Homeowners in places most exposed to climate disasters are increasingly giving up on paying their insurance premiums, leaving them exposed to financial ruin, according to sweeping new government data.

The numbers show how climate change is eroding the underpinnings of American life by making home insurance costlier and harder to hang on to, even as wildfires, hurricanes and other calamities increasingly threaten what is, for many people, their most valuable asset.

“Homeowners’ insurance is where many Americans are now feeling the financial effect of climate change directly, in their pocketbook,” said Ethan Zindler, climate counselor at the Treasury Department. “Nature doesn’t really care whether people are living in a blue state or a red state or another state, or whether you do or don’t believe in climate change.”

The rising cancellation rates are part of a broader trend captured by the Treasury Department, which analyzed information for 246 million insurance policies issued by 330 insurers nationwide from 2018 through 2022. The result is the most comprehensive look yet at the effect of climate change on the American home insurance market.

Read it all.

More Americans, Risking Ruin, Drop Their Home Insurance https://t.co/kZjPynDbIU

— Heather Croshaw (@HeatherCroshaw) January 17, 2025

In a time of instability and uncertainty, what does God say to his people? I created you (bara), formed you (yatsar), and called you (qara). This is the very same language we read in Genesis when, in the beginning, God creates (bara) the heavens and the earth (1:1), forms (yatsar) the human from the dust of the ground (2:7), and calls (qara) the light “day” and the darkness “night” (1:5). In other words, God reminds Israel that they have quite literally been made for such a time as this.

And what kind of time is this exactly? According to Isaiah 43, it’s a time in which the people of Israel will be passing through flood waters and traversing rising rivers and navigating uncontrolled fires—each of which threatens to overwhelm them at every turn. One would think that the prophet would bring a more reassuring message, especially to a people who longed for nothing more than to go back to the stability and security they knew prior to the Exile.

But that’s not what they get. Instead, God speaks through the prophet Isaiah with this message: There is no going back to a time of stability or security or certainty. There are only cataclysmic waters and catastrophic fires ahead. In fact, for Israel, it is not a matter of if they will encounter these scenarios. It is only a matter of when.

It is therefore all the more significant that, having painted this harrowing picture of what’s to come, God still has the audacity to say, “Don’t be afraid.”

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"All we can do is mourn with those who mourn, open our homes to those who have lost everything, and hold on to the hope that God will be with us as we walk through these fires…" – Brehm's Kutter Callawayhttps://t.co/bzEuH8Wym3 pic.twitter.com/kgkLtKBOeQ

— Brehm Center (@brehmcenter) January 15, 2025

O Sovereign Lord, Creator of heaven and earth, whose mighty hand holds back the waters and commands the elements according to Your will; look with mercy upon our land now threatened by devastating fires, and stretch forth Your hand to protect Your people. Shield the brave firefighters and first responders who risk their lives in service to others, grant them wisdom and strength in their labors, and surround them with Your divine protection. Send Your refreshing rains to quench these flames, calm the winds that drive them, and preserve both life and property from destruction; through Jesus Christ our Lord, who with You and the Holy Spirit lives and reigns, one God, now and forever. Amen.

Fire Chief Stephen Freeman has lived in Bat Cave, North Carolina, for more than six decades. He’s seen severe and deadly weather events. But he’d never seen anything like the force of water that swept through the southern Appalachians in September of last year. He said he’s also experienced God’s presence and the love of God’s people in amazing ways.

“What’s happened is catastrophic,” he said. “But you can see God’s love coming in. It is so good to see God in action. Actions speak louder than words. And the love of Christ has shown through Samaritan’s Purse. They’re in it for the long haul.

“You see God’s beauty in all this instead of seeing all this destruction. Taking something that’s real bad and turning it into something good. Everything is getting better every day.”

Read it all and please take the time to watch the powerful video.

What had originally been scheduled as a fall Diocesan Men’s Hike was transformed, this past month, into a Hurricane Helene Assistance trip. Seventeen men from 11 different churches travelled to the Lutheridge Camp and Conference Center in Arden, NC, to help make it ready for them to reopen.

