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

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.