this post was submitted on 10 Dec 2025
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California

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badbrainstorm@lemmy.world
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Home insurance costs are up 150% in one part of California. This map shows premiums by county (www.sfchronicle.com)
submitted 2 days ago by silence7@slrpnk.net to c/california@lemmy.world
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Climate change is making insuring homes more risky — and more expensive. And in neighborhoods where that risk is the greatest, higher insurance costs are starting to eat into property values as well.

Main link is a gift link, though some people are asked to register. Not providing an archive.is link because Hearst lawyers don't like that.

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[–] mesamunefire@piefed.social 2 points 2 days ago (1 children)

I wonder what it would take for neighbors to get together and make a collective that could insure themselves. Or at least get collective bargaining. Thats what the school teachers of California did.

[–] silence7@slrpnk.net 1 points 2 days ago

The problem with that approach is that insurance works when one member of the group loses a house to fire. It doesn't work when the whole community burns down.

What you can do is have local government conduct risk reduction, which means like things like requiring building improvements, zone zero, and fuel reduction in surrounding areas.