“We had a group that planned to go hiking,” says Les Sease, Diocesan Coordinator for Men’s Hikes, who organized the trip. “But the trails were closed so we pivoted. I’m so glad we did!”

The men travelled caravan-style on October 10, 2024 with cars, trucks and trailers full of water, gas, food and other supplies.

“While the roads were passable, Lutheridge was a mess,” says Sease. “Piles of debris lined the main road.”

Read it all.

#SouthCarolina Diocesan Men’s Group Pivots from Hiking to Relief Assistance https://t.co/YMfbQvLwFK '“It felt great to help Lutheridge out,” says [Les] Sease. “Our upcoming Men’s Conference, which will be held in February, will be there. This was a way for us to help them reopen… pic.twitter.com/3B0sK6BGEg

— Kendall Harmon (@KendallHarmon6) November 8, 2024

Hurricane Helene Relief Efforts Need Your Support
 

The Diocese continues to mobilize, providing relief to those affected by Hurricane Helene. We are working closely with ARDF to coordinate efforts. Are you willing to donate supplies or funds or volunteer in relief efforts?

Fill out the form on our website.

Read it all.

The Latest Edition of the #Anglican Diocese of #SouthCarolina Enewsletter https://t.co/N7YwW0YFAb #parishministry #religion #faith pic.twitter.com/zAvfRfVnXM

— Kendall Harmon (@KendallHarmon6) October 22, 2024

In 2022, Ian caused about $60 billion of insured losses. Milton may result in $60 billion to $75 billion of damages and losses, with some models showing the total reach as much as $150 billion, Chuck Watson, a disaster modeler at Enki Research, said in an X post.

Cat-bond investors may also take a hit from the inland flooding caused by Hurricane Helene. Moody’s RMS estimates that US private-market insured losses from Helene will be $8 billion to $14 billion.

“Helene was a one-in-a-thousand year rainfall event,” said Jonathan Schneyer, director of catastrophe response at CoreLogic Inc., a catastrophe-modeling firm in Irvine, California. “It shows the power of a hurricane further inland.”

Read it all.

Catastrophe bond investors made big profits in 2023 and narrowly dodged a payout for Hurricane Beryl. Milton will likely end that streak. The storm “could lead to one of the biggest reinsurance loss events in history” https://t.co/bZyBgbkjTc

— Amanda Kolson Hurley (@amandakhurley) October 9, 2024

Currently, a hurricane disaster that is significantly more challenging than Katrina is being serviced by something like a third of the resources that Louisiana called upon. And yet few people in Washington even think this is a problem. At the same time as Congress has borrowed another 10 or 20 billion dollars to hand over to Ukraine and Israel, presidential candidate Kamala Harris has announced that the victims of Helene will be able to apply for $750 in relief assistance to help them get back on their feet.

As Chernobyl was, Helene is now becoming: a point at which the sheer absurdity and uselessness of the machine becomes too obvious to ignore. Looking at the disaster unfolding in Appalachia, the winners of the Cold War are now starting to ask the same question that eventually brought down the Soviet Union: what the hell is even the point of all of this anymore?

Read it all.

Very thoughtful essay on the response to Hurricane Helene, likening it to the Soviet response to Chernobyl.

“As Chernobyl was, Helene is now becoming: a point at which the sheer absurdity & uselessness of the machine becomes too obvious to ignore.”https://t.co/y9PzwMpeJ2

— TheBlogMire (@theblogmire) October 8, 2024

As flooding hammered Appalachia in the aftermath of Hurricane Helene, residents became intimately familiar with a new norm in the US’s post-storm script: dams at imminent risk of failing.

Officials last week said multiple dams were on the brink, including Tennessee’s Nolichucky Dam and North Carolina’s Walters and Lake Lure dams. People in nearby communities were ordered to evacuate.

