There is a reason I have been saying for years that the insurance industry will be the primary driver of climate change adaptation in this country. You know who doesn’t fuck around and find out? Actuaries. https://www.wsj.com/articles/state-farm-halts-home-insurance-sales-in-california-5748c771
State Farm Halts Home-Insurance Sales in California

Insurers have faced higher costs and wildfire risks

WSJ
@TeamMidwest pessimistically, I feel like most Americans will simply reason that they’re saving money not paying for insurance, and carry on as before, until their house burns down/floods.