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Climate change makes it hard to insure homes in US

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HEADLINE: Insurers Drop Homeowners Over Climate Risks
CAPTION: The home of Richard D. Zimmel on the outskirts of Silver City, N.M., on Tuesday, Dec. 10, 2024. Without insurance, it’s impossible to get a mortgage; without a mortgage, most Americans can’t buy a home. 
CREDIT: (Paul Ratje/The New York Times)

The home of Richard D. Zimmel on the outskirts of Silver City, New Mexico, on Dec 10.

PHOTO: NYTIMES

Christopher Flavelle and Mira Rojanasakul

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The insurance crisis spreading across the US arrived at Mr Richard D. Zimmel’s door in December in the form of a letter.

Mr Zimmel, who lives in the increasingly fire-prone hills outside Silver City, New Mexico, had done everything right.

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