

The problem is not risk. It is cost. Climate change means that the cost maintaining human infrastructure where we built it has become higher than we want to pay. And regulators and politicians have prevented insurance companies to raise rates to match the increased cost.
Ultimately, there are 3 ways out of this:
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Move. Either have a government buy out program for at risk areas; or stop insuring new construction or substantial repairs. Your home was totalled by a hurricane for the second time this decade? Here’s your insurance payout; but don’t rebuild there because we will not insure you
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Build infrastructure to reduce costs. This could be more regionally appropriate building codes. Forest management. Waterworks. If we are willing to spend the resources, we have a surprising ability to bend local environments to our will
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Pay the increased cost.
So he’s an anchor baby? The reason we need to repeal birthright citizenship?