Scan the headlines, and you'll see the same climate-related story again and again.

It's the "uninsurability crisis".

This claims that America's insurance market is cracking under the weight of climate change. Premiums are soaring. Major carriers are pulling out of California, Florida, and other high-risk states. Homeowners who've lived in the same place for decades suddenly can't afford — or can't find — coverage.

And yet, paradoxically, the industry itself is still turning a profit.

So who is this crisis really for?

Kate Stein, Insurance Director at EDF+Business, has spent her career at the intersection of climate, insurance, and advocacy. In this episode, she explains why "uninsurability" is a crisis for policyholders long before it becomes a crisis for insurers — and what that distinction means for how we respond.

She also makes the case for a much more ambitious vision of what insurance could do, and how innovation — and greater collaboration with policyholders, developers, and banks — could save it from a climate death spiral.

For anyone grappling with what "uninsurability" really means, and how the industry could respond to climate-related stressors, this episode is for you.

Sign up to climateproof.news for more news and insights on climate adaptation finance, tech, and policy.

Questions? Comments? Email Louie at louie@climateproof.news