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Climate change makes it hard to insure homes in US
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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.

