Peace of Mind

For decades, U.S. homeowners have counted on property insurance to protect them from catastrophic loss if their homes are destroyed—and the U.S. economy has rested on the functionality of that model. But as this summer’s extreme weather broke records, private companies reduced th ...  Show more

It started in states like Florida and Louisiana. And, now it's spreading. The home insurance market is crumbling as climate-fueled disasters increase. Premiums are skyrocketing, and already, insurance is playing a role in determining where we can live, and who can afford to li ...

Tropical Storm Idalia is the most expensive natural disaster to hit the US this year. UBS has estimated that insurance companies in the state will be have to pay out $10 billion, but that figure could rise. This will put more pressure on insurance companies in Florida, where nine ...  Show more

Since Hurricane Ian devastated southwestern Florida last month, residents have filed a record number of insurance claims for the damage caused by the storm.

Today, Chris Flavelle, a climate reporter for The Times, discusses whether the insurance companies can survive. An ...

Across the United States, more frequent extreme weather is starting to cause the home insurance market to buckle, even for those who have paid their premiums dutifully year after year.

Christopher Flavelle, a climate reporter, discusses a Times investigation into one of ...