i wrote an article for time expecting that the insurance industry would be a white night in the climate story, because they live and die by pricing risk appropriately. But what i didn't realize then was the incredible momentum, again, to keep writing policies. The underprising risk has led millions to move into areas that are most at risk of climate change,. not just the fire zones in the west, but the flood zones on the coast. A lot of home owners can only get the bare bones, a back stop from the fair programme, sthe california insurance o back stop insurance programme. You can't get a mortgage without fire insurance. And if you can't get fire insuranceor you