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:
How much each change to the atmosphere has warmed the world:
Recommended actions to cut greenhouse gas emissions in the near future:
Anti-science, inactivism, and unsupported conspiracy theories are not ok here.
Of course it will. While everyone is busy trying to prevent usa's orange clown from destroying the world, no nation cares about climate change. In a couple years, the climate refugee crisis will begin, it will be something like we've never seen before, mark my words.
This is indeed the biggest near term cost/impact of global warming. Sea level rise is a mostly slow process, though that too will show up in insurance rates before property is condemned. Much of the slash and burn to federal agencies is simply downloading costs towards states, municipalities, and private insurance. It is not societal savings, in addition to eliminating generally useful functions that cost more if duplicated at each state level.
And something similar is happening with cars. Flooding, wildfire, storms and affordable car insurance do not mix well.
So, what's the bad news?
That is just the beginning. The endpoints of the global warming feedback loops is the end of most life on Earth. But sure, focus on the money, that's where America's nerve endings all are.
Money money money power, all the way to extinction.
Insurers take the first hit, but pass those costs to homeowners
Isn't it the whole point of insurance? Spread the cost of reconstruction over a large number of people, over some period of time.
If climate change frequently destroy a large part of homes in an area, then living there won't be viable, with or without insurance.