Does it really matter either way? The Dow hit 50,000.
this post was submitted on 12 Feb 2026
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See you down in Arizona Bay.
"My home is safe from climate change, Im not even close to the ocean!"
insurance company stops covering homes in your area at all due to increase in wildfire risk
I live in Chicago. What happens here is our insurance goes up to help supplement the increased coverage needed in places with increased disasters :)
I’m so glad we don’t socialize these costs! I don’t want MY money paying for SOMEONE ELSE which is why I like PRIVATE INSURANCE!
/s
A competing company can open an insurance scheme for Chicago homes only at the original price. The private sector has far fewer insensitives to subsidize weakness
Yeah that's not how insurance works. Or rather, that will work until it doesn't. The reason insurance companies tend not to be local (except for places like Florida where the normal companies all pulled out) is because if an insurance company is local like that, eventually a large disaster happens against the relatively low odds and then there aren't enough other policy holders to diffuse the payout, so the company goes under. To stay afloat they generally need to pool risk both across types of risk and geographically.
I used to use our states Farm Bureau Insurance for property and vehicle insurance. They were the most competitive provider around for a long time. Until about five years ago anyways. Now their premiums are a joke and they're trying to demutualize so they can merge with an out of state competitor because they're on the verge of financial collapse.
Too many catastrophic wind storms over a short period of time.
Edit: kind of ironic that an organization which spent years denying the existence of climate change and lobbying to prevent legislation to address climate change is now suffering the consequences of climate change.
Insurance risk pools are by states because insurance is regulated that way. However State Farm is being investigated for trying to blend state risk pools and increasing rates going against the data.
Not to mention in some places you can't start a new insurance company. In order to get licensed as an insurance provider in my state you have to partner with an existing insurance provider.
This guy insurances
search "western north carolina helene," and re-consider your 'climate change can't touch me' assumption
I am in AZ and I am super curious what happens here.
Hope you don’t like water. Or temperatures that are….survivable.
Learn to swim
I'm pretty sure Tool wrote something about that
You ever been to southern Libya? Basically it'll be like there
got worse news for ya....
Yep, things are dire.