Scorching Premiums: Climate Costs Hit Insurance Market

Climate disruptions and growing risk are upending insurance markets, leading many insurers to abandon parts of the country all together. Due to fires, floods and other extreme events, more and more homeowners are facing rapidly rising premiums or being dropped from their insurance plans altogether. Increasing numbers of homeowners are taking refuge in the state insurance plans of last resort, straining the program resources. For homeowners, whose house is often their biggest financial asset, this creates a huge financial risk.  So what should people do to evaluate climate risks and insurance availability during their housing search? And how can governments help insurers weather the increasing frequency of climate-induced disasters so they can continue to underwrite our homes? Guests: Rachel Cleetus, Senior Policy Director, Union of Concerned Scientists Claire O’Connor, Los Angeles real estate agent and homeowner Dave Jones, Director, Climate Risk Initiative at the Center for Law, Energy & the Environment, UC Berkeley  This episode also includes a news feature produced by Camryn Sanchez of KJZZ in Phoenix. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

In a previous Climate One episode, we discussed the good, the bad, and the ugly impacts of artificial intelligence. But AI isn’t going away. Humans rarely give up a nifty new tool unless something better comes along. AI’s share of energy consumption is enormous, and the Department of Energy estimates that data center energy demands will double or even triple in just the next three years. Demand on fresh water is at least as big and isn’t talked about nearly enough. So, what can we do to reduce AI’s impact?  Plenty of researchers have ideas — from site selection to energy efficiency to using zero-carbon sources of energy. But what will incentivize the AI corporations to take any of those actions? This episode was supported by Climate One Steward Noel Perry and Next 10. This episode was recorded in March and originally aired April 4, 2025. Episode Guests: KeShaun Pearson, Executive Director, Memphis Community Against Pollution Kate Brandt, Chief Sustainability Officer, Google Irina Raicu, Director of the Internet Ethics Program at the Markkula Center for Applied Ethics, Santa Clara University On July 31, Climate One is hosting Premal Shah and Kinari Webb for a live episode recording! With years of experience navigating the global climate movement, the two are sure to offer unparalleled insights during their conversation with Co-Host Greg Dalton. Tickets for the show, which will be held at The Commonwealth Club in San Francisco, are available now through our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Three years ago, Congress passed President Biden’s Inflation Reduction Act, the largest investment in climate action in U.S. history. The IRA set in motion a sweeping set of investments in nearly every aspect of energy and climate, mostly in the form of subsidies and tax credits, to boost domestic production of electric vehicles, batteries and carbon-free energy. Those investments have flowed to every state, but the majority have landed in Republican-held districts.  In spite of that, Congressional Republicans nearly unanimously passed President Trump’s “Big, Beautiful Bill” which the president signed on July 4. The megabill guts nearly all the program funds allocated under the IRA and slashes incentives and credits for solar, wind, energy efficiency and electric vehicles — precisely at a time when we need to dramatically scale up those sectors to address climate change. Why did Republicans let this bill move ahead? And how much will it exacerbate the climate crisis in the coming decades? Guests: Katherine Hamilton, Chair, 38 North Solutions Clayton Aldern, Senior Data Reporter, Grist Lisa Jacobson, President, Business Council for Sustainable Energy John Szoka, CEO, Conservative Energy Network   On July 31, Climate One is hosting Premal Shah and Kinari Webb for a live episode recording! With years of experience navigating the global climate movement, the two are sure to offer unparalleled insights during their conversation with Co-Host Greg Dalton. Tickets for the show, which will be held at The Commonwealth Club in San Francisco, are available now through our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Nature can feel distant from our everyday lives. Maybe it’s a place we visit on the weekends, a getaway from the hustle and bustle, something “out there,” just beyond the edges of our neighborhoods. But we are part of it, and as more and more people consider their impact on the Earth, sustainable practices are extending even to death, where green and natural burials are gaining popularity.  Within the field of biomimicry, a design practice informed by what already exists in nature, innovators are exploring ways to sustain the ecosystems we’re surrounded by, rather than depleting them. Scientists have looked to butterfly wings to improve the efficiency of solar panels, and wetland plants to purify water in buildings.  How can we build in a way that addresses climate concerns and has a softer impact on the environment in which it exists? Guests:  Janine Benyus, Co-Founder, Biomimicry Institute  Emily Miller, Licensed Funeral Director and Embalmer; Founder, Colorado Burial Preserve This episode also features field reporting from Producer Megan Biscieglia at Fernwood Cemetery and Funeral Home. On July 31, Climate One is hosting Premal Shah and Kinari Webb for a live episode recording! With years of experience navigating the global climate movement, the two are sure to offer unparalleled insights during their conversation with Co-Host Greg Dalton. Tickets for the show, which will be held at The Commonwealth Club in San Francisco, are available now through our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

