A Forecaster research draft
By Kevin L. Michel
Digital PDF edition
Money & work · COMPLETE RESEARCH DRAFT
The Weather Is in Your Mortgage
Insurance, climate risk, and the changing cost of staying put
This proposed book would make the financial side of climate exposure understandable at the household and community level. It would follow risk through insurance premiums, exclusions, rebuilding costs, lending, and local public budgets. Readers would learn which questions to ask when comparing places and policies, why historical prices can miss future pressures, and how private insurance and public backstops distribute losses. The focus would be informed judgment about uncertainty, without pretending any location is risk free.
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Contents
- The Payment That Changed
- What Your Premium Is Paying For
- The Loss You Still Carry
- Rebuilding the Same House Costs More
- The Price of Staying and the Price of Leaving
- Who Pays After the Pool Runs Short
- Before You Choose a Place
- Work That Reduces Future Damage
- When the Damage Is Already Here
- A More Secure Place to Live
The idea behind the book +
A January 2025 U.S. Treasury report found higher premiums and nonrenewal rates in ZIP codes with greater expected losses from climate-related hazards, using 2018–2022 data. Its findings connect physical risk with the cost and availability of homeowners insurance.
