Fire and flood: How home insurance can help us adapt to climate change

Allowing home insurance premiums to adjust and increase to more accurately reflect the risks of homes vulnerable to climate change impacts will help us adapt to a warming world.

Australia is a harsh and volatile environment, subject to extremes of fire and flood. We’ve just seen a particularly early start to the bushfire season, with over 60 fires burning and at least two homes destroyed in Sydney. These fires match predictions of increasingly long fire seasons, and trends towards higher temperatures and decreased rainfall.

Every natural disaster raises the issue of home insurance – who pays, and who doesn’t have it. But this discussion misses what’s really going on.

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