this post was submitted on 03 Feb 2025
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Discussion of climate, how it is changing, activism around that, the politics, and the energy systems change we need in order to stabilize things.

As a starting point, the burning of fossil fuels, and to a lesser extent deforestation and release of methane are responsible for the warming in recent decades: Graph of temperature as observed with significant warming, and simulated without added greenhouse gases and other anthropogentic changes, which shows no significant warming

How much each change to the atmosphere has warmed the world: IPCC AR6 Figure 2 - Thee bar charts: first chart: how much each gas has warmed the world. About 1C of total warming. Second chart: about 1.5C of total warming from well-mixed greenhouse gases, offset by 0.4C of cooling from aerosols and negligible influence from changes to solar output, volcanoes, and internal variability. Third chart: about 1.25C of warming from CO2, 0.5C from methane, and a bunch more in small quantities from other gases. About 0.5C of cooling with large error bars from SO2.

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That Giant Sucking Sound? It’s Climate Change Devouring Your Home’s Value. (www.nytimes.com)
submitted 22 hours ago by [email protected] to c/[email protected]
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[–] [email protected] 4 points 13 hours ago* (last edited 12 hours ago)

This isn't insurance companies, the LA fires alone cost $250 billion, ~the gdp of new Zealand. Even if we abolished insurance companies someone's gotta pay for that. In that vein a lot of insurance companies are abolishing themselves, either going under or just leaving the state because Californiais a net loss to most companies, not a profit. So more people go on state insurance which is very expensive, not because the state is "r*ping you" but because it's a pool of houses highly likely to be burned down or flooded in the next decade and you have to have high premiums to cover that.

The problem is climate change and the increasing disasters it's causing. The article even says that premiums are still too low to account for this.

First Street found that today, insurance underprices climate risk for 39 million properties across the continental United States — meaning that for 27% of properties in the country, premiums are too low to cover their climate exposure.