Ultimately, the dams held. But the close calls highlighted the stress on the nation’s dams, many of which are more than half a century old and none of which were designed for the higher levels of precipitation brought on by climate change.

Read it all.

American Dams Weren’t Built for Today’s Climate-Charged Rain and Floods – BNN Bloomberg https://t.co/plyeQFSzZE @americanrivers

— Aric Caplan (@Aric_Advocates) October 2, 2024

The last time they talked, Guadalupe Hernandez said her baby sister, Monica, sent her videos and photos of rising waters surrounding her as she huddled with co-workers on the back of semi truck.

Monica Hernandez, 45, was working at Impact Plastics, near the Nolichucky River, when Hurricane Helene sent a murky rush of floodwater through their small eastern Tennessee town Friday, Guadalupe, 50, said. Hang on, Guadalupe said she reassured Monica, the family was calling 911. Just let them know when she was safe, she told her.

Monica was among five Impact Plastics employees and one contractor reported missing after Helene tore through town.

It was the start of a period of agonizing limbo for Guadalupe and the families of other missing employees, who said they struggled to get information from local officials.

Read it all.

As floods recede after Helene, anguished families wait for answers https://t.co/N4PepkLXFH

— Brady Dennis (@brady_dennis) October 2, 2024

Devastating hundreds of miles from the Florida Gulf Coast to Georgia to the mountains of North Carolina, Hurricane Helene has created a complicated equation for Christian organizations that are on the frontline of disaster response.

“In my more than 20 years of disaster experience, I can’t think of a time when such a large area was at risk,” Jeff Jellets, the disaster coordinator for The Salvation Army’s work in the South, said in a statement.

Samaritan’s Purse chief operating officer Edward Graham told CT that the organization had to call in equipment and volunteers from its Canadian arm for its hurricane response and even had to adjust some of its overseas work. Just for this disaster, Samaritan’s Purse is operating in Florida, Georgia, and North Carolina.

Read it all.

Christian relief organizations, partnered with local churches, are working on bringing help to the most difficult-to-reach places in the aftermath of Hurricane Helene. @emlybelz reports: https://t.co/mEcdbaJecl

— Christianity Today (@CTmagazine) September 30, 2024

D

evastating hundreds of miles from the Florida Gulf Coast to Georgia to the mountains of North Carolina, Hurricane Helene has created a complicated equation for Christian organizations that are on the frontline of disaster response.

“In my more than 20 years of disaster experience, I can’t think of a time when such a large area was at risk,” Jeff Jellets, the disaster coordinator for The Salvation Army’s work in the South, said in a statement.

Samaritan’s Purse chief operating officer Edward Graham told CT that the organization had to call in equipment and volunteers from its Canadian arm for its hurricane response and even had to adjust some of its overseas work. Just for this disaster, Samaritan’s Purse is operating in Florida, Georgia, and North Carolina.

Read it all.

Christian relief organizations, partnered with local churches, are working on bringing help to the most difficult-to-reach places in the aftermath of Hurricane Helene. @emlybelz reports: https://t.co/mEcdbaJecl

— Christianity Today (@CTmagazine) September 30, 2024

More than 1.3 million South Carolina businesses and households were without power at one point during the storm, according to PowerOutage.US. It could take until the middle of next week for power to be fully restored across the state, said officials from Dominion Energy, Duke Energy and Santee Cooper. A final timeline for the work remained unclear, as crews had only just begun to make assessments of damage at noon Sept. 27.

Of those outages, about half were in six Upstate counties, including all 12,000 residents of Fountain Inn.

SC Dominion Energy President Keller Kissam compared the widespread outages to those caused by Hurricane Hugo in 1989. 

“Life is not gonna be back to normal until probably the middle of next week from a power standpoint, just because of the sheer damage that we have,” Kissam said.

Read it all.

