Umair Irfan, a Vox correspondent, joins Joe Scuba, an insurance executive from New Orleans, and Carolyn Kuski from the Environmental Defense Fund, to explore the crisis in the insurance industry amid climate change. They discuss soaring premiums and the emotional toll on homeowners as properties become uninsurable. The conversation highlights the outdated risk models used by insurers, the dire need for policy reforms, and the potential for the insurance sector to invest in sustainable practices, offering a glimmer of hope amid the storm.