Insurance companies are not climate activists, but they know more about climate risk than just about anyone. And as storms get more extreme and unpredictable a lot of insurers are running the numbers on Florida and realizing that the math just isn’t working anymore. For decades, low cost insurance helped mask the risks of living in some of the riskiest parts of the country. However a climate correction is now underway. Prices are skyrocketing. And on America’s riskiest peninsula, residents are beginning to feel climate change where it hurts—in their bank accounts.

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