At least 13 people have died across South Carolina due to Tropical Storm Helene. Here's what we know about the storm's impact in the state.https://t.co/IvuVWYNF2z

— The Post and Courier (@postandcourier) September 27, 2024

Hurricane season in South Carolina officially begins Thursday and state officials are urging residents to prepare as soon as possible. According to the South Carolina Emergency Management Division, South Carolina is one of the most vulnerable states to hurricanes and tropical storms all throughout the season, which lasts until Nov. 30.

Six coastal counties border the Atlantic Ocean. These counties have more than 200 miles of general coastline and another 21 inland counties may be directly affected by these storms. Densely populated coastal areas, especially during peak tourist seasons, coupled with the generally low coastal elevations significantly increase the state’s vulnerability.

South Carolina is expected to have a relatively normal hurricane season this year, according to the National Oceanic and Atmospheric Administration. The agency predicts between 12 and 17 storms for the 2023 Atlantic hurricane season.

Read it all.

A new hurricane season is upon South Carolina once again. Check out tips from the state’s 2023 hurricane guide on how to best prepare. https://t.co/Pbtit5gaPW

— Rock Hill Herald (@RHHerald) June 1, 2023

When the water slipped in, it was just a glimmer on the floor, a sign that it was time to go.

It was Wednesday, around noon, and Darcy Bishop roused her two brothers who had been resting after lunch. She pulled the wheelchair up to the oldest, Russell Rochow, 66, and heaved him into it before slipping his feet into black Velcro shoes.

Her other brother, Todd Rochow, 63, was in his room, changing out of pajamas. He could manage with a walker.

Both men had been born with cerebral palsy, and their mental development was like that of a young child. About 10 years ago, they started showing signs of Parkinson’s disease. But they found joy in their surroundings. Todd liked collecting cans at the beach and waiting for the mail carrier. Russell loved riding the bus and going to parks. And both had girlfriends. Ms. Bishop, 61, was their lifeline, their little sister who had long felt an obligation to keep them safe.

“We’ve got to get going!” she shouted to Todd. She went to open the door of their home in Naples, Fla. It would not budge. The weight of the water on the other side had cemented it shut.

Read it all.

As Hurricane Ian’s floodwaters rapidly rose in Naples, Florida, Darcy Bishop fought to save her disabled brothers.

This is her story. https://t.co/0Y5pbB4iHk

— The New York Times (@nytimes) October 2, 2022

Watch the whole very encouraging piece.

The National Weather Service reported five lightning strikes on the Peninsula Saturday night, and one such strike reportedly landed near the corner of Church and Market Streets. More than likely, since the location may be approximate, “near the corner” may just be the tallest landing spot in the area: the St. Philip’s steeple.

The steeple bells were damaged beyond repair, as were three of the four video cameras used for streaming and parts of the air conditioning units. But the damage was not limited to the church building itself. The electrical current reached the Ministries Hall (church office building), knocking out one desktop computer and three phones (and temporarily knocking out the entire phone system), along with some PoE (power over ethernet) ports and the network card of the production printer used for the inSPIRE and bulletin preparation.

Read it all.

The Christ Church Cathedral was arguably New Zealand’s most iconic building before much of it crumbled in an earthquake 10 years ago. The years of debate that followed over whether the ruins should be rebuilt or demolished came to symbolize the paralysis that has sometimes afflicted the broader rebuild of Christchurch.

As the city on Monday marks one decade since the quake struck, killing 185 people and upending countless more lives, there are finally signs of progress on the cathedral.

It’s being rebuilt to look much like the original that was finished in 1904, only with modern-day improvements to make it warmer and safer, even to add extra much-needed bathrooms. But first, workers must stabilize the remains.

Peter Carrell, the Anglican bishop of Christchurch, said reopening it will represent a key milestone.

Read it all.

The years of debate over whether the ruins of the Christ Church Cathedral should be rebuilt or demolished after crumbling during an earthquake came to symbolize the paralysis that has sometimes afflicted the broader rebuild of the city of Christchurch. https://t.co/8HtS2Gp2z7

— The Associated Press (@AP) February 20, 2021

Part of the problem may simply be that we get our cues from others. In a famous experiment conducted in the late 1960s, the psychologists Bibb Latané and John Darley pumped smoke into a room in which their subjects were filling in a questionnaire. When the subject was sitting alone, he or she tended to note the smoke and calmly leave to report it. When subjects were in a group of three, they were much less likely to react: each person remained passive, reassured by the passivity of the others.

