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      Table of Contents

      1. Overview
      2. How does Climate Change Affect the Risk of Property Damage?
      3. How are Insurance Companies Responding to Increased Climate Risk?
      4. Hotspots of Risk: States Facing Insurance Challenges
      5. What Happens When Private Insurance Companies Stop Offering Insurance?
      6. Does Where and How We Build Contribute to the Risk?
      7. Are There Solutions to Reduce Risks and Losses from Climate Change?
      8. How Can Property Owners Prepare for Climate Change's Impact on Insurance?
      9. Sources

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      4. Understanding the Impact of Climate Change on U.S. Property Insurance

      Understanding the Impact of Climate Change on U.S. Property Insurance

      How does climate change affect property risk and access to insurance? New extremes from climate change, including more rainfall, stronger winds, rising sea levels, and higher temperatures, are increasing property risk and making it difficult for insurers to predict risk.

      AB

      Aaron Baker

      Jul 24, 2024 • Updated Jun 20, 2025 • 5 min read
      Business Insights
      Understanding the Impact of Climate Change on U.S. Property Insurance

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