When individuals want to take action on climate, it’s often in the form of electrifying a home, voting, or maybe even traditional activism. Those are very important, but we often overlook how individual skills and talents can also make a difference.  This week we’re highlighting creative forms of climate action. Pattie Gonia is a drag queen, environmentalist and advocate for inclusivity and diversity in the outdoors who struts their message through national parks, in Pride events, and through the halls of Congress. Mike Roberts and Will Hammond Jr. wrote a sultry R&B song that will change the way you think about heat pumps… and an equally stimulating song about the power of geothermal energy. Together, they remind us that we don’t always have to take ourselves too seriously in order for our work to be meaningful and have impact. This episode originally aired on February 7, 2025. Guests: Pattie Gonia, Drag queen; Environmentalist Mike Roberts, Musician; Climate advocate Will Hammond Jr., Educator; Musician Pattie Gonia image credits Mitchell Overton and Maxwell Poth. On July 31, Climate One is hosting Premal Shah and Kinari Webb for a live episode recording! With years of experience navigating the global climate movement, the two are sure to offer unparalleled insights during their conversation with Co-Host Greg Dalton. Tickets for the show, which will be held at The Commonwealth Club in San Francisco, are available now through our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Matt LaBrot was the Tesla sales manager who got so fed up with how Elon Musk’s public persona affected the brand that he published a website called “Tesla Employees Against Elon.” He was subsequently fired, allegedly for "using company resources to build a website that did not align with the company’s perspective." For our pod audience, we’re dropping this extended version of Greg Dalton’s conversation with Matt LaBrot. A portion of this interview aired in our episode “Is The EV Transition Stuck in Neutral?” on June 27th. Guest: Matthew LaBrot, Former Tesla sales employee On July 31, Climate One is hosting Premal Shah and Kinari Webb for a live episode recording! With years of experience navigating the global climate movement, the two are sure to offer unparalleled insights during their conversation with Co-Host Greg Dalton. Tickets for the show, which will be held at The Commonwealth Club in San Francisco, are available now through our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

In 2024, BloombergNEF predicted electric vehicles would make up nearly half of U.S. new car sales by 2030. Now, they’ve revised their projection down to less than 30%, just one year later.  In a time when we need to be speeding up the energy transition, EV sales in the U.S. are stagnating. Sales of Teslas, once the king of electric vehicles, are collapsing. What’s behind the slowing demand? And with China’s growing electric car industry growing, how much should we worry?  Guests: Camila Domonoske, Correspondent, NPR Business Desk  Dan Bowerson, Vice President, Energy and Environment Policy, Alliance for Automotive Innovation Matthew LaBrot, Former Tesla sales employee Mike Murphy, CEO, EV Politics Project For transcripts, related links, and more information about this episode visit our website. On July 31, Climate One is hosting Premal Shah and Kinari Webb for a live episode recording! With years of experience navigating the global climate movement, the two are sure to offer unparalleled insights during their conversation with Co-Host Greg Dalton. Tickets for the show, which will be held at The Commonwealth Club in San Francisco, are available now through our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Summer is here, temperatures are rising — and so are electric bills. That also means many people are facing a severely overlooked issue: power shutoffs. In 2024, over 600,000 households in the United States had their power shut off due to an inability to pay. When that happens, people cannot turn on their lights, keep food refrigerated, or cool down the home. And regulations preventing shutoffs during extreme heat events are woefully inadequate.  But when utilities help pay the upfront costs of efficiency upgrades, the customers and utilities can both save energy — and money. How do we protect the most vulnerable populations from the dangers of home power shutoffs? Guests: Jean Su, Energy Justice Director, Center for Biological Diversity  Sanya Carley, Co-Director, Energy Justice Lab, University of Pennsylvania Tamara Jones, Co-Executive Director, Clean Energy Works Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

Carbon dioxide is a big deal. It’s responsible for about half of global heating. But what about the other half? There’s actually good news here: Nearly half of the temperature increases driving climate disasters come from super pollutants, most of which don’t stay in the atmosphere for nearly as long as carbon dioxide — which can last for centuries. Methane, for example, is about 80 times more potent at warming the climate than carbon dioxide over 20 years. But it only stays in the atmosphere for a fraction of the time. So if we can put the brakes on methane and other super pollutants, we can put the brakes on warming. Guests: Ilissa Ocko, Senior Climate Scientist, Spark Climate Solutions  David Kanter, Associate Professor of Environmental Studies, New York University  Millie Chu Baird, Vice President, Office of the Chief Scientist, Environmental Defense Fund  For show notes and related links, visit our website. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today.Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s so much hard and heavy news out there right now, climate related and not. It feels like decades of progress is being lost. But — good news! — there are many solutions that can be deployed right now. This week we’re featuring conversations with three big thinkers who are bringing those solutions to light and showing why — even when times seem at their worst — they have no room for doom.  Award-winning environmental journalist Alan Weisman traveled the world to highlight possible paths out of the climate crisis. Marine biologist and policy expert Ayana Elizabeth Johnson asks us to focus on the question, “What if we get it right?” And climate activist Bill McKibben wants to activate seniors because, “If you have reached the age where you have hair coming out your ears, you probably have structural power coming out of your ears.”  Guests:  Alan Weisman, Author, “Hope Dies Last” Ayana Elizabeth Johnson, Marine Biologist; Author, “What if We Get it Right?”Bill McKibben, Founder, 350.org and Third Act Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices