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 The conversation highlights the outdated risk models used by insurers, the dire need for policy reforms, and the potential for the insurance sector to invest in sustainable practices, offering a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.

Vox producer Marin Cogan and climate change expert Umair Irfan discuss the allure of Florida despite climate change concerns, exploring its unique economic, political, and cultural trends. They explore the challenges the state faces with rising property taxes and coastal development, but also highlight the resilience of Florida and the importance of adapting to climate change. The podcast also touches on the population changes in Miami, its development efforts, and the debate surrounding building in the city amidst climate change concerns.

Umair Irfan, a senior correspondent at Vox, discusses the alarming absence of leaders from the world's top polluting nations at the UN climate conference in Azerbaijan. He highlights the urgent need for wealthier countries to support developing nations affected by climate change. Irfan also sheds light on the concerning spike in walking pneumonia cases among young children, sharing insights on transmission and health guidelines to keep families safe. Plus, he touches on rising alcohol consumption trends and fascinating discoveries in ancient ecosystems.

Two insurance giants will stop issuing new policies for California homes. CalMatters reporter Ben Christopher and Vox’s Umair Irfan say insurers have determined what homeowners refuse to accept: Climate change has made some parts of the country too risky to live in.This episode was produced by Avishay Artsy, edited by Matt Collette, fact-checked by Laura Bullard, engineered by Michael Raphael, and hosted by Noel King.Transcript at vox.com/todayexplainedSupport Today, Explained by making a financial contribution to Vox! bit.ly/givepodcasts Learn more about your ad choices. Visit podcastchoices.com/adchoices

Umair Irfan, a science correspondent at Vox specializing in climate change and environmental issues, joins the discussion. They delve into the recent wildfires ravaging Los Angeles, primarily driven by powerful Santa Ana winds and dry conditions. Umair sheds light on the climatic factors fueling these fires and their devastating effects on local communities. The conversation also touches on broader topics of extreme weather patterns, emphasizing the interplay of climate change and public health challenges.