Environment & Energy

1) People shouldn't live in areas that get frequent severe weather events if people want low insurance rates. Put another way, raise your hand if you want to help cover the insurance costs of some oligarch's beach front mansion.

2) Climate Change is very real, and is affecting people in a very tangible way through rapidly increasing insurance rates. I am seeing more and more Republican deflection to blaming insurance companies for skyrocketing insurance costs.

Property insurance company combined ratios ((losses + expenses)/premiums) were over 100% in 2024. Insurance companies are losing money in most markets, and getting killed in homeowners, especially in certain states like Florida and most of Texas. Every time I hear a finance MAGA claim Climate Change is a hoax, I ask them why insurance companies are not pouring into Florida to insure properties. If Climate Change is a hoax, it should be easy money, yet there are no takers.

3) NFIP (National Flood Insurance Program, i.e. federal flood insurance) loses money hand over fist, the vast majority of which goes to three red states, Florida, Louisiana and Texas. We are all subsidizing MAGAs to live in the path of hurricanes.