Menu" data-cy="hamburger-menu-toggle-open"></button></div><div><a class="Header_linkContext__R9wZR" href="/"><img alt="Context" fetchpriority="high" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/context-logo.svg"/></a><span>Know better. Do better.</span></div><div><ul><li><a href="/" title="User Profile"></a></li><li><a href="components/Layout/Header">My Feed</a></li><li><a class="Header_linkNewsletters__Nzzd5" data-cy="newsletter-button" href="/newsletters">Newsletters</a></li></ul></div></div></div><nav class="NavBar_wrapper__ya_YP" data-cy="nav-bar-wrapper"><ul class="NavBar_content__Sf9Mk"><li class="NavBarItem_item__C1xLY "><div class="NavBarItem_label__kGaX_"><a data-cy="Climate-nav-bar-main-item" href="/climate">Climate</a></div></li><li class="NavBarItem_item__C1xLY "><div class="NavBarItem_label__kGaX_"><a data-cy="Inclusive Economies-nav-bar-main-item" href="/inclusive-economies">Inclusive Economies</a></div></li><li class="NavBarItem_item__C1xLY "><div class="NavBarItem_label__kGaX_"><a data-cy="Tech & Society-nav-bar-main-item" href="/tech-society">Tech & Society</a></div></li></ul></nav></div><div class="Header_headerStickyFiller__HYJ_Y"></div></header><div id="main-content-wrapper"><main class="container-fluid Layout_main__E16O_"><section class="row Layout_main__articlePage__iLBBW"><div class="col-sm-24 col-lg-17"><section class="Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class="Breadcrumb_wrapper__ceO7Z "><nav class="Breadcrumb_breadcrumb__tssZn" aria-label="Breadcrumb"><a id="mobileBreadcrumb" class="d-sm-none" aria-label="Climate" href="/climate"><div class="Breadcrumb_breadcrumb__mobileBtn__8tzxy"></div></a><div class="Breadcrumb_breadcrumb__spacer__ehOpK"><a class="Breadcrumb_breadcrumb__spacer__tab__iP9Zb" href="/climate">Climate</a><div class="Breadcrumb_breadcrumb__spacer__chevron__ZSQ4Y"><img alt="" loading="lazy" width="10" height="15" decoding="async" data-nimg="1" style="color:transparent;width:100%;height:auto" src="/icons/icon-breadcrumb-chevron.svg"/></div></div><div class="Breadcrumb_breadcrumb__spacer__ehOpK"><a class="Breadcrumb_breadcrumb__spacer__tab__iP9Zb" href="/climate-risks">Climate Risks</a></div></nav></div></div></div><hr class="Container_mainDivider__Y3X5_" role="none"/></section><section class="Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class="ContentHeader_wrapper__ECybl"><div class="ContentHeader_article__KkQhk"><div class="ContentHeader_article__header__UPtke"><h1 tabindex="-1" class=" ">In Data: How much is climate change affecting your home insurance?</h1></div><div class="ContentHeader_detailWrapper__Xp8mk"><div class="ContentHeader_article__author__tHEof" id="news-item-author-container"><div class="ContentHeader_article__author__pictures__fX9nR"><div title="Diana Baptista" style="z-index:10" class="ContentHeader_article__author__pictures__profile___setV "><div class="ContentHeader_article__author__pictures__profile__image__HuTPk"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 100"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="0" href="/profile/diana-baptista"><img alt="Diana Baptista profile picture" fetchpriority="high" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 60px, (max-width: 900px) 60px, (max-width: 1200px) 60px, 60px " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/16w/80q 16w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/32w/80q 32w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/48w/80q 48w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/64w/80q 64w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/96w/80q 96w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/d18246f32e29d91b675ff9ca9cd51053/2400w/80q"/></a></div></div></div><div title="David Sherfinski" style="z-index:11" class="ContentHeader_article__author__pictures__profile___setV "><div class="ContentHeader_article__author__pictures__profile__image__HuTPk"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 100"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="0" href="/profile/david-sherfinski"><img alt="David Sherfinski profile picture" fetchpriority="high" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 60px, (max-width: 900px) 60px, (max-width: 1200px) 60px, 60px " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/16w/80q 16w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/32w/80q 32w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/48w/80q 48w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/64w/80q 64w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/96w/80q 96w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/1c833db55ac5c421c3f035cae31ccfbf/2400w/80q"/></a></div></div></div></div><div class=" ContentHeader_article__author__info__Ro6A_"><p><span><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="0" href="/profile/diana-baptista">Diana Baptista,</a></span><span><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="0" href="/profile/david-sherfinski">David Sherfinski</a></span></p><p>Published: February 13, 2025 </p></div></div><div class=" ContentHeader_article__cta__actions__m1SSX"><div class="ContentHeader_article__cta__actions__share__4Vz5N"><button id="share-button" aria-label="Share"><i><img alt="share icon" loading="lazy" width="20" height="20" decoding="async" data-nimg="1" style="color:transparent;width:100%;height:auto" src="/icons/icon-content-header-share.svg"/></i><span class="clickableUnderLine">Share</span></button></div></div></div></div></div></div></div></section><section class="undefined Layout_mobilePadding__qQQZO"><div class="row"><div class="col col-24"><div class="ArticleMain_heroImage__Qnkt6"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><img alt="Two firefighters stand near a burning home during the Eaton Fire in Pasadena, California, U.S., January 7, 2025. REUTERS/Mario Anzuoni" fetchpriority="high" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 950px " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/0a94e2cb990185eee3c62a251e8f3a4a/2400w/80q"/></div></div></div><div class="col col-24 col-lg-6"><div class="ArticleMain_heroImage__imageCaption__NgA_j"><p>Two firefighters stand near a burning home during the Eaton Fire in Pasadena, California, U.S., January 7, 2025. REUTERS/Mario Anzuoni</p></div></div><div class="col col-24 col-lg-18"><div class="ArticleSummary_articleSummary__KD3Cr "><h2>What鈥檚 the context?</h2><p>Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January.</p></div><div class="ArticleText_text__9RYj1 "><ul> <li>Biden Treasury department releases massive insurance data set</li> <li>Higher climate risk zones face higher premium, non-renewal rates</li> <li>Homeowners insurance in focus after LA area wildfires</li> </ul> <p>MEXICO CITY/RICHMOND, Virginia - Climate change is fast <a href="https://www.context.news/in-focus/end-of-insurance" target="_blank" rel="noopener">upending home insurance</a> rates in the United States – almost regardless of where one lives.</p> <p>In the aftermath of the Los Angeles area wildfires, California's largest private insurer requested significantly higher rates for homeowners from May as it dealt with costly claims, while there were widespread reports that insurers were dropping customers before the disaster first struck in early January.</p> <p>Precisely where and how much insurance rates have risen and are projected to rise will be instrumental in how the U.S. housing market adapts to climate change in the long run.</p> <p>To that end, the U.S. Treasury Department – with the help of the National Association of Insurance Commissioners (NAIC) and state regulators – has released a <a href="https://home.treasury.gov/system/files/311/Analyses_of_US_Homeowners_Insurance_Markets_2018-2022_Climate-Related_Risks_and_Other_Factors_0.pdf" target="_blank" rel="noopener">first-of-its-kind report</a> examining cost and changes over time of metrics like insurance premiums and non-renewal rates across the country.</p> <p>The report is unprecedented in its scope, covering more than 330 insurers and more than 246 million homeowners insurance policies from 2018 through 2022.</p> <p>The report "identifies alarming trends of rising costs of insurance – to consumers and insurers themselves – as well as lack of availability of insurance, all of which threaten the long-term prosperity of American families," said former Treasury Secretary Janet Yellen in January, when the report was released at the tail end of the Biden administration.</p> <p>What are the major takeaways? Here's what you need to know:</p> <h2>How are major weather events connected to insurance costs?</h2> <p>As climate change fuels hotter, drier conditions that help increase the intensity and frequency of wildfires and storms, insurance companies have been exiting markets in high-risk areas, helping push up costs.</p> <p>"Consumers living in the top 20 percent of ZIP Codes with the highest expected annual losses to buildings from climate-related perils paid average inflation-adjusted premiums per policy of $2,321 between 2018 and 2022 — 82 percent more than the average for the bottom 20 percent of ZIP Codes," the Treasury report said.</p></div><div class="flourish-embed" data-src="visualisation/21472374?1482596" data-cy="flourish-component"></div><div class="ArticleText_text__9RYj1 "><p>In the wake of the wildfires in the Los Angeles area, State Farm officials requested an emergency <a href="https://newsroom.statefarm.com/download/90ab44d3-54d6-42b7-8d69-0d883fa5de78/february32025lettersenttocadepartmentofinsurance.pdf" target="_blank" rel="noopener">22% rate</a> hike for homeowners from May, saying the fires "will collectively be the costliest in the history of the company."</p> <h2>What about policies getting cancelled?</h2> <p>In addition to rising costs, there have been widespread reports of homeowners suddenly <a href="https://www.context.news/climate-risks/florida-homeowners-battle-for-insurance-after-ians-devastation" target="_blank" rel="noopener">getting dropped</a> from their insurance coverage in recent years, often with little notice or warning.</p> <p>That can force consumers into state-backed or state-supported insurers of last resort, which have taken on more policies in disaster-prone states in recent years.</p> <p>"Consumers in the highest risk ZIP codes faced higher policy nonrenewal rates, with an average for the five-year period of 1.61 percent, about 80 percent higher than the average in the lowest risk ZIP Codes," the report said.</p> <p>"Moreover, average nonrenewal rates increased by substantially more in the highest risk areas than in the lowest risk areas over this period, which indicates that consumers in these highest risk areas faced decreasing availability over the five-year period."</p> <p></p></div><div class="flourish-embed" data-src="visualisation/21510295?1482596" data-cy="flourish-component"></div><div class="ArticleText_text__9RYj1 "><h2>What limits are there to the data available on the topic?</h2> <p>The data set is admittedly incomplete, as a handful of states did not participate in a data call from NAIC that helped undergird the report. It also measured the markets from 2018-2022, so data for the past two years is not included.</p> <p>The report said the summary findings might not fully capture the "many dimensions" of cost and availability of homeowners insurance, noting that inflation and the rise in replacement and reconstruction costs were significant during the time period and homeowners might have found options in other markets.</p> <p>The report also said it includes the impact covered by standard homeowners insurance policies, which typically don't cover damages from flooding.</p> <p></p></div><div class="flourish-embed" data-src="visualisation/21471600?1482596" data-cy="flourish-component"></div><div class="ArticleText_text__9RYj1 "><p>American Property Casualty Insurance Association (APCIA) President and CEO David A. Sampson had said in response to the report that homeownership costs are on the rise primarily because of inflation and cautioned against drawing too many conclusions from the data.</p> <p>"Unfortunately, Treasury's release provides an incomplete explanation about the affordability and availability of insurance," Sampson said.</p> <p>"Insurance availability can be best improved by allowing competitive private markets to appropriately price risk according to expected costs, while reducing government rate suppression and policy from constraints."</p> <p>But U.S. Senator Sheldon Whitehouse, a Democrat from Rhode Island who held a series of hearings on climate risk when he chaired the budget committee, said "there should be no more doubt that climate change is one of the biggest financial risks to Americans today".