Maybe them scientists knew a thing or two about this climate thing...
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Discussion of climate, how it is changing, activism around that, the politics, and the energy systems change we need in order to stabilize things.
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Im thinking state governments will just move in and provide an insurance fund.
That's insurance of "last resort", just because a state has an insurance fund, doesn't mean the costs are anything people can pay.
Or that it's financially viable. A fire in the wrong place will wipe out the one in California, and force the state to force all the for-profit insurers to kick in money to rescue it, which will in turn result in sharply higher rates for everybody.