The Uninsurable Future: The Climate Threat to Property Insurance, and How to Stop It | Yale Law Journal

Property insurance availability is threatened by climate change.   Deregulating insurance markets is not the solution.  Stopping insurers’  financial...

Volume 135 3 December 2025 abstract. Insurance is the climate crisis’s canary in the coal mine. Climate change, due to increasing greenhouse-gas emissions, is causing more extreme and severe natural catastrophes. Insurers respond to the substantial increase in property-insurance losses caused by these disasters by increasing prices and not writing or renewing insurance. State efforts to address the problem through deregulation of the insurance market, like Florida, or by allowing substantial rate increases, like California, do not address the underlying driver of the insurance crisis.…

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• Omkar Gadewar

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