</p> <p>"Climate change is not only making life's essentials more expensive, but also setting in motion a risk of cascading failures — from the insurance market to the mortgage market to a property values collapse — that ends in economy-wide catastrophe," Whitehouse had said in response to the Treasury report.</p> <p>(Reporting by Diana Baptista and David Sherfinski; Editing by Ana Nicolaci da Costa.)</p></div><hr class="Container_mainDivider__Y3X5_"/><section class="row"><div class="ArticleBodySignature_article__R6JeU"><div class="ArticleBodySignature_article__body__iMxON"><p>Context is powered by the Thomson Reuters Foundation Newsroom.</p><p>Our Standards: <a href="https://www.thomsonreuters.com/en/about-us/trust-principles.html" target="_blank" rel="noreferrer"><span class="ArticleBodySignature_link__EnOFh"><u>Thomson Reuters Trust Principles</u></span></a></p></div></div></section></div></div></section><section class=" Layout_mobilePadding__qQQZO"><hr class="Divider_divider___wHDg undefined "/><div class="row"><div class="col-24"><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">Tags</h2></div><ul class="Tags_wrapper__OoASR"><li class="Tags_item__TyHmp"><div class="Tags_btn__pDRJR ">Extreme weather</div></li><li class="Tags_item__TyHmp"><div class="Tags_btn__pDRJR ">Adaptation</div></li><li class="Tags_item__TyHmp"><div class="Tags_btn__pDRJR ">Loss and damage</div></li></ul></div></div></section><div class="d-none d-lg-block"><hr class="Divider_divider___wHDg undefined "/><section class="Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class=""><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">MORE ON Climate Risks</h2></div><div class="MoreOn_container__v1fSZ row "><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/how-can-the-world-use-less-plastic-and-reduce-pollution"><img alt="Climate activists march to demand stronger global commitments to fight plastic waste in Busan, South Korea, November 23, 2024. REUTERS/Minwoo Park" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/climate-risks/how-can-the-world-use-less-plastic-and-reduce-pollution">Plastic pollution is surging, so what are governments doing?</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/what-are-the-environmental-costs-of-ai"><img alt="An AI (Artificial Intelligence) sign is seen at the World Artificial Intelligence Conference (WAIC) in Shanghai, China July 6, 2023" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/climate-risks/what-are-the-environmental-costs-of-ai">What are the environmental costs of AI?</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/how-and-where-climate-change-will-upend-us-home-values"><img alt="A resident walks through floodwaters outside his home in Surfside Beach, Texas, U.S. June 20, 2024 . REUTERS/Evan Garcia" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/climate-risks/how-and-where-climate-change-will-upend-us-home-values">How, and where climate change will lower U.S. home values</a></span></div></div></div></article></div></div></div></div></div></section><hr class="Divider_divider___wHDg undefined "/><section class="Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class=""><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">MORE ON Climate</h2></div><div class="MoreOn_container__v1fSZ row "><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/nature/opinion/want-sustainable-food-listen-to-indigenous-farmers"><img alt="Indigenous Macuxi people work in a manioc plantation at the community of Uailan on the Raposa Serra do Sol reservation, Roraima state, Brazil February 10, 2019. REUTERS/Bruno Kelly" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2400w/80q"/><div class="ImageFlags_flagOpinion__rJtr_ " role="presentation"><span>Opinion</span></div></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Nature" href="/nature"><span>Nature</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false ArticleThumb_articleQuoteFlag__86TBS false false" aria-label="opinion"><span class=""><a href="/nature/opinion/want-sustainable-food-listen-to-indigenous-farmers">Want sustainable food? Listen to Indigenous farmers</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/just-transition/bangladesh-shipyards-brace-for-recycling-boom"><img alt="Workers weld a wrecked part of a ship at a ship-breaking yard in Chittagong August 19, 2009. REUTERS/Andrew Biraj" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Just Transition" href="/just-transition"><span>Just Transition</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/just-transition/bangladesh-shipyards-brace-for-recycling-boom">Bangladesh shipyards brace for recycling boom</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/just-transition/what-happens-to-ships-when-they-die"><img alt="Labourers climb up an iron chain and ladder to break down a ship for scrap metal at the Gaddani ship breaking yard from Karachi November 24, 2011. REUTERS/Akhtar Soomro" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Just Transition" href="/just-transition"><span>Just Transition</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/just-transition/what-happens-to-ships-when-they-die">What happens to ships when they die?</a></span></div></div></div></article></div></div></div></div></div></section></div><hr class="d-lg-none Container_mainDivider__Y3X5_"/></div><div class="primaryTopic_sidebar__lhLW6 col-sm-24 col-lg-7"><section class="Layout_mobilePadding__qQQZO" id="go-deeper-article-sidebar" aria-label="Go Deeper Articles Links" role="group"><div class="undefined row" aria-label="Go Deeper Article Links"><div><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">Go Deeper</h2></div></div><div class="GoDeeper_GoDeeper3__XixQz"><article class="GoDeeper_article__R0peW col-sm-12 col-lg-24"><div class="GoDeeper_article__mainImg__O15vV"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/climate-change-driven-insurance-crisis-threatens-new-us-states"><img alt="A man looks at a neighbor's damaged belongings after numerous rain storms flooded a residential area, in Pajaro, California, U.S., March 29, 2023. REUTERS/Carlos Barria" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 60vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2400w/80q"/></a></div></div><div class="GoDeeper_article__content__jQVtq"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><span class=""><a href="/climate-risks/climate-change-driven-insurance-crisis-threatens-new-us-states">Climate change-driven insurance crisis threatens new US states</a></span></div></div></article><article class="GoDeeper_article__R0peW col-sm-12 col-lg-24"><div class="GoDeeper_article__mainImg__O15vV"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/as-climate-disasters-rise-new-york-tests-fast-insurance-payouts"><img alt="Houses in Queens in an area prone to flooding are reflected in a puddle during a Nor'easter in New York, U.S., October 26, 2021" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 60vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2400w/80q"/></a></div></div><div class="GoDeeper_article__content__jQVtq"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><span class=""><a href="/climate-risks/as-climate-disasters-rise-new-york-tests-fast-insurance-payouts">As climate disasters rise, New York tests fast insurance payouts</a></span></div></div></article><article class="GoDeeper_article__R0peW col-sm-12 col-lg-24"><div class="GoDeeper_article__mainImg__O15vV"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/how-much-will-flood-insurance-cost-me-from-alaska-to-hawaii"><img alt="Kids look at their home-damaged belongings after numerous rain storms known as 'atmospheric river' flooded a residential area, in Pajaro, California, U.S., March 29, 2023. REUTERS/Carlos Barria" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 60vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2400w/80q"/></a></div></div><div class="GoDeeper_article__content__jQVtq"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><span class=""><a href="/climate-risks/how-much-will-flood-insurance-cost-me-from-alaska-to-hawaii">How much will flood insurance cost me - from Alaska to Hawaii?</a></span></div></div></article></div><section class=""><div class="BlueCarousel_newsletter__Ob6Bs row"><div class="col col-24"><div><div class="BlueCarousel_newsletter__main___tdPg"><div class="row"><div class="slick-slider CarouselHWGH_carouselMain__XqP4k carouselMain } slick-initialized"><div class="slick-list"><div class="slick-track" style="width:100%;left:0%"><div data-index="0" class="slick-slide slick-active slick-current" tabindex="-1" aria-hidden="false" style="outline:none;width:33.333333333333336%"><div><article class="GoDeeper_article__R0peW col-sm-12 col-lg-24" tabindex="-1" style="width:100%;display:inline-block"><div class="GoDeeper_article__mainImg__O15vV"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/climate-change-driven-insurance-crisis-threatens-new-us-states"><img alt="A man looks at a neighbor's damaged belongings after numerous rain storms flooded a residential area, in Pajaro, California, U.S., March 29, 2023. REUTERS/Carlos Barria" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 60vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/00c78103be00f215bdd855110dbd8db4/2400w/80q"/></a></div></div><div class="GoDeeper_article__content__jQVtq"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><span class=""><a href="/climate-risks/climate-change-driven-insurance-crisis-threatens-new-us-states">Climate change-driven insurance crisis threatens new US states</a></span></div></div></article></div></div><div data-index="1" class="slick-slide slick-active" tabindex="-1" aria-hidden="false" style="outline:none;width:33.333333333333336%"><div><article class="GoDeeper_article__R0peW col-sm-12 col-lg-24" tabindex="-1" style="width:100%;display:inline-block"><div class="GoDeeper_article__mainImg__O15vV"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/as-climate-disasters-rise-new-york-tests-fast-insurance-payouts"><img alt="Houses in Queens in an area prone to flooding are reflected in a puddle during a Nor'easter in New York, U.S., October 26, 2021" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 60vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/68b80eaebdaa4b252cf4c844105ecd73/2400w/80q"/></a></div></div><div class="GoDeeper_article__content__jQVtq"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><span class=""><a href="/climate-risks/as-climate-disasters-rise-new-york-tests-fast-insurance-payouts">As climate disasters rise, New York tests fast insurance payouts</a></span></div></div></article></div></div><div data-index="2" class="slick-slide slick-active" tabindex="-1" aria-hidden="false" style="outline:none;width:33.333333333333336%"><div><article class="GoDeeper_article__R0peW col-sm-12 col-lg-24" tabindex="-1" style="width:100%;display:inline-block"><div class="GoDeeper_article__mainImg__O15vV"><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/how-much-will-flood-insurance-cost-me-from-alaska-to-hawaii"><img alt="Kids look at their home-damaged belongings after numerous rain storms known as 'atmospheric river' flooded a residential area, in Pajaro, California, U.S., March 29, 2023. REUTERS/Carlos Barria" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 60vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/77f1acdc0d82ea48776661ce0abf08f2/2400w/80q"/></a></div></div><div class="GoDeeper_article__content__jQVtq"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><span class=""><a href="/climate-risks/how-much-will-flood-insurance-cost-me-from-alaska-to-hawaii">How much will flood insurance cost me - from Alaska to Hawaii?