Is Climate Change Driving Insurance Costs?

Are rising insurance costs really driven by climate change—or is that just the latest political narrative? In this episode, Dr. David Legates takes apart the claim that extreme weather is driving a home insurance crisis. From hurricanes and droughts to wildfires in Maui and Los Angeles, he examines the data—and the stories behind the headlines. The real drivers? Land-use changes, population growth, and poor policy decisions—not a surge in climate disasters. This episode also explores how medi...