Home Insurance Getting Hairy.

Home insurance companies are leaving customers out in the cold as natural disasters are more common and costly. (New York Times)

“The map of dropped policies shows how the crisis in the American home insurance market has spread beyond well-known problems in Florida and California. The jump in nonrenewals now extends along the Gulf Coast, through Alabama and Mississippi; up the Atlantic seaboard, through the Carolinas, Virginia and into southern New England; inland, to parts of the plains and Intermountain West; and even as far as Hawaii.

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— Christopher Flavelle reported from Silver City, N.M. Data analysis and graphics by Mira Rojanasakul. Photography and video by Paul Ratje for The New York Times.

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Climate change continues unabated with stronger storms and higher temperatures. Some low lying hurricane prone areas like all of Florida, Houston and new Orleans may become uninsurable as insurance company losses continue to mount. The insurance conundrum is no longer confined to some of the usual areas mentioned above but is now creeping into interior parts of the country that have not previously experienced this phenomenon. No easy solution awaits the next administration and this hits squarely at the middle class who can’t afford to sustain loss without insurance.