</a></span></div></div></article></div></div></div></div></div></div></div></div></div></div></section></div><hr class="Container_dividerGold__9S2AP GoDeeper_bottomDivider__r8sF9"/></section><section class="Layout_mobilePadding__qQQZO" id="the-backstory-container"><div class="row"><div class="col-24"><div class="undefined"><div class="TheBackstory_title__yTuBw"><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq SectionTitle_goldTitle__T1MPm ">The Backstory</h2></div></div><div id="articlesDiv" class="TheBackstory_widgetWrapper__uhxF3 row"><ul class="TheBackstory_contentWrapper__FUTAM col-24 col-sm-12 col-lg-24"><li class="TheBackstory_content__OqyTj"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a href="https://www.reuters.com/sustainability/how-insurance-innovation-could-unlock-billions-nature-based-climate-solutions-2025-01-13/" class="ReutersLabel_labelTextGold__0aeHG" target="_blank" rel="noreferrer noopener" aria-label="Reuters link, opens in new tab" tabindex="-1"><img alt="Thomson Reuters Logo" draggable="false" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/icons/reuters-tab.svg"/></a><span class=""><a href="https://www.reuters.com/sustainability/how-insurance-innovation-could-unlock-billions-nature-based-climate-solutions-2025-01-13/" target="_blank" rel="noreferrer noopener"><div class="ArticleThumb_newTabIconContainer__cTD3A"><img alt="New Tab Icon" loading="lazy" width="19" height="19" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" srcSet="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=32&q=75 1x, /_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75 2x" src="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75"/></div>How insurance innovation could unlock billions for nature-based climate solutions</a></span></div></li></ul><ul class="TheBackstory_contentWrapper__FUTAM col-24 col-sm-12 col-lg-24"><li class="TheBackstory_content__OqyTj"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a href="https://www.reuters.com/sustainability/sustainable-finance-reporting/multiple-climate-disasters-trigger-first-ever-red-cross-disaster-insurance-pay-2024-11-08/" class="ReutersLabel_labelTextGold__0aeHG" target="_blank" rel="noreferrer noopener" aria-label="Reuters link, opens in new tab" tabindex="-1"><img alt="Thomson Reuters Logo" draggable="false" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/icons/reuters-tab.svg"/></a><span class=""><a href="https://www.reuters.com/sustainability/sustainable-finance-reporting/multiple-climate-disasters-trigger-first-ever-red-cross-disaster-insurance-pay-2024-11-08/" target="_blank" rel="noreferrer noopener"><div class="ArticleThumb_newTabIconContainer__cTD3A"><img alt="New Tab Icon" loading="lazy" width="19" height="19" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" srcSet="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=32&q=75 1x, /_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75 2x" src="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75"/></div>Multiple climate disasters trigger first ever Red Cross disaster insurance pay-out</a></span></div></li></ul><ul class="TheBackstory_contentWrapper__FUTAM col-24 col-sm-12 col-lg-24"><li class="TheBackstory_content__OqyTj"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a href="https://www.reuters.com/business/finance/insurers-heavily-exposed-climate-change-global-watchdog-says-2023-12-06/" class="ReutersLabel_labelTextGold__0aeHG" target="_blank" rel="noreferrer noopener" aria-label="Reuters link, opens in new tab" tabindex="-1"><img alt="Thomson Reuters Logo" draggable="false" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/icons/reuters-tab.svg"/></a><span class=""><a href="https://www.reuters.com/business/finance/insurers-heavily-exposed-climate-change-global-watchdog-says-2023-12-06/" target="_blank" rel="noreferrer noopener"><div class="ArticleThumb_newTabIconContainer__cTD3A"><img alt="New Tab Icon" loading="lazy" width="19" height="19" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" srcSet="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=32&q=75 1x, /_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75 2x" src="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75"/></div>Insurers heavily exposed to climate change, global watchdog says</a></span></div></li></ul></div><div class="TheBackstory_carousel__FAWOv"><section class=""><div class="BlueCarousel_newsletter__Ob6Bs row"><div class="col col-24"><div><div class="BlueCarousel_newsletter__main___tdPg"><div class="row"><div class="slick-slider CarouselHWGH_carouselMain__XqP4k carouselMain } slick-initialized"><div class="slick-list"><div class="slick-track" style="width:100%;left:0%"><div data-index="0" class="slick-slide slick-active slick-current" tabindex="-1" aria-hidden="false" style="outline:none;width:33.333333333333336%"><div><ul class="TheBackstory_contentWrapper__FUTAM col-24 col-sm-12 col-lg-24" tabindex="-1" style="width:100%;display:inline-block"><li class="TheBackstory_content__OqyTj"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a href="https://www.reuters.com/sustainability/how-insurance-innovation-could-unlock-billions-nature-based-climate-solutions-2025-01-13/" class="ReutersLabel_labelTextGold__0aeHG" target="_blank" rel="noreferrer noopener" aria-label="Reuters link, opens in new tab" tabindex="-1"><img alt="Thomson Reuters Logo" draggable="false" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/icons/reuters-tab.svg"/></a><span class=""><a href="https://www.reuters.com/sustainability/how-insurance-innovation-could-unlock-billions-nature-based-climate-solutions-2025-01-13/" target="_blank" rel="noreferrer noopener"><div class="ArticleThumb_newTabIconContainer__cTD3A"><img alt="New Tab Icon" loading="lazy" width="19" height="19" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" srcSet="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=32&q=75 1x, /_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75 2x" src="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75"/></div>How insurance innovation could unlock billions for nature-based climate solutions</a></span></div></li></ul></div></div><div data-index="1" class="slick-slide slick-active" tabindex="-1" aria-hidden="false" style="outline:none;width:33.333333333333336%"><div><ul class="TheBackstory_contentWrapper__FUTAM col-24 col-sm-12 col-lg-24" tabindex="-1" style="width:100%;display:inline-block"><li class="TheBackstory_content__OqyTj"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a href="https://www.reuters.com/sustainability/sustainable-finance-reporting/multiple-climate-disasters-trigger-first-ever-red-cross-disaster-insurance-pay-2024-11-08/" class="ReutersLabel_labelTextGold__0aeHG" target="_blank" rel="noreferrer noopener" aria-label="Reuters link, opens in new tab" tabindex="-1"><img alt="Thomson Reuters Logo" draggable="false" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/icons/reuters-tab.svg"/></a><span class=""><a href="https://www.reuters.com/sustainability/sustainable-finance-reporting/multiple-climate-disasters-trigger-first-ever-red-cross-disaster-insurance-pay-2024-11-08/" target="_blank" rel="noreferrer noopener"><div class="ArticleThumb_newTabIconContainer__cTD3A"><img alt="New Tab Icon" loading="lazy" width="19" height="19" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" srcSet="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=32&q=75 1x, /_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75 2x" src="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75"/></div>Multiple climate disasters trigger first ever Red Cross disaster insurance pay-out</a></span></div></li></ul></div></div><div data-index="2" class="slick-slide slick-active" tabindex="-1" aria-hidden="false" style="outline:none;width:33.333333333333336%"><div><ul class="TheBackstory_contentWrapper__FUTAM col-24 col-sm-12 col-lg-24" tabindex="-1" style="width:100%;display:inline-block"><li class="TheBackstory_content__OqyTj"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a href="https://www.reuters.com/business/finance/insurers-heavily-exposed-climate-change-global-watchdog-says-2023-12-06/" class="ReutersLabel_labelTextGold__0aeHG" target="_blank" rel="noreferrer noopener" aria-label="Reuters link, opens in new tab" tabindex="-1"><img alt="Thomson Reuters Logo" draggable="false" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/icons/reuters-tab.svg"/></a><span class=""><a href="https://www.reuters.com/business/finance/insurers-heavily-exposed-climate-change-global-watchdog-says-2023-12-06/" target="_blank" rel="noreferrer noopener"><div class="ArticleThumb_newTabIconContainer__cTD3A"><img alt="New Tab Icon" loading="lazy" width="19" height="19" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" srcSet="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=32&q=75 1x, /_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75 2x" src="/_next/image?url=%2Ficons%2FnewTabIcon.png&w=48&q=75"/></div>Insurers heavily exposed to climate change, global watchdog says</a></span></div></li></ul></div></div></div></div></div></div></div></div></div></div></section></div><p class="TheBackstory_tagline__h75x0"><img alt="New Tab Icon" loading="lazy" width="13" height="13" decoding="async" data-nimg="1" style="color:transparent;max-width:100%;height:auto" src="/openShare.svg"/><span>These links open on <a href="https://www.reuters.com/">reuters.com</a></span></p></div></div></div><hr class="Container_dividerGold__9S2AP"/></section><section class="NewsletterSignUp_newsletterSignUp__CB8qq Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class="NewsletterSignUp_newsletterSignUp__wrap__Bl6ZK"><h2>Get our climate newsletter. Free. Every week.</h2><form action="#"><div class="NewsletterSignUp_newsletterSignUp__errorItem__sOUV5"></div><label class="NewsletterSignUp_label__7XXCl" for="email">Email address:</label><input name="message" id="message" type="email" tabindex="-1" aria-hidden="true" autoComplete="off" class="newsletterFieldHP" value=""/><input name="email" id="email" type="email" class="input-email " value=""/><button id="" class="clickableUnderLine altchaAnchor" type="submit" role="button" tabindex="0" aria-label="Subscribe Button">Subscribe</button><div class="position-set"></div></form><p>By providing your email, you agree to our <a href="/privacy-policy">Privacy Policy</a>.</p></div></div></div></section><div class="d-lg-none"><hr class="Divider_divider___wHDg undefined "/><section class="Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class=""><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">MORE ON Climate Risks</h2></div><div class="MoreOn_container__v1fSZ row "><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/how-can-the-world-use-less-plastic-and-reduce-pollution"><img alt="Climate activists march to demand stronger global commitments to fight plastic waste in Busan, South Korea, November 23, 2024. REUTERS/Minwoo Park" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/03137d260921177d5a0440ce97f95653/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/climate-risks/how-can-the-world-use-less-plastic-and-reduce-pollution">Plastic pollution is surging, so what are governments doing?</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/what-are-the-environmental-costs-of-ai"><img alt="An AI (Artificial Intelligence) sign is seen at the World Artificial Intelligence Conference (WAIC) in Shanghai, China July 6, 2023" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/c24af57cd64d6904461a38130e2c805c/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/climate-risks/what-are-the-environmental-costs-of-ai">What are the environmental costs of AI?