Climate disruptions and growing risk are upending insurance markets, leading many insurers to abandon parts of the country all together. Due to fires, floods and other extreme events, more and more homeowners are facing rapidly rising premiums or being dropped from their insurance plans altogether. Increasing numbers of homeowners are taking refuge in the state insurance plans of last resort, straining the program resources. For homeowners, whose house is often their biggest financial asset, this creates a huge financial risk.  So what should people do to evaluate climate risks and insurance availability during their housing search? And how can governments help insurers weather the increasing frequency of climate-induced disasters so they can continue to underwrite our homes? Guests: Rachel Cleetus, Senior Policy Director, Union of Concerned Scientists Claire O’Connor, Los Angeles real estate agent and homeowner Dave Jones, Director, Climate Risk Initiative at the Center for Law, Energy & the Environment, UC Berkeley  This episode also includes a news feature produced by Camryn Sanchez of KJZZ in Phoenix. Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you’ll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. For show notes and related links, visit our website. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices