Spend enough time talking about climate change777club, and you’ll eventually get pulled toward this question: What would have to happen for global warming to strike most people as an urgent crisis?

There are many candidates: More extreme heat domes hitting major American cities, coupled with widespread blackouts. Extended droughts across America’s farmland, on top of the decades-long depletion of groundwater, leading to food shortages. A two-foot rise in sea levels caused by the collapse of the Thwaites glacier in Antarctica, putting entire coastal regions in the United States underwater.

Those scenarios seem a long way off to many Americans (even if they might not be). But what if the thing that will make climate change feel like a crisis to most everyone is already underway across the country? What if it’s the erosion of something entirely mundane, even a little boring, but also essential to modern life?

My colleague Mira Rojanasakul and I have spent most of this year digging into how climate shocks are hitting America’s home insurance industry. What we’ve found looks an awful lot like the early stages of a crisis.

As climate-fueled disasters get worse, home insurance is becoming a money-losing business in more of the country. Without insurance, you can’t get a mortgage; without a mortgage, most Americans can’t buy a home.

Last year, insurers lost money on homeowners coverage in 18 states, up from 12 states five years ago and eight states in 2013. Nationally, over the past decade, insurers paid out more in claims than they received in premiums, and, since 2018, more than 1.9 million home insurance contracts nationwide have been dropped.

A chart that shows an increasing number of states have lost money on homeowners insurance over the past decade.

States where homeowners

insurance was unprofitable.

2013

’14

’15

’16

’17

’18

’19

’20

’21

’22

2023

free casino slots

Colo.

Colo.

Mass.

Colo.

Calif.

Calif.

Colo.

Ala.

Colo.

Ark.

Ark.

Ga.

Iowa

R.I.

Mont.

Colo.

Colo.

Fla.

Ark.

Iowa

Ariz.

Colo.

Ill.

Ill.

S.D.

N.D.

Fla.

Conn.

Ill.

Del.

Idaho

Fla.

Ga.

Miss.

Mich.

Neb.

Ga.

D.C.

Minn.

Fla.

Ky.

Ga.

Hawaii

Mont.

Mont.

N.M.

Iowa

Fla.

Mont.

Ga.

La.

Iowa

Iowa

Neb.

Neb.

Texas

Idaho

Ga.

ND

Iowa

Mich.

Md.

Ill.

Okla.

S.D.

Wyo.

Ill.

Idaho

Neb.

Ill.

Minn.

Minn.

Ind.

S.D.

Vt.

Minn.

Md.

Wyo.

La.

Texas

Mont.

Ky.

Neb.

NC

Minn.

Neb.

Mich.

N.M.

S.D.

Miss.

N.M.

Minn.

S.D.

Va.

Ore.

Ohio

Mo.

Texas

Wyo.

S.D.

S.D.

Miss.

Tenn.

Wash.

Ohio

Utah

Wis.

Okla.

Wyo.

Tenn.

Utah

Wash.

Wis.

States where homeowners insurance was unprofitable.

2013

2014

2015

2016

She is spending far more money than he is — nearly three times more in August.

Mr. Robinson, whom Mr. Trump endorsed in March, has denied the report and vowed to stay in the race. But both parties are looking closely at the fallout, which could have a spillover effect in the presidential contest, given that North Carolina is a key battleground state that Mr. Trump won twice but that Democrats see as competitive.

2017

2018

2019

2020

2021

2022

2023

Colo.

Colo.

Mass.

Colo.

Calif.

Calif.

Colo.

Ala.

Colo.

Ark.

Ark.

Ga.

Iowa

R.I.

Mont.

Colo.

Colo.

Fla.

Ark.

Iowa

Ariz.

Colo.

Ill.

Ill.

S.D.

N.D.

Fla.

Conn.

Ill.

Del.

Idaho

Fla.

Ga.

Miss.

Mich.

Neb.

Ga.

D.C.

Minn.

Fla.

Ky.

Ga.

Hawaii

Mont.

Mont.

N.M.

Iowa

Fla.

Mont.

Ga.

La.

Iowa

Iowa

Neb.

Neb.

Texas

Idaho

Ga.

ND

Iowa

Mich.

Md.

Ill.

Okla.

S.D.

Wyo.

Ill.

Idaho

Neb.

Ill.

Minn.

Minn.

Ind.

S.D.

Vt.

Minn.

Md.

Wyo.

La.

Texas

Mont.

Ky.

Neb.

NC

Minn.

Neb.

Mich.

N.M.

S.D.

Miss.

N.M.

Minn.

S.D.

Va.

Ore.

Ohio

Mo.

Texas

Wyo.

S.D.

S.D.

Miss.

Tenn.

Wash.

Ohio

Utah

Wis.

Okla.

Wyo.

Tenn.

Utah

Wash.

Wis.

Source: AM Best

by Mira Rojanasakul/The New York Times

A map of county-level nonrenewal rates in the United States. Light yellow counties in parts of Minnesota, New York and Pennsylvania signify lower rates, while orange and dark red counties illustrate very high nonrenewal rates in parts of the Carolinas, Gulf Coast, Midwest and California.

NONRENEWAL RATES, 2023

1 in 200

1 in 100

1 in 50

1 in 25

State rate

shown

NONRENEWAL RATES, 2023

1 in 200

1 in 100

1 in 50

1 in 25

State rate

shown

Note: The state average is shown in counties with few policies reported.

Source: U.S. Senate Budget Committee

by Mira Rojanasakul/The New York Times

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