Climate change is making extreme weather events more frequent and intense, creating areas where property insurance is becoming impossible to obtain or unaffordable due to heightened flood and fire risks.

The Conversation

Severe flooding hit the town of Czechowice-Dziedzice, Southern Poland, in September 2024.
 Ela73/Shutterstock
As climate change makes extreme weather events more intense and frequent, “uninsurable areas” are becoming increasingly common. They are a clear demonstration that insurance – the mechanism through which modern societies deal with all kinds of risk – is structurally underprepared for this new climate era.
Uninsurable areas refer to places where property insurance has become either impos