</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/climate-risks/how-and-where-climate-change-will-upend-us-home-values"><img alt="A resident walks through floodwaters outside his home in Surfside Beach, Texas, U.S. June 20, 2024 . REUTERS/Evan Garcia" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/bbde6ac4a87d02db5bf65377a4a45293/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Climate Risks" href="/climate-risks"><span>Climate Risks</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/climate-risks/how-and-where-climate-change-will-upend-us-home-values">How, and where climate change will lower U.S. home values</a></span></div></div></div></article></div></div></div></div></div></section><hr class="Divider_divider___wHDg undefined "/><section class="Layout_mobilePadding__qQQZO"><div class="row"><div class="col-24"><div class=""><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">MORE ON Climate</h2></div><div class="MoreOn_container__v1fSZ row "><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/nature/opinion/want-sustainable-food-listen-to-indigenous-farmers"><img alt="Indigenous Macuxi people work in a manioc plantation at the community of Uailan on the Raposa Serra do Sol reservation, Roraima state, Brazil February 10, 2019. REUTERS/Bruno Kelly" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/889a71e95245a06f35998b9e9c9de2c4/2400w/80q"/><div class="ImageFlags_flagOpinion__rJtr_ " role="presentation"><span>Opinion</span></div></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Nature" href="/nature"><span>Nature</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false ArticleThumb_articleQuoteFlag__86TBS false false" aria-label="opinion"><span class=""><a href="/nature/opinion/want-sustainable-food-listen-to-indigenous-farmers">Want sustainable food? Listen to Indigenous farmers</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/just-transition/bangladesh-shipyards-brace-for-recycling-boom"><img alt="Workers weld a wrecked part of a ship at a ship-breaking yard in Chittagong August 19, 2009. REUTERS/Andrew Biraj" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/b7ad8b0d7a06f40722654faeed6d5cf8/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Just Transition" href="/just-transition"><span>Just Transition</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/just-transition/bangladesh-shipyards-brace-for-recycling-boom">Bangladesh shipyards brace for recycling boom</a></span></div></div></div></article></div><div class="undefined col-xs-12 col-sm-8"><article class="MoreOn_article__oQxYe"><div class="imageContainer ImageContainer_imageContainer__MSr4b MoreOn_imageContainer__BbV6S" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/just-transition/what-happens-to-ships-when-they-die"><img alt="Labourers climb up an iron chain and ladder to break down a ship for scrap metal at the Gaddani ship breaking yard from Karachi November 24, 2011. REUTERS/Akhtar Soomro" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 25vw, (max-width: 1200px) 33vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/c9c492b5cb5876bf3519e3319b6228fa/2400w/80q"/></a></div><div class="MoreOn_article__content__Mn59d"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Just Transition" href="/just-transition"><span>Just Transition</span></a><div class="MoreOn_article__content__title__w62AF "><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><span class=""><a href="/just-transition/what-happens-to-ships-when-they-die">What happens to ships when they die?</a></span></div></div></div></article></div></div></div></div></div></section></div><hr class="Divider_divider___wHDg undefined "/><section class="Layout_mobilePadding__qQQZO" id="latest-on-context-container"><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">Latest on Context</h2></div><div class="LatestOnContext_wrapper__znlQq"><div class="LatestOnContextItem_item__vvTmI "><div class="imageContainer ImageContainer_imageContainer__MSr4b " style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/socioeconomic-inclusion/why-is-sex-ed-in-philippines-schools-under-debate"><img alt="Students receive free condoms at an event organised by the United Nations Population Fund (UNFPA) on World Population Day, at a mall in Mandaluyong, Metro Manila, July 11, 2014. REUTERS/Erik De Castro" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 50vw, (max-width: 1200px) 50vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/2c91607c41d74423e7ceaa1950d806bc/2400w/80q"/></a></div><div class="LatestOnContextItem_info__sGSCh"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Socioeconomic Inclusion" href="/socioeconomic-inclusion"><span>Socioeconomic Inclusion</span></a><span class=""><a href="/socioeconomic-inclusion/why-is-sex-ed-in-philippines-schools-under-debate">Why is sex ed in Philippines schools under debate?</a></span></div></div></div><div class="LatestOnContextItem_item__vvTmI LatestOnContextItem_mobileSmall__PodaO"><div class="imageContainer ImageContainer_imageContainer__MSr4b LatestOnContextItem_imageSmall__n1Qy4" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/nature/usaid-cuts-threaten-amazon-forest-and-fuel-drug-trade-concerns"><img alt="Workers plant seedlings for reforestation at Huayquecha Biological Station near Paucartambo, Cusco December 5, 2014. REUTERS/Enrique Castro-Mendivil" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 50vw, (max-width: 1200px) 50vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/d6aa88a952c4b32800d9074639cab438/2400w/80q"/></a></div><div class="LatestOnContextItem_info__sGSCh"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Nature" href="/nature"><span>Nature</span></a><span class=""><a href="/nature/usaid-cuts-threaten-amazon-forest-and-fuel-drug-trade-concerns">USAID cuts threaten Amazon forest and fuel drug trade concerns</a></span></div></div></div><div class="LatestOnContextItem_item__vvTmI LatestOnContextItem_mobileSmall__PodaO"><div class="imageContainer ImageContainer_imageContainer__MSr4b LatestOnContextItem_imageSmall__n1Qy4" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/ai/chatbots-pose-challenge-to-guarding-child-mental-health"><img alt="A user interacts with a smartphone app to customize an avatar for a personal artificial intelligence chatbot, known as a Replika, in San Francisco, California, U.S. Luka, Inc./Handout via REUTERS" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 50vw, (max-width: 1200px) 50vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/2ff45132f3d456aabc68da75d2c38edf/2400w/80q"/></a></div><div class="LatestOnContextItem_info__sGSCh"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="AI" href="/ai"><span>AI</span></a><span class=""><a href="/ai/chatbots-pose-challenge-to-guarding-child-mental-health">Chatbots pose challenge to guarding child mental health</a></span></div></div></div><div class="LatestOnContextItem_item__vvTmI LatestOnContextItem_mobileSmall__PodaO"><div class="imageContainer ImageContainer_imageContainer__MSr4b LatestOnContextItem_imageSmall__n1Qy4" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="-1" href="/money-power-people/in-data-why-is-asia-pacific-a-hot-spot-for-migrant-worker-abuses"><img alt="Migrant people gather at the Sadarghat Ferry Port to go home to celebrate Eid al-Adha in Dhaka, Bangladesh, July 30, 2020. REUTERS/Mohammad Ponir Hossain" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 25vw, (max-width: 900px) 50vw, (max-width: 1200px) 50vw, 25vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/128w/80q 128w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/256w/80q 256w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/384w/80q 384w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/c07420c6684154476c107a85ba4e9ddc/2400w/80q"/></a></div><div class="LatestOnContextItem_info__sGSCh"><div class="ArticleThumb_article__rFgRx false false false false" aria-label="article"><a tabindex="0" class="LabelText_labelText__z7Rjj clickableUnderLine" aria-label="Money, Power & People" href="/money-power-people"><span>Money, Power & People</span></a><span class=""><a href="/money-power-people/in-data-why-is-asia-pacific-a-hot-spot-for-migrant-worker-abuses">In Data: Why is Asia-Pacific a hot spot for migrant worker abuses?</a></span></div></div></div></div></section><section class="Layout_mobilePadding__qQQZO" id="news-item-most-read-items"><div class="row"><div class="MostRead_mostRead__tabs__h5nva col col-24"><div class="MostRead_mostRead__tabs__divider__Shbby"><button class="Tab_tab__XNwOP Tab_tab_active__eTPTU null" style="background-color:#003E68" tabindex="-1" aria-label="Most Read, selected">Most Read</button></div></div><div class="MostRead_mostRead__data__ss9X_ col col-24"><div class="MostRead_mostRead__data__image__Kw1Hu"><div class="imageContainer ImageContainer_imageContainer__MSr4b MostRead_mostRead__data__image__content__wfsJq" style="aspect-ratio:100 / 58"><a class="LinkWrapper_linkWrapper__DpMdK undefined" tabindex="0" href="/money-power-people/the-south-african-land-law-that-has-enraged-trump"><img alt="Workers drive cattle past a 'private property' sign, at a farm in Eikenhof, near Johannesburg, South Africa June 15, 2022. REUTERS/Siphiwe Sibeko" loading="lazy" decoding="async" data-nimg="fill" class="nextImage ImageContainer_nextImage__4SuKE" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes=" (max-width: 640px) 100vw, (max-width: 900px) 100vw, (max-width: 1200px) 100vw, 100vw " srcSet="https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/400w/80q 400w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/500w/80q 500w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/600w/80q 600w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/700w/80q 700w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/800w/80q 800w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/900w/80q 900w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/1000w/80q 1000w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/1200w/80q 1200w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/1400w/80q 1400w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/1600w/80q 1600w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/1800w/80q 1800w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/2000w/80q 2000w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/2200w/80q 2200w, https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/2400w/80q 2400w" src="https://ddc514qh7t05d.cloudfront.net/dA/74f6bd005ae0a0f10c85bd543727f139/2400w/80q"/></a></div></div><ol class="MostRead_mostRead__data__list__lPbuA"><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">1</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 1: The South African land law that has enraged Trump" href="/money-power-people/the-south-african-land-law-that-has-enraged-trump">The South African land law that has enraged Trump</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">2</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 2: Is the world ready for another pandemic?" href="/money-power-people/is-the-world-ready-for-another-pandemic">Is the world ready for another pandemic?</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">3</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 3: Q&A: Amazon union leader sounds alarm on Trump, AI" href="/big-tech/q-and-a-amazon-union-leader-sounds-alarm-on-trump-ai">Q&A: Amazon union leader sounds alarm on Trump, AI</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">4</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 4: Britain's foreign aid: Where does the money go?" href="/socioeconomic-inclusion/britains-foreign-aid-where-does-the-money-go">Britain's foreign aid: Where does the money go?</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">5</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 5: What does a Donald Trump presidency mean for LGBTQ+ rights?" href="/socioeconomic-inclusion/what-does-a-donald-trump-presidency-mean-for-lgbtq-rights">What does a Donald Trump presidency mean for LGBTQ+ rights?</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">6</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 6: LGBTQ+ Germans fear Elon Musk-backed AfD could reverse rights" href="/socioeconomic-inclusion/lgbtq-germans-fear-elon-musk-backed-afd-could-reverse-rights">LGBTQ+ Germans fear Elon Musk-backed AfD could reverse rights</a></p></div></li></ol></div></div><div class="MostRead_desktop__QHNO3"><div class="SectionTitle_wrapper__r9etq"><h2 class=" SectionTitle_title__UxTuq ">Most Read</h2></div><ol><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">1</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 1: The South African land law that has enraged Trump" href="/money-power-people/the-south-african-land-law-that-has-enraged-trump">The South African land law that has enraged Trump</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">2</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 2: Is the world ready for another pandemic?" href="/money-power-people/is-the-world-ready-for-another-pandemic">Is the world ready for another pandemic?</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">3</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 3: Q&A: Amazon union leader sounds alarm on Trump, AI" href="/big-tech/q-and-a-amazon-union-leader-sounds-alarm-on-trump-ai">Q&A: Amazon union leader sounds alarm on Trump, AI</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">4</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 4: Britain's foreign aid: Where does the money go?" href="/socioeconomic-inclusion/britains-foreign-aid-where-does-the-money-go">Britain's foreign aid: Where does the money go?</a></p></div></li><li class="MostReadItem_dataMostRead__lpBSH"><div class="MostReadItem_dataMostRead__badge__jkygK">5</div><div class="MostReadItem_dataMostRead__content__of7td"><p><a aria-label="most read item 5: What does a Donald Trump presidency mean for LGBTQ+ rights?" href="/socioeconomic-inclusion/what-does-a-donald-trump-presidency-mean-for-lgbtq-rights">What does a Donald Trump presidency mean for LGBTQ+ rights?