Insurers continue to cancel homeowners policies across California, Texas, Louisiana, and Florida as exposure to accelerating billion-dollar disasters undermines carriers’ ability to pay out claims while remaining solvent. The industry crisis has begun to spread northward, where a widening Tornado Alley sees growing impacts from property-damaging storms.
This is a complex, all-hands-on-deck issue. Insurance practices and building standards have not adapted to the realities of climate change, and have neglected potential to be of powerful mutual support to one another. On the whole, 10X Convergence participants were clear that viable solutions will require a combination of applied climate and economic research with proactive governance and communications strategies, and that this must be matched by industry willingness to innovate its systems of underwriting and community development.
In this podcast, Ten Across journalists Maya Chari and Taylor Griffith take you through the problems and potential solutions discussed by the diverse group of experts at the 10X Convergence.
Relevant Articles and Resources
VIDEO: 10X Convergence Event Wrap Up
“It’s harder to get home insurance. That’s changing communities across the U.S.” (NPR, November 2025)
“They survived the hurricane. Their insurance company didn’t.” (Grist, November 2025)
“Insurance for Physical Climate Risk Management: Lessons from History” (Carnegie Endowment for International Peace, August 2025)
“Next to Fall: The Climate-Driven Insurance Crisis is Here—And Getting Worse” (Senate Budget Committee, December 2024)
Relevant Ten Across Conversations Podcasts
The Future of Insurability: New Approaches and Mindsets
Carolyn Kousky on Using Insurance Models to Drive Positive Change
Checking in with Dave Jones on California’s Insurance Outlook
Credits
Hosts: Maya Chari and Taylor Griffith
Producer and editor: Taylor Griffith
Music by: Out To The World, Marten Moses, Lennon Hutton, and Pearce Roswell
Research and support provided by: Duke Reiter, Kate Carefoot, Rae Ulrich, and Sabine Butler
Guest Bios (in order of appearance):
Steve Bowen is the Chief Science Officer and meteorologist at Gallagher Re.
Adam Reeder is a civil-structural engineer and principal investigator at CDM Smith.
Juliet Rogers is the president of Blue Cottage at CannonDesign.
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