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We need sanctuary cities to be built to anticipate massive human climate migration.
Megacity One here we come!
You can’t live in an area where your house is destroyed every other year and expect someone to pay for it.
Oh come on. No place is like that. I live in Florida, in the gulf coast, in a house from the 1940s. The house I moved from is 100 years old this year and still fine. Home insurance has been running a scam here for years, taking money and running. Of course the risk is higher but flood insurance is like 800 a year, house insurance exclusive of flood wants like 10x that, and they are cherry picking houses and leaving those they think are risky to be insured by the state insurance collective.
If I had all the money I'd sent to insurers over the years only to have them drop all the policies and disappear I could self insure at a higher amount that might actually pay to rebuild the house.
With any insurance, it's like gambling, the house always wins.
If the price is inflated someone ought to start an insurance company to cover those folks for less and arbitage themselves into vast riches for all these underserved folks. More likely the prices reflect reality and they should pay them.
I don't know what's going on the home owners side, but almost half of that is the highest flood insurance rate possible. (So a super high risk area) the flood rates are managed and get capped out. It's what enrages anyone around an inland plane. My 1 every 100 year flood coverage for an overflow brook costs 75% the rate of a coastal home that's likely to end up entirely in the ocean in the next decade.
My grandmother's home insurance has gone up close to 1000$ the past two years combined. I've been wanting to leave this doomed place for awhile, and I can't wait to buy a house in the mountains.
Can’t have a sub-market if a majority of multiple generations are forced out of the market it feeds off of.
My home insurance is 14 euros per month. What the fuck is the US doing?