</a></p></div></li></ol></div></section></div></section></main></div><footer class="Footer_footer__L2Zk0 Common_footerSupportivePadding___zMDO"><div class="Container_containerInner__JGB7J"><div class="row"><div class="col-24 col-sm-14 col-md-13"><a href="/"><img alt="Footer, Thomson Reuters Foundation Logo" title="Thomson Reuters Foundation logo" loading="lazy" width="176" height="49" decoding="async" data-nimg="1" style="color:transparent;width:100%;height:auto" src="/_next/static/media/context-registered.5101cebd.svg"/></a><p>Context is a media platform created by the Thomson Reuters Foundation. We provide news and analysis that contextualises how critical issues and events affect ordinary people, society and the environment.聽<a aria-label="About Us Page" href="/about-us">Find out more.</a></p></div><div class="col-24 col-sm-10 col-md-8 offset-md-3"><ul class="SocialLinks_socialLinks__sOPTC undefined" aria-label="Social Media Links"><li><a target="_blank" class="SocialLinks_link__vTzsI SocialLinks_facebook__Umiei" rel="noreferrer noopener" aria-label="Context Newsroom Facebook Page" href="https://www.facebook.com/contextnewsroom"></a></li><li><a target="_blank" class="SocialLinks_link__vTzsI SocialLinks_twitter__hB3JW" rel="noreferrer noopener" aria-label="Context Newsroom X (formally Twitter) Account" href="https://twitter.com/contextnewsroom"></a></li><li><a target="_blank" class="SocialLinks_link__vTzsI SocialLinks_linkedIn__aOjad" rel="noreferrer noopener" aria-label="Context Newsroom LinkedIn Page" href="https://www.linkedin.com/showcase/context-newsroom/"></a></li><li><a target="_blank" class="SocialLinks_link__vTzsI SocialLinks_youtube__dnTyR" rel="noreferrer noopener" aria-label="Context Newsroom YouTube Channel" href="https://www.youtube.com/channel/UCcUmt6A2QhQ7JTyqhjNQ67A"></a></li><li><a target="_blank" class="SocialLinks_link__vTzsI SocialLinks_instagram__64HSP" rel="noreferrer noopener" aria-label="Context Newsroom Instagram Page" href="https://www.instagram.com/contextnewsroom/"></a></li></ul></div></div><div class="row"><div class="col-md-5"><ul role="list" aria-label="Footer Main Sections"><li><span>Sections</span></li><li><a href="/climate">Climate</a></li><li><a href="/inclusive-economies">Inclusive Economies</a></li><li><a href="/tech-society">Tech & Society</a></li></ul></div><div class="col-md-5 "><ul role="list" aria-label="Footer Content Types"><li><span>Explore</span></li><li><a href="/opinion">Opinion</a></li><li><a href="/videos">Videos</a></li><li><a href="/in-focus">In Focus</a></li><li><a href="/long-reads">Long Reads</a></li></ul></div><div class="col-md-5"></div><div class="col-md-6 offset-md-1"><ul role="list" aria-label="Footer About"><li><span>About Us</span></li><li><a href="/about-us">About Context</a></li><li><a href="https://www.trust.org/about-us/#who-we-are" target="_blank" rel="noreferrer">About Thomson Reuters Foundation</a></li><li class="d-none"><a href="/">Come Work For Us</a></li><li class="d-none"><a href="/">Sponsors</a></li><li class="d-none"><a href="/">Donations</a></li><li><a href="/newsletters">Newsletters</a></li></ul></div></div><div class="row"><div class="col-24"><span>Our Products</span><ul role="list" aria-label="Our Products"><li><div><span>Workforce Disclosure Initiative</span><p>The Workforce Disclosure Initiative is an investor-backed project to improve the quantity & quality of corporate workforce data, via an annual survey & engagement process.</p><a href="https://wdi.trust.org/" target="_blank" class="" rel="noreferrer" aria-label="Workforce Disclosure Initiative">Find out more.</a></div></li><li><div><span>Trust Conference</span><p>Trust Conference is the Thomson Reuters Foundation鈥檚 flagship annual event, taking place in the heart of London each year.</p><a href="http://www.trustconference.com/" target="_blank" class="" rel="noreferrer" aria-label="Trust Conference">Find out more.</a></div></li><li><div><span>TrustLaw</span><p>TrustLaw is the Thomson Reuters Foundation鈥檚 global pro bono service, facilitating free legal assistance to NGOs and social enterprises around the world.</p><a href="https://www.trust.org/trustlaw/" target="_blank" class="" rel="noreferrer" aria-label="TrustLaw">Find out more.</a></div></li></ul></div></div><div id="footer_last" class="row"><div class="col-24 col-sm-12 col-md-11"><a title="Thomson Reuters Foundation Website Link" href="https://www.trust.org/" target="_blank" rel="noreferrer"></a></div><div class="col-24 col-sm-12 col-md-13"><ul role="list" aria-label="Footer Links"><li><a href="/terms-and-conditions">Terms & Conditions</a></li><li><a href="/privacy-policy">Privacy Policy</a></li><li><a href="https://www.thomsonreuters.com/en/about-us/trust-principles.html" target="_blank" rel="noreferrer">Thomson Reuters Trust Principles</a></li></ul><span>漏 2025 Thomson Reuters Foundation</span></div></div></div></footer><aside class="MarketingBannerInfo_section__H_7u1"><div class="Container_containerInner__JGB7J"><div class="col col-24"><div class="MarketingBannerInfo_section__container__OsqqX"><div class="MarketingBannerInfo_section__container__content__left__04tAo">Exclusive commentary & unique insights. Always free. Directly to your inbox.</div><div class="MarketingBannerInfo_section__container__content__verticalLine__DuY_o"></div><div class="MarketingBannerInfo_section__container__content__right__E_B2r"><a href="/newsletters">Subscribe Now</a></div><div class="MarketingBannerInfo_section__container__closeBtnContainer__ZxeLs"><div class="CloseIcon_closeIcon__3VXUq"><svg width="15" height="15" viewBox="0 0 15 15" fill="none" xmlns="http://www.w3.org/2000/svg"><line x1="0.353553" y1="0.646447" x2="14.3536" y2="14.6464" stroke="#fff"></line></svg><svg class="CloseIcon_secondChild__utMFw" width="15" height="15" viewBox="0 0 15 15" fill="none" xmlns="http://www.w3.org/2000/svg"><line x1="0.646447" y1="14.6464" x2="14.6464" y2="0.646447" stroke="#fff"></line></svg></div></div></div></div></div></aside></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"data":{"identifier":"8b5e9530fce0c55472732fca65685896","headline":"In Data: How much is climate change affecting your home insurance?","title":"In Data: How much is climate change affecting your home insurance?","homepageHeadline":"In Data: How much is climate change affecting your home insurance?","homepageTeaser":"\u003cp\u003eClimate change is fast \u003ca href=\"https://www.context.news/in-focus/end-of-insurance\" target=\"_blank\" rel=\"noopener\"\u003eupending home insurance\u003c/a\u003e rates in the United States \u0026ndash; almost regardless of where one lives.\u003c/p\u003e\n\u003cp\u003eIn the aftermath of the Los Angeles area wildfires, California's largest private insurer requested significantly higher rates for homeowners from May as it dealt with costly claims, while there were widespread reports that insurers were dropping customers before the disaster first struck in early January.\u003c/p\u003e","teaser":"Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January","seoHeadline":"In Data: How much is climate change affecting your home insurance?","whatSTheContext":"Biden administration released a first-of-its-kind look at climate-related risks in homeowners insurance in January.","primarySection":"climate","primaryTopic":"climateRisks","topics":["climate","climateRisks","socioeconomicInclusion"],"updatedDate":"Thu, 13 Feb 2025 12:00:00 GMT","updatedDateIso":"2025-02-13T12:00:00.000Z","publishedDate":"Thu Feb 13 12:00:00 UTC 2025","publishedDateIso":"2025-02-13T12:00:00.000Z","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/in-data-how-much-is-climate-change-affecting-your-home-insurance","image":"0a94e2cb990185eee3c62a251e8f3a4a","altText":"Two firefighters stand near a burning home during the Eaton Fire in Pasadena, California, U.S., January 7, 2025. REUTERS/Mario Anzuoni","leadMediaAsset":[{"altText":"Two firefighters stand near a burning home during the Eaton Fire in Pasadena, California, U.S., January 7, 2025. REUTERS/Mario Anzuoni","caption":"Two firefighters stand near a burning home during the Eaton Fire in Pasadena, California, U.S., January 7, 2025. REUTERS/Mario Anzuoni","identifier":"0a94e2cb990185eee3c62a251e8f3a4a","image":"0a94e2cb990185eee3c62a251e8f3a4a"}],"thumbnail":[],"multimediaSource":"Youtube","leadMediaType":"Photo","contentType":"ContextArticle","contentSubtype":"none","articleTags":[{"Extremeweather":"Extreme weather"},{"Adaptation":"Adaptation"},{"Lossanddamage":"Loss and damage"}],"authors":[{"displayProfilePage":"With Content","profileName":"Diana Baptista","identifier":"d18246f32e29d91b675ff9ca9cd51053","image":"d18246f32e29d91b675ff9ca9cd51053","urlTitle":"diana-baptista","role":"Data Journalist"},{"displayProfilePage":"With Content","profileName":"David Sherfinski","identifier":"1c833db55ac5c421c3f035cae31ccfbf","image":"1c833db55ac5c421c3f035cae31ccfbf","urlTitle":"david-sherfinski","role":"U.S. Correspondent"}],"country":[{"UnitedStates":"United States"}],"regions":["NorthAmerica"],"source":"Context","sponsoredBy":[],"supportedBy":[],"body":"\u003cul\u003e\n\u003cli\u003eBiden Treasury department releases massive insurance data set\u003c/li\u003e\n\u003cli\u003eHigher climate risk zones face higher premium, non-renewal rates\u003c/li\u003e\n\u003cli\u003eHomeowners insurance in focus after LA area wildfires\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eMEXICO CITY/RICHMOND, Virginia - Climate change is fast \u003ca href=\"https://www.context.news/in-focus/end-of-insurance\" target=\"_blank\" rel=\"noopener\"\u003eupending home insurance\u003c/a\u003e rates in the United States \u0026ndash; almost regardless of where one lives.\u003c/p\u003e\n\u003cp\u003eIn the aftermath of the Los Angeles area wildfires, California's largest private insurer requested significantly higher rates for homeowners from May as it dealt with costly claims, while there were widespread reports that insurers were dropping customers before the disaster first struck in early January.\u003c/p\u003e\n\u003cp\u003ePrecisely where and how much insurance rates have risen and are projected to rise will be instrumental in how the U.S. housing market adapts to climate change in the long run.\u003c/p\u003e\n\u003cp\u003eTo that end, the U.S. Treasury Department \u0026ndash; with the help of the National Association of Insurance Commissioners (NAIC) and state regulators \u0026ndash; has released a \u003ca href=\"https://home.treasury.gov/system/files/311/Analyses_of_US_Homeowners_Insurance_Markets_2018-2022_Climate-Related_Risks_and_Other_Factors_0.pdf\" target=\"_blank\" rel=\"noopener\"\u003efirst-of-its-kind report\u003c/a\u003e examining cost and changes over time of metrics like insurance premiums and non-renewal rates across the country.\u003c/p\u003e\n\u003cp\u003eThe report is unprecedented in its scope, covering more than 330 insurers and more than 246 million homeowners insurance policies from 2018 through 2022.\u003c/p\u003e\n\u003cp\u003eThe report \"identifies alarming trends of rising costs of insurance \u0026ndash; to consumers and insurers themselves \u0026ndash; as well as lack of availability of insurance, all of which threaten the long-term prosperity of American families,\" said former Treasury Secretary Janet Yellen in January, when the report was released at the tail end of the Biden administration.\u003c/p\u003e\n\u003cp\u003eWhat are the major takeaways? Here's what you need to know:\u003c/p\u003e\n\u003ch2\u003eHow are major weather events connected to insurance costs?\u003c/h2\u003e\n\u003cp\u003eAs climate change fuels hotter, drier conditions that help increase the intensity and frequency of wildfires and storms, insurance companies have been exiting markets in high-risk areas, helping push up costs.\u003c/p\u003e\n\u003cp\u003e\"Consumers living in the top 20 percent of ZIP Codes with the highest expected annual losses to buildings from climate-related perils paid average inflation-adjusted premiums per policy of $2,321 between 2018 and 2022 \u0026mdash; 82 percent more than the average for the bottom 20 percent of ZIP Codes,\" the Treasury report said.\u003c/p\u003e","bodyPart21":"\u003cp\u003eIn the wake of the wildfires in the Los Angeles area, State Farm officials requested an emergency \u003ca href=\"https://newsroom.statefarm.com/download/90ab44d3-54d6-42b7-8d69-0d883fa5de78/february32025lettersenttocadepartmentofinsurance.pdf\" target=\"_blank\" rel=\"noopener\"\u003e22% rate\u003c/a\u003e hike for homeowners from May, saying the fires \"will collectively be the costliest in the history of the company.\"\u003c/p\u003e\n\u003ch2\u003eWhat about policies getting cancelled?\u003c/h2\u003e\n\u003cp\u003eIn addition to rising costs, there have been widespread reports of homeowners suddenly \u003ca href=\"https://www.context.news/climate-risks/florida-homeowners-battle-for-insurance-after-ians-devastation\" target=\"_blank\" rel=\"noopener\"\u003egetting dropped\u003c/a\u003e from their insurance coverage in recent years, often with little notice or warning.\u003c/p\u003e\n\u003cp\u003eThat can force consumers into state-backed or state-supported insurers of last resort, which have taken on more policies in disaster-prone states in recent years.\u003c/p\u003e\n\u003cp\u003e\"Consumers in the highest risk ZIP codes faced higher policy nonrenewal rates, with an average for the five-year period of 1.61 percent, about 80 percent higher than the average in the lowest risk ZIP Codes,\" the report said.\u003c/p\u003e\n\u003cp\u003e\"Moreover, average nonrenewal rates increased by substantially more in the highest risk areas than in the lowest risk areas over this period, which indicates that consumers in these highest risk areas faced decreasing availability over the five-year period.\"\u003c/p\u003e\n\u003cp\u003e\u003c/p\u003e","bodyPart31":"\u003ch2\u003eWhat limits are there to the data available on the topic?\u003c/h2\u003e\n\u003cp\u003eThe data set is admittedly incomplete, as a handful of states did not participate in a data call from NAIC that helped undergird the report. It also measured the markets from 2018-2022, so data for the past two years is not included.\u003c/p\u003e\n\u003cp\u003eThe report said the summary findings might not fully capture the \"many dimensions\" of cost and availability of homeowners insurance, noting that inflation and the rise in replacement and reconstruction costs were significant during the time period and homeowners might have found options in other markets.\u003c/p\u003e\n\u003cp\u003eThe report also said it includes the impact covered by standard homeowners insurance policies, which typically don't cover damages from flooding.\u003c/p\u003e\n\u003cp\u003e\u003c/p\u003e","bodyPart41":"\u003cp\u003eAmerican Property Casualty Insurance Association (APCIA) President and CEO David A. Sampson had said in response to the report that homeownership costs are on the rise primarily because of inflation and cautioned against drawing too many conclusions from the data.\u003c/p\u003e\n\u003cp\u003e\"Unfortunately, Treasury's release provides an incomplete explanation about the affordability and availability of insurance,\" Sampson said.\u003c/p\u003e\n\u003cp\u003e\"Insurance availability can be best improved by allowing competitive private markets to appropriately price risk according to expected costs, while reducing government rate suppression and policy from constraints.\"\u003c/p\u003e\n\u003cp\u003eBut U.S. Senator Sheldon Whitehouse, a Democrat from Rhode Island who held a series of hearings on climate risk when he chaired the budget committee, said \"there should be no more doubt that climate change is one of the biggest financial risks to Americans today\".\u003c/p\u003e\n\u003cp\u003e\"Climate change is not only making life's essentials more expensive, but also setting in motion a risk of cascading failures \u0026mdash; from the insurance market to the mortgage market to a property values collapse \u0026mdash; that ends in economy-wide catastrophe,\" Whitehouse had said in response to the Treasury report.\u003c/p\u003e\n\u003cp\u003e(Reporting by Diana Baptista and David Sherfinski; Editing by Ana Nicolaci da Costa.)\u003c/p\u003e","multimediaType1":"flourish","multimediaField1":"visualisation/21472374?1482596","multimediaFileUpload1":[],"multimediaType2":"flourish","multimediaField2":"visualisation/21510295?1482596","multimediaFileUpload2":[],"multimediaType3":"flourish","multimediaField3":"visualisation/21471600?1482596","multimediaFileUpload3":[],"organisation":[{"identifier":"0891b10571d0297a133006b7d0cfd40a","nameOfTheOrganisation":"Thomson Reuters Foundation","linkToWebsite":"https://www.trust.org/"}],"contentLevel":"Live","userNeed":"Give me context","widgets":{"goDeeper":{"contentlets":[{"identifier":"5315c3c6382bd498a503bf48691cb3ff","headline":"Climate change-driven insurance crisis threatens new US states","teaser":"The home insurance crisis in the United States is spreading as climate change drives extreme weather. Could your state be next?","homepageHeadline":"Climate change-driven insurance crisis threatens new US states","homepageTeaser":"\u003cp\u003eAfter major providers \u003ca href=\"https://www.context.news/climate-risks/us-wildfire-response-could-force-poorest-out-of-paradise\" target=\"_blank\" rel=\"noopener\"\u003equit\u003c/a\u003e California, Florida, and Louisiana, insurers are starting to pull back in other U.S. states, leaving homeowners struggling to find affordable cover \u003ca href=\"https://www.context.news/in-focus/end-of-insurance\" target=\"_blank\" rel=\"noopener\"\u003efor the risk\u003c/a\u003e of being hit by floods, wildfires or hurricanes.\u003c/p\u003e\n\u003cp\u003eInsurers are retreating from markets in hurricane-prone North Carolina and western states like Oregon, Colorado, and Arizona that have struggled with increasingly frequent and destructive wildfires in recent years.\u003c/p\u003e","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/climate-change-driven-insurance-crisis-threatens-new-us-states","image":"00c78103be00f215bdd855110dbd8db4","altText":"A man looks at a neighbor's damaged belongings after numerous rain storms flooded a residential area, in Pajaro, California, U.S., March 29, 2023. REUTERS/Carlos Barria","contentType":"ContextArticle","contentSubtype":"none","updatedDate":"Thu, 02 May 2024 11:00:00 GMT","publishedDate":"Thu May 02 11:00:00 UTC 2024","primaryTopic":"climateRisks","seconds":null,"minutes":null},{"identifier":"5ea2c3ecb7c8d9f8ee073dd0034027c1","headline":"As climate disasters rise, New York tests fast insurance payouts","teaser":"US pilot program aims to get fast cash to low-income flood victims to see how it helps long-term economic recovery","homepageHeadline":"As climate disasters rise, New York tests fast insurance payouts","homepageTeaser":"\u003cp\u003eA New York City pilot program is seeking to get money quickly to families affected by flooding \u0026ndash; and avoid the cascading financial problems that can spell economic ruin long after climate disasters have struck.\u003c/p\u003e\n\u003cp\u003eThe program, the first of its kind in the United States, targets the key period right after floods when families can wait weeks or months for insurance payouts or government aid.\u003c/p\u003e","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/as-climate-disasters-rise-new-york-tests-fast-insurance-payouts","image":"68b80eaebdaa4b252cf4c844105ecd73","altText":"Houses in Queens in an area prone to flooding are reflected in a puddle during a Nor'easter in New York, U.S., October 26, 2021","contentType":"ContextArticle","contentSubtype":"none","updatedDate":"Tue, 29 Aug 2023 11:00:00 GMT","publishedDate":"Tue Aug 29 11:00:00 UTC 2023","primaryTopic":"climateRisks","seconds":null,"minutes":null},{"identifier":"6a428fe29066e102831be62e0cbbbafc","headline":"How much will flood insurance cost me - from Alaska to Hawaii?","teaser":"As climate change makes storms and flooding ever more intense, which Americans will pay the highest price?","homepageHeadline":"How much will flood insurance cost me - from Alaska to Hawaii?","homepageTeaser":"\u003cp\u003eFlood \u003ca href=\"https://www.context.news/climate-risks/as-climate-risks-rise-flood-insurance-costs-stun-us-homeowners\" target=\"_blank\" rel=\"noopener\"\u003einsurance is costing ever more\u003c/a\u003e, forcing many Americans - not just those considered most under threat - to make hard choices or drop coverage and risk losing their home to wild weather.\u003c/p\u003e\n\u003cp\u003eClimate change is bringing more frequent and intense storms and flooding, making insurers skittish about covering losses for events that are now almost routine in parts of the country.\u003c/p\u003e","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/how-much-will-flood-insurance-cost-me-from-alaska-to-hawaii","image":"77f1acdc0d82ea48776661ce0abf08f2","altText":"Kids look at their home-damaged belongings after numerous rain storms known as \"atmospheric river\" flooded a residential area, in Pajaro, California, U.S., March 29, 2023. REUTERS/Carlos Barria","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Fri, 19 May 2023 08:37:00 GMT","publishedDate":"Fri May 19 08:37:00 UTC 2023","primaryTopic":"climateRisks","seconds":null,"minutes":null}],"ids":["5315c3c6382bd498a503bf48691cb3ff","5ea2c3ecb7c8d9f8ee073dd0034027c1","6a428fe29066e102831be62e0cbbbafc"]},"howWeGotHere":{"contentlets":[{"headline":"How insurance innovation could unlock billions for nature-based climate solutions","link":"https://www.reuters.com/sustainability/how-insurance-innovation-could-unlock-billions-nature-based-climate-solutions-2025-01-13/","labelText":"Reuters","labelLink":"https://www.reuters.com"},{"headline":"Multiple climate disasters trigger first ever Red Cross disaster insurance pay-out","link":"https://www.reuters.com/sustainability/sustainable-finance-reporting/multiple-climate-disasters-trigger-first-ever-red-cross-disaster-insurance-pay-2024-11-08/","labelText":"Reuters","labelLink":"https://www.reuters.com"},{"headline":"Insurers heavily exposed to climate change, global watchdog says","link":"https://www.reuters.com/business/finance/insurers-heavily-exposed-climate-change-global-watchdog-says-2023-12-06/","labelText":"Reuters","labelLink":"https://www.reuters.com"}],"ids":[]},"todayOnContext":{"showAuthorsNames":false,"type":"4 Stories","items":[{"identifier":"1f9b82ef5294b6ef83f472df710f0e87","headline":"Why is sex ed in Philippines schools under debate?","teaser":"In the Philippines, a proposed law to address teen pregnancies raises polarising views on comprehensive sex education","homepageHeadline":"Why is sex ed in Philippines schools under debate?","homepageTeaser":"\u003cp\u003eAdolescent pregnancy has become a national emergency in the Philippines, where girls as young as 10 years old become mothers.\u003c/p\u003e\n\u003cp\u003eThe archipelago nation has one of the highest adolescent birth rates in Asia, with 47 births annually per 1,000 women aged 15-19.\u003c/p\u003e","labelText":"Socioeconomic Inclusion","labelLink":"/socioeconomic-inclusion","link":"/socioeconomic-inclusion/why-is-sex-ed-in-philippines-schools-under-debate","image":"2c91607c41d74423e7ceaa1950d806bc","altText":"Students receive free condoms at an event organised by the United Nations Population Fund (UNFPA) on World Population Day, at a mall in Mandaluyong, Metro Manila, July 11, 2014. REUTERS/Erik De Castro","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Fri, 21 Feb 2025 06:00:00 GMT","publishedDate":"Fri Feb 21 06:00:00 UTC 2025","primaryTopic":"socioeconomicInclusion","seconds":null,"minutes":null,"authors":[{"displayProfilePage":"With Content","profileName":"Mariejo Ramos","identifier":"d485a1a46c192e1cb27bd4457ca3b8ff","image":"d485a1a46c192e1cb27bd4457ca3b8ff","urlTitle":"mariejo-ramos","role":"Inclusive Economies Correspondent, Southeast Asia"}]},{"identifier":"b9466e7a187c61daf7d3b0a74099c9f2","headline":"USAID cuts threaten Amazon forest and fuel drug trade concerns","teaser":"With cuts in U.S. funding, Indigenous-led efforts to protect the Amazon forest are in limbo","homepageHeadline":"USAID cuts threaten Amazon forest and fuel drug trade concerns","homepageTeaser":"\u003cp\u003ePeruvian Indigenous leader Francisco Hern\u0026aacute;ndez Cayetano travelled hundreds of miles along the Amazon river basin this month to tell communities working for a decade on a project to protect the forest there was no money left.\u003c/p\u003e\n\u003cp\u003eThe initiative is one of hundreds of conservation projects put in limbo by a Jan. 20 executive order signed by U.S. President Donald Trump that \u003ca href=\"https://www.reuters.com/world/us/trump-pauses-us-foreign-aid-90-days-pending-review-2025-01-21/\" target=\"_blank\" rel=\"noopener\"\u003efroze billions\u003c/a\u003e of dollars in \u003ca href=\"https://www.context.news/money-power-people/trumps-usaid-freeze-where-does-the-money-go\" target=\"_blank\" rel=\"noopener\"\u003eforeign aid\u003c/a\u003e for 90 days.