Home Insurance Rates in America Are Wildly Distorted. Here’s Why.
Climate change is driving rates higher, but not always in areas with the greatest risk.
By Christopher Flavelle and
![](https://cdn.statically.io/img/static01.nyt.com/images/2024/07/08/multimedia/2024-03-27-climate-insurance-homeowners-index/2024-03-27-climate-insurance-homeowners-index-thumbLarge-v3.jpg?auto=webp)
![](https://cdn.statically.io/img/static01.nyt.com/images/2024/07/08/multimedia/2024-03-27-climate-insurance-homeowners-index/2024-03-27-climate-insurance-homeowners-index-threeByTwoMediumAt2X-v3.jpg?auto=webp)
Climate change is driving rates higher, but not always in areas with the greatest risk.
By Christopher Flavelle and
Insurance premiums are surging unevenly across the country. Your rates might be out of step with risks.
By Mira Rojanasakul and
In tiny Wymore, Neb., a sleek new battery-powered school bus became a Rorschach test for the future.
By Dionne Searcey and
Both have gotten caught up in fights over plastic packaging. When Costco recently tried to trim its plastic use by selling rotisserie chickens in bags, some shoppers disapproved.
By
As Solar Power Surges, U.S. Wind Is in Trouble
A 2022 climate law was expected to set off a boom in renewable energy. So far, that’s only come partly true.
By Brad Plumer and
The Vanishing Islands That Failed to Vanish
Low-lying tropical island nations were expected to be early victims of rising seas. But research tells a surprising story: Many islands are stable. Some have even grown.
By Raymond Zhong, Jason Gulley and
A New Surge in Power Use Is Threatening U.S. Climate Goals
A boom in data centers and factories is straining electric grids and propping up fossil fuels.
By Brad Plumer and
Trash or Recycling? Why Plastic Keeps Us Guessing.
Did you know the “recycling” symbol doesn’t mean something is actually recyclable? Play our trashy garbage-sorting game, then read about why this is so tricky.
By Hiroko Tabuchi and
Have Climate Questions? Get Answers Here.
What’s causing global warming? How can we fix it? This interactive F.A.Q. will tackle your climate questions big and small.
By
Advertisement
How the Home Insurance Market Became So Distorted
Climate change and widely varied state regulations could mean you’re paying too much or far too little to insure your home.
By
A Seismic Supreme Court Decision
Here’s how the end of the Chevron doctrine could affect climate regulation.
By David Gelles and
Biden vs. Trump on Climate Policy
Ahead of the first presidential debate, we examined the climate stakes in this year’s election.
By
The Heat Crisis Is a Housing Crisis
A lack of affordable housing and high energy costs are making Americans more vulnerable to record-breaking heat, public health experts say.
By
On-air meteorologists have become a target in the culture wars as they report on the effects of climate change.
By
The state has had more than 3,500 wildfires this year, and the peak of the annual fire season has yet to arrive.
By Jill Cowan
In books and articles he wrote about the militarization of space and believed that investing in exploration would ultimately “protect Earth and guarantee the survival of humanity.”
By Sam Roberts
Climate change is causing more fires to burn overnight, growing bigger, lasting longer and challenging the fire teams trying to control them.
By Austyn Gaffney
Melting glaciers on Peru’s highest mountain helped uncover the body of Bill Stampfl, who disappeared while climbing the mountain with two friends.
By Yan Zhuang and Mitra Taj
New restrictions are meant to reduce damage during floods. The rules were first proposed in 2016, then the Trump administration scrapped them.
By Christopher Flavelle
The company said it effectively got all of the electricity it used last year from sources that did not produce greenhouse gas emissions. Some experts have faulted the company’s calculations.
By Ivan Penn and Eli Tan
Analysts warn that the Labour Party’s proposals are unlikely to be cheap and could come at the cost of jobs in the oil and gas industry.
By Stanley Reed
Using ground-based radars, he pioneered measurement techniques that scientists now use to chart geographical changes on Earth.
By Michael S. Rosenwald
A new report estimates that the company led by Elon Musk accounted for just under half of all battery-powered vehicles sold in the second quarter of the year.
By Jack Ewing
An Oklahoma Republican who led the Environment Committee, he took hard-right stands on many issues but was especially vocal in challenging evidence of global warming.
By Robert D. McFadden
Advertisement
Advertisement