\u003c/p\u003e","labelText":"Nature","labelLink":"/nature","link":"/nature/usaid-cuts-threaten-amazon-forest-and-fuel-drug-trade-concerns","image":"d6aa88a952c4b32800d9074639cab438","altText":"Workers plant seedlings for reforestation at Huayquecha Biological Station near Paucartambo, Cusco December 5, 2014. REUTERS/Enrique Castro-Mendivil","contentType":"ContextArticle","contentSubtype":"none","updatedDate":"Thu, 20 Feb 2025 15:33:00 GMT","publishedDate":"Thu Feb 20 15:33:00 UTC 2025","primaryTopic":"nature","seconds":null,"minutes":null,"authors":[{"displayProfilePage":"With Content","profileName":"Andre Cabette Fabio","identifier":"29ff1336509b0cc5aa05ed6525ea04f6","image":"29ff1336509b0cc5aa05ed6525ea04f6","urlTitle":"andre-cabette-fabio","role":"Climate and Nature Correspondent"}]},{"identifier":"20d408d852410feb29ae93f9b50a78e2","headline":"Chatbots pose challenge to guarding child mental health","teaser":"Youth advocates seek to address potential risk chatbots pose to children's mental health","homepageHeadline":"Chatbots pose challenge to guarding child mental health","homepageTeaser":"\u003cp\u003eAs artificial intelligence chatbots gain popularity among users seeking companionship online, youth advocacy groups are ramping up protective legal efforts over fears that children can form unhealthy, dangerous relationships with the humanlike creations.\u003c/p\u003e\n\u003cp\u003eChatbot apps, like Replika and Character.AI, belong to the fast-growing generative AI companion market, where users can customise their virtual partners with nuanced personalities that communicate and simulate \u003ca href=\"https://www.reuters.com/article/business/media-telecom/feature-my-perfect-girlfriend-are-ai-partners-a-threat-to-womens-rights-idUSL8N38P498/\" target=\"_blank\" rel=\"noopener\"\u003eclose relationships\u003c/a\u003e.\u003c/p\u003e","labelText":"AI","labelLink":"/ai","link":"/ai/chatbots-pose-challenge-to-guarding-child-mental-health","image":"2ff45132f3d456aabc68da75d2c38edf","altText":"A user interacts with a smartphone app to customize an avatar for a personal artificial intelligence chatbot, known as a Replika, in San Francisco, California, U.S. Luka, Inc./Handout via REUTERS","contentType":"ContextArticle","contentSubtype":"none","updatedDate":"Thu, 20 Feb 2025 14:34:00 GMT","publishedDate":"Thu Feb 20 14:34:00 UTC 2025","primaryTopic":"ai","seconds":null,"minutes":null,"authors":[{"displayProfilePage":"Unclickable","profileName":"Aaron Mak","identifier":"1e80e54ca0ff294377f494556d826038","image":"1e80e54ca0ff294377f494556d826038","urlTitle":"aaron-mak","role":"Freelance Journalist"}]},{"identifier":"f8895d0eb92d09bd2f9a9a6e075f52b7","headline":"In Data: Why is Asia-Pacific a hot spot for migrant worker abuses?","teaser":"Asia and the Pacific comprise a major hot spot for migrant worker exploitation, and access to justice remains difficult","homepageHeadline":"In Data: Why is Asia-Pacific a hot spot for migrant worker abuses?","homepageTeaser":"\u003cp\u003eFrom construction to agriculture and manufacturing, labour migration fuels the Asian economy, and a major rights group said interventions are needed to protect migrant workers from vulnerable situations.\u003c/p\u003e\n\u003cp\u003eIn the Philippines, among the world's top sources of migrant labour, remittances sent home by Filipino workers overseas account for about a tenth of the country's annual gross domestic product.\u003c/p\u003e","labelText":"Money, Power \u0026 People","labelLink":"/money-power-people","link":"/money-power-people/in-data-why-is-asia-pacific-a-hot-spot-for-migrant-worker-abuses","image":"c07420c6684154476c107a85ba4e9ddc","altText":"Migrant people gather at the Sadarghat Ferry Port to go home to celebrate Eid al-Adha in Dhaka, Bangladesh, July 30, 2020. REUTERS/Mohammad Ponir Hossain","contentType":"ContextArticle","contentSubtype":"none","updatedDate":"Wed, 19 Feb 2025 15:40:00 GMT","publishedDate":"Wed Feb 19 15:40:00 UTC 2025","primaryTopic":"moneyPowerAndPeople","seconds":null,"minutes":null,"authors":[{"displayProfilePage":"With Content","profileName":"Mariejo Ramos","identifier":"d485a1a46c192e1cb27bd4457ca3b8ff","image":"d485a1a46c192e1cb27bd4457ca3b8ff","urlTitle":"mariejo-ramos","role":"Inclusive Economies Correspondent, Southeast Asia"}]}],"ids":["1f9b82ef5294b6ef83f472df710f0e87","b9466e7a187c61daf7d3b0a74099c9f2","20d408d852410feb29ae93f9b50a78e2","f8895d0eb92d09bd2f9a9a6e075f52b7"]},"trending":{"mostRead":{"items":[{"identifier":"135aaef08b1692d0bef66f8c57acff6e","headline":"The South African land law that has enraged Trump","teaser":"South Africa's new land act has angered the U.S president and divided South Africans. Why?","homepageHeadline":"The South African land law that has enraged Trump","homepageTeaser":"\u003cp\u003eThirty years after the end of white minority rule in South Africa and \u003ca href=\"https://www.context.news/socioeconomic-inclusion/mozambique-slave-descendants-demand-justice-amid-reparations-calls\" target=\"_blank\" rel=\"noopener\"\u003eland ownership\u003c/a\u003e remains a hot topic in one of the world's least equal nations.\u003c/p\u003e\n\u003cp\u003eNow it is a hot topic in Washington too.\u003c/p\u003e","labelText":"Money, Power \u0026 People","labelLink":"/money-power-people","link":"/money-power-people/the-south-african-land-law-that-has-enraged-trump","image":"74f6bd005ae0a0f10c85bd543727f139","altText":"Workers drive cattle past a 'private property' sign, at a farm in Eikenhof, near Johannesburg, South Africa June 15, 2022. REUTERS/Siphiwe Sibeko","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Tue, 18 Feb 2025 08:00:00 GMT","publishedDate":"Tue Feb 18 08:00:00 UTC 2025","primaryTopic":"moneyPowerAndPeople","seconds":null,"minutes":null},{"identifier":"33ba8afc81c89b428c4824e1b5d70a3f","headline":"Is the world ready for another pandemic?","teaser":"Five years after the COVID-19 outbreak, what is the world doing to prepare for future pandemics?","homepageHeadline":"Is the world ready for another pandemic?","homepageTeaser":"\u003cp\u003eFive years after \u003ca href=\"https://www.context.news/socioeconomic-inclusion/long-covid-costs-countries-billions-of-dollars\" target=\"_blank\" rel=\"noopener\"\u003eCOVID-19\u003c/a\u003e was declared a pandemic, experts worry the world has still not learnt its lessons, saying it is a question of when - not if - a deadly, new \"Disease X\" strikes.\u003c/p\u003e\n\u003cp\u003eScientific shorthand for an unknown or hypothetical pathogen, \u003ca href=\"https://www.reuters.com/fact-check/disease-x-is-preparedness-scenario-not-real-disease-planned-by-wef-2024-01-31/\" target=\"_blank\" rel=\"noopener\"\u003eDisease X\u003c/a\u003e could cause an international epidemic or pandemic that again sweeps the world - and health experts are united in believing one will come.\u003c/p\u003e","labelText":"Money, Power \u0026 People","labelLink":"/money-power-people","link":"/money-power-people/is-the-world-ready-for-another-pandemic","image":"f92677999f5c3520646a78d544fcc150","altText":"A woman wearing a protective face mask walks past a mural promoting awareness of the coronavirus disease (COVID-19) outbreak, in Jakarta, Indonesia, June 24, 2021. REUTERS/Ajeng Dinar Ulfiana","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Mon, 17 Feb 2025 03:00:00 GMT","publishedDate":"Mon Feb 17 03:00:00 UTC 2025","primaryTopic":"moneyPowerAndPeople","seconds":null,"minutes":null},{"identifier":"08b4afde3a0523caf112556a1eaeb555","headline":"Q\u0026A: Amazon union leader sounds alarm on Trump, AI","teaser":"Labor organizer Chris Smalls started the first Amazon warehouse union in the United States. Now he's taking his efforts global","homepageHeadline":"Q\u0026A: Amazon union leader sounds alarm on Trump, AI","homepageTeaser":"\u003cp\u003eChris Smalls became one of the most prominent labor organizers in the United States using creativity, ingenuity and hard work to build union support among wary workers.\u003c/p\u003e\n\u003cp\u003eIn 2020, Smalls was fired from his job as an assistant manager in a New York City-area Amazon warehouse after raising concerns over a lack of COVID-19 protections.\u003c/p\u003e","labelText":"Big Tech","labelLink":"/big-tech","link":"/big-tech/q-and-a-amazon-union-leader-sounds-alarm-on-trump-ai","image":"fc9a89f10c86c38101fec4b885639f0e","altText":"People hold signs and march during a strike by Teamsters union members at an Amazon facility in Alpharetta, Georgia, U.S. December 19, 2024. REUTERS/Elijah Nouvelage","contentType":"ContextArticle","contentSubtype":"interview","updatedDate":"Mon, 10 Feb 2025 13:25:00 GMT","publishedDate":"Mon Feb 10 13:25:00 UTC 2025","primaryTopic":"bigTech","seconds":null,"minutes":null},{"identifier":"9cfd1021cc57f25f62319f9032791e4a","headline":"Britain's foreign aid: Where does the money go?","teaser":"Britain has pledged more money to the world's lowest income countries, but its overseas aid budget remains below UN target","homepageHeadline":"Britain's foreign aid: Where does the money go?","homepageTeaser":"\u003cp\u003eBritain has pledged 1.98 billion pounds ($2.5 billion) from its overseas aid budget to the World Bank to fund \u003ca href=\"https://www.context.news/money-power-people/why-is-the-worlds-humanitarian-aid-gap-getting-bigger\" target=\"_blank\" rel=\"noopener\"\u003einternational development\u003c/a\u003e but as the year closes, NGOs remain disappointed that aid spending is still below a U.N. recommended target.\u003c/p\u003e\n\u003cp\u003eBritain will \u003ca href=\"https://www.gov.uk/government/news/new-uk-investment-to-unlock-billions-to-tackle-root-causes-of-irregular-migration-climate-change-and-growth-crises--2\" target=\"_blank\" rel=\"noopener\"\u003eprovide the money\u003c/a\u003e over three years to the International Development Association (IDA), the World Bank's fund for the lowest income countries, development minister Anneliese Dodds said in November.\u003c/p\u003e","labelText":"Socioeconomic Inclusion","labelLink":"/socioeconomic-inclusion","link":"/socioeconomic-inclusion/britains-foreign-aid-where-does-the-money-go","image":"8d5a90edf97aa3b5f9865084e107c623","altText":"A displaced Afghan family from Kunduz province, whose house was destroyed by flood, lives in an open area in front of the ruins of a 1500-year-old Buddha statue, in Bamiyan, Afghanistan, March 2, 2023","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Tue, 17 Dec 2024 15:15:00 GMT","publishedDate":"Thu Oct 28 12:15:00 UTC 2021","primaryTopic":"socioeconomicInclusion","seconds":null,"minutes":null},{"identifier":"f5baf14e9b1435de55048694d81a60f4","headline":"What does a Donald Trump presidency mean for LGBTQ+ rights?","teaser":"Donald Trump is ending multiple policies protecting LGBTQ+ rights, including recognising of non-binary identities, gender-affirming healthcare for trans youth","homepageHeadline":"What does a Donald Trump presidency mean for LGBTQ+ rights?","homepageTeaser":"\u003cp\u003eU.S. President Donald Trump has used his first weeks in office to sign multiple executive orders impacting the lives of LGBTQ+ Americans, restricting access to healthcare, military jobs and protection from discrimination.\u003c/p\u003e\n\u003cp\u003eLast week Trump announced he would stop schools from using federal funds for curriculum, teacher certification or \u003ca href=\"https://www.reuters.com/world/us/trump-sign-orders-school-choice-antisemitism-white-house-says-2025-01-29/\" target=\"_blank\" rel=\"noopener\"\u003eany other purposes\u003c/a\u003e related to \"gender ideology or discriminatory equity ideology\".\u003c/p\u003e","labelText":"Socioeconomic Inclusion","labelLink":"/socioeconomic-inclusion","link":"/socioeconomic-inclusion/what-does-a-donald-trump-presidency-mean-for-lgbtq-rights","image":"ef8471fb347133886ed5a1dcf83f4c7b","altText":"Republican presidential nominee and former U.S. President Donald Trump gestures as he holds hands with his wife Melania during his rally, at the Palm Beach County Convention Center in West Palm Beach, Florida, U.S., November 6, 2024. REUTERS/Brian Snyder","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Tue, 04 Feb 2025 12:15:00 GMT","publishedDate":"Wed Nov 06 11:35:00 UTC 2024","primaryTopic":"socioeconomicInclusion","seconds":null,"minutes":null},{"identifier":"6ca9259868d092275710d374873345c1","headline":"LGBTQ+ Germans fear Elon Musk-backed AfD could reverse rights","teaser":"Despite its openly lesbian leader, the far-right party has targeted LGBTQ+ rights and could influence policy after the election","homepageHeadline":"LGBTQ+ Germans fear Elon Musk-backed AfD could reverse rights","homepageTeaser":"\u003cp\u003eElon Musk's \u003ca href=\"https://www.reuters.com/world/europe/german-politicians-decry-elon-musks-afd-support-intrusive-election-influence-2024-12-29/\" target=\"_blank\" rel=\"noopener\"\u003epublic backing\u003c/a\u003e of Alternative for Germany (AfD), a far-right party polling second ahead of February's snap election, has exacerbated fears of rights reversals among LGBTQ+ people concerned about the party's possible influence on policy.\u003c/p\u003e\n\u003cp\u003e\"The portrayal of the AfD as right-wing extremist is clearly false, considering that Alice Weidel, the party's leader, has a same-sex partner from Sri Lanka! Does that sound like Hitler to you? Please!\" Musk \u003ca href=\"https://www.reuters.com/world/europe/elon-musk-backs-afd-party-german-newspaper-opinion-piece-2024-12-28/\" target=\"_blank\" rel=\"noopener\"\u003ewrote in an article\u003c/a\u003e in late December. He also plans a \u003ca href=\"https://www.zdf.de/nachrichten/politik/elon-musk-alice-weidel-x-talk-100.htmlhttps://www.zdf.de/nachrichten/politik/elon-musk-alice-weidel-x-talk-100.html\" target=\"_blank\" rel=\"noopener\"\u003elive interview\u003c/a\u003e with Weidel this week.\u003c/p\u003e","labelText":"Socioeconomic Inclusion","labelLink":"/socioeconomic-inclusion","link":"/socioeconomic-inclusion/lgbtq-germans-fear-elon-musk-backed-afd-could-reverse-rights","image":"33a80415457bdd1b6d85afa8d2446287","altText":"Alice Weidel, co-leader of the Alternative for Germany party (AfD), attends a press conference, on the day she is expected to be announced as officially nominated candidate for Chancellor for the upcoming general elections, in Berlin, Germany December 7, 2024. REUTERS/Annegret Hilse","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Wed, 08 Jan 2025 16:04:00 GMT","publishedDate":"Wed Jan 08 16:04:00 UTC 2025","primaryTopic":"socioeconomicInclusion","seconds":null,"minutes":null}],"ids":["135aaef08b1692d0bef66f8c57acff6e","33ba8afc81c89b428c4824e1b5d70a3f","08b4afde3a0523caf112556a1eaeb555","9cfd1021cc57f25f62319f9032791e4a","f5baf14e9b1435de55048694d81a60f4","6ca9259868d092275710d374873345c1"]},"mostShared":{"items":[],"ids":[]}},"moreOnTopic":{"contentlest":[{"identifier":"88ae689f8212341fba5d26db969ffa8f","headline":"Plastic pollution is surging, so what are governments doing?","teaser":"U.S. President Donald Trump backs plastic straws as the world struggles to tackle plastic waste.","homepageHeadline":"Plastic pollution is surging, so what are governments doing?","homepageTeaser":"\u003cp\u003e\u003cspan style=\"color: black;\"\u003ePresident Donald Trump signed an \u003ca href=\"https://www.reuters.com/world/us/trump-signs-executive-order-plastic-drinking-straws-2025-02-10/\" target=\"_blank\" rel=\"noopener\"\u003eexecutive order\u003c/a\u003e this week to encourage the U.S. government and consumers to purchase plastic drinking straws, in a major change of direction from his predecessor Joe Biden's measures against single-use plastics.\u003cbr /\u003e\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"color: black;\"\u003eProducing these plastics, from Barbie dolls to water bottles, generates large amounts of planet-warming greenhouse gas emissions, while the accumulation of plastic products in the environment \u003ca href=\"https://www.context.news/climate-risks/can-nigeria-turn-the-tide-on-plastic-pollution\" target=\"_blank\" rel=\"noopener\"\u003epollutes lands and oceans\u003c/a\u003e.\u003c/span\u003e\u003c/p\u003e","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/how-can-the-world-use-less-plastic-and-reduce-pollution","image":"03137d260921177d5a0440ce97f95653","altText":"Climate activists march to demand stronger global commitments to fight plastic waste in Busan, South Korea, November 23, 2024. REUTERS/Minwoo Park","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Thu, 13 Feb 2025 15:00:00 GMT","publishedDate":"Tue Feb 28 11:43:00 UTC 2023","primaryTopic":"climateRisks","seconds":null,"minutes":null},{"identifier":"1839f99683132327f42fa66f8debc4b2","headline":"What are the environmental costs of AI?","teaser":"As the AI Action summit begins in Paris, the environmental cost of artificial intelligence is under scrutiny","homepageHeadline":"What are the environmental costs of AI?","homepageTeaser":"\u003cp\u003eHundreds of civil society organisations called on world leaders and industry heads to reduce the environmental harm of \u003ca href=\"https://www.context.news/ai/video/forget-jobs-ai-is-coming-for-your-water\" target=\"_blank\" rel=\"noopener\"\u003epower-hungry, thirsty\u003c/a\u003e artificial intelligence ahead of an international summit this week.\u003c/p\u003e\n\u003cp\u003eThe groups, which include European Digital Rights, Amnesty International and Climate Action Network \u0026nbsp;Europe, demanded that AI companies \u003ca href=\"https://greenscreen.network/en/blog/within-bounds-limiting-ai-environmental-impact/\" target=\"_blank\" rel=\"noopener\"\u003ephase out fossil fuels\u003c/a\u003e, ensure supply chains are ethical and be transparent about the social and environmental implications of proposed AI infrastructure in a joint statement.\u003c/p\u003e\n\u003cp\u003e\u003c/p\u003e","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/what-are-the-environmental-costs-of-ai","image":"c24af57cd64d6904461a38130e2c805c","altText":"An AI (Artificial Intelligence) sign is seen at the World Artificial Intelligence Conference (WAIC) in Shanghai, China July 6, 2023","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Mon, 10 Feb 2025 13:00:00 GMT","publishedDate":"Mon Aug 21 09:24:00 UTC 2023","primaryTopic":"climateRisks","seconds":null,"minutes":null},{"identifier":"a45aa124b19181e596b396888b58226b","headline":"How, and where climate change will lower U.S. home values","teaser":"U.S. homeowners face higher home insurance costs and decreasing property values in climate-risky areas","homepageHeadline":"How, and where climate change will lower U.S. home values","homepageTeaser":"\u003cp\u003eClimate change is quickly upending the \u003ca href=\"https://www.context.news/in-focus/end-of-insurance\" target=\"_blank\" rel=\"noopener\"\u003ehome insurance market\u003c/a\u003e in the United States as well as globally and is projected to bring sweeping change in U.S. real estate values over the next 30 years, new research shows.\u003c/p\u003e\n\u003cp\u003eAlthough Americans still flock to climate-risky areas, the longtime trend could start to change, according to a novel report from First Street Foundation, a climate risk mapping group.\u003c/p\u003e","labelText":"Climate Risks","labelLink":"/climate-risks","link":"/climate-risks/how-and-where-climate-change-will-upend-us-home-values","image":"bbde6ac4a87d02db5bf65377a4a45293","altText":"A resident walks through floodwaters outside his home in Surfside Beach, Texas, U.S. June 20, 2024 . REUTERS/Evan Garcia","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Mon, 10 Feb 2025 08:00:00 GMT","publishedDate":"Mon Feb 10 08:00:00 UTC 2025","primaryTopic":"climateRisks","seconds":null,"minutes":null}],"ids":["88ae689f8212341fba5d26db969ffa8f","1839f99683132327f42fa66f8debc4b2","a45aa124b19181e596b396888b58226b"]},"moreOnSection":{"contentlest":[{"identifier":"1b56f108e5c723d5d1447febd0861625","headline":"Want sustainable food? Listen to Indigenous farmers","teaser":"As COP16 U.N. biodiversity summit resumes in Rome, Indigenous farming knowledge is key to achieving sustainable agriculture","homepageHeadline":"Want sustainable food? Listen to Indigenous farmers","homepageTeaser":"\u003cp\u003eNext week biodiversity experts will reconvene in Rome and attempt to break last year\u0026rsquo;s deadlock in negotiations for funding to protect nature.\u003c/p\u003e\n\u003cp\u003eDuring the U.N. biodiversity talks, known as COP16,\u0026nbsp;held in the Colombian city of Cali in October,\u0026nbsp; Indigenous Peoples and local communities finally won a historic and long overdue right to \u003ca href=\"https://apnews.com/article/biodiversity-cop16-colombia-decisions-indigenous-53a8b16befaf621d75a2fc9b9828c2a8\" target=\"_blank\" rel=\"noopener\"\u003evoice their perspectives.\u003c/a\u003e Delegates agreed to include them in key decisions about environmental protection.\u003c/p\u003e","labelText":"Nature","labelLink":"/nature","link":"/nature/opinion/want-sustainable-food-listen-to-indigenous-farmers","image":"889a71e95245a06f35998b9e9c9de2c4","altText":"Indigenous Macuxi people work in a manioc plantation at the community of Uailan on the Raposa Serra do Sol reservation, Roraima state, Brazil February 10, 2019. REUTERS/Bruno Kelly","contentType":"ContextArticle","contentSubtype":"opinion","updatedDate":"Fri, 21 Feb 2025 13:30:00 GMT","publishedDate":"Fri Feb 21 13:30:00 UTC 2025","primaryTopic":"nature","seconds":null,"minutes":null,"category":"opinion","flagOpinion":true},{"identifier":"31f9ad8067b29eed7cfa425faab511c3","headline":"Bangladesh shipyards brace for recycling boom","teaser":"New international law seeks to make ship-breaking safer and cleaner - workers want better pay, too.","homepageHeadline":"Bangladesh shipyards brace for recycling boom","homepageTeaser":"\u003cp\u003eOn the southwest coast of Bangladesh, workers armed with gas torches, laser cutters and winches break apart the carcasses of the giant, old \u003ca href=\"https://www.context.news/just-transition/what-happens-to-ships-when-they-die\" target=\"_blank\" rel=\"noopener\"\u003eships\u003c/a\u003e that are grounded on their sandy beach.\u003c/p\u003e\n\u003cp\u003eThirty ship-breaking yards and \u003ca href=\"https://www.hrw.org/report/2023/09/28/trading-lives-profit/how-shipping-industry-circumvents-regulations-scrap-toxic\" target=\"_blank\" rel=\"noopener\"\u003ethousands of scrap workshops\u003c/a\u003e are dotted along 15 km of the coastline of Sitakunda, recycling about 38% of the world's dead ships and supplying steel scraps for Bangladesh's thriving manufacturing industry.\u003c/p\u003e","labelText":"Just Transition","labelLink":"/just-transition","link":"/just-transition/bangladesh-shipyards-brace-for-recycling-boom","image":"b7ad8b0d7a06f40722654faeed6d5cf8","altText":"Workers weld a wrecked part of a ship at a ship-breaking yard in Chittagong August 19, 2009. REUTERS/Andrew Biraj","contentType":"ContextArticle","contentSubtype":"none","updatedDate":"Wed, 19 Feb 2025 02:00:00 GMT","publishedDate":"Wed Feb 19 02:00:00 UTC 2025","primaryTopic":"justTransition","seconds":null,"minutes":null},{"identifier":"fa53c2cdfc47d2561fc62bb1a76b8683","headline":"What happens to ships when they die?","teaser":"Scrapping old ships cuts planet-heating emissions, but the risks to people and planet are significant, too","homepageHeadline":"What happens to ships when they die?","homepageTeaser":"\u003cp\u003eFrom cargo ships to cruise liners, bulk carriers to oil tankers, more than 109,000 ships ply the world's waters, but the fleet is ageing fast and \u003ca href=\"https://unctad.org/system/files/official-document/rmt2024ch2_en.pdf\" target=\"_blank\" rel=\"noopener\"\u003epolluting the planet.\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eSome \u003ca href=\"https://www.legalissuesjournal.com/wp-content/uploads/2020/11/0822-Ahmed-The-Origin-and-Evaluation-of-Ship-Breaking-Regime-of-South-Asia-A-Critical-Perspective-From-Bangladesh-.pdf\" target=\"_blank\" rel=\"noopener\"\u003e1,800 ships\u003c/a\u003e become obsolete each year and are sent away to be dismantled - and that number is \u003ca href=\"https://brill.com/view/journals/ocyo/36/1/article-p551_18.xml\" target=\"_blank\" rel=\"noopener\"\u003eexpected to rise\u003c/a\u003e in the next few years, with one in two ships more than 15 years old.\u0026nbsp;\u0026nbsp;\u003c/p\u003e","labelText":"Just Transition","labelLink":"/just-transition","link":"/just-transition/what-happens-to-ships-when-they-die","image":"c9c492b5cb5876bf3519e3319b6228fa","altText":"Labourers climb up an iron chain and ladder to break down a ship for scrap metal at the Gaddani ship breaking yard from Karachi November 24, 2011. REUTERS/Akhtar Soomro","contentType":"ContextArticle","contentSubtype":"explainer","updatedDate":"Tue, 18 Feb 2025 08:00:00 GMT","publishedDate":"Tue Feb 18 08:00:00 UTC 2025","primaryTopic":"justTransition","seconds":null,"minutes":null}],"ids":["1b56f108e5c723d5d1447febd0861625","31f9ad8067b29eed7cfa425faab511c3","fa53c2cdfc47d2561fc62bb1a76b8683"]},"readMore":{"contentlest":[],"ids":[]},"collection":null}},"promotedItem":null,"featuredPodcastSeries":null,"showOpenlyBanner":false},"__N_SSG":true},"page":"/[primaryTopic]/[urlTitle]","query":{"primaryTopic":"climate-risks","urlTitle":"in-data-how-much-is-climate-change-affecting-your-home-insurance"},"buildId":"Ki8LPAhZBLBoypJ6Z7d-0","isFallback":false,"isExperimentalCompile":false,"gsp":true,"scriptLoader":[]}</script></body></html>