As the new coronavirus spread, social cues influenced our behaviour in a similar way. Harrowing reports from China made little impact, even when it became clear that the virus had gone global. We could see the metaphorical smoke pouring out of the ventilation shaft, and yet we could also see our fellow citizens acting as though nothing was wrong: no stockpiling, no self-distancing, no Wuhan-shake greetings. Then, when the social cues finally came, we all changed our behaviour at once. At that moment, not a roll of toilet paper was to be found.

Normalcy bias and the herd instinct are not the only cognitive shortcuts that lead us astray. Another is optimism bias. Psychologists have known for half a century that people tend to be unreasonably optimistic about their chances of being the victim of a crime, a car accident or a disease, but, in 1980, the psychologist Neil Weinstein sharpened the question. Was it a case of optimism in general, a feeling that bad things rarely happened to anyone? Or perhaps it was a more egotistical optimism: a sense that while bad things happen, they don’t happen to me. Weinstein asked more than 250 students to compare themselves to other students. They were asked to ponder pleasant prospects such as a good job or a long life, and vivid risks such as an early heart attack or venereal disease. Overwhelmingly, the students felt that good things were likely to happen to them, while unpleasant fates awaited their peers.

Robert Meyer’s research, set out in The Ostrich Paradox, shows this effect in action as Hurricane Sandy loomed in 2012. He found that coastal residents were well aware of the risks of the storm; they expected even more damage than professional meteorologists did. But they were relaxed, confident that it would be other people who suffered.

Read it all.

“I nodded, believed her, did the maths in my head — 50 million dead — and went about my business. I did not sell my shares. I did not buy masks. I didn’t even stock up on spaghetti.”https://t.co/N3Q2wwwV6x

— Pablo Melchor (@pmelchor) May 11, 2020

National acts of special worship could be either particular prayers or whole church services. Until the 1850s, the services were for use on special fast or thanksgiving days. These were usually ordered by royal proclamation, for observance by the whole population. As they were often appointed for weekdays, all work was suspended as on Sundays.

In England and Wales, and in Ireland, these prayers and services involved departures from the Book of Common Prayer. New texts were supplied by special forms of prayer, long series of which are often found in parish records.

The original rationale for these occasions was provided by the conceptions of “special providences” and divine judgements, drawn especially from Old Testament examples of afflictions suffered under the kings of Israel. Dislocations in the natural world as well as in human affairs were seen as God’s punishments for the collective sins of the kingdom, to be assuaged by simultaneous penitence, petitionary prayers, and promises of repentance.

A preface in the forms of prayer used during plague epidemics in the 16th and 17th centuries declared:

We be taught by many and sundry examples of holy Scriptures, that upon occasion of particular punishments, afflictions, and perils, which God of his most just judgement has some times sent among his people to show his wrath against sin, and to call his people to repentance and to the redress of their lives: the godly have been provoked and stirred up to more fervency and diligence in prayer, fasting, and alms deeds, to a more deep consideration of their consciences, to ponder their unthankfulness and forgetfulness of God’s merciful benefits towards them, with craving of pardon for the time past, and to ask his assistance for the time to come to live more godly, and so to be defended and delivered from all further perils & dangers. . . (1563)

Read it all.

Wars, famines — and pandemics https://t.co/qb1tjsnwWj

— Church Times (@ChurchTimes) April 3, 2020

Look through them all.

20 plus pictures of #huuricaneDorian aftermath in @summervillesc https://t.co/ZrYLHW2TZP #lowcountrylife

— Kendall Harmon (@KendallHarmon6) September 6, 2019

Lost all power and the wind is whipping like crazy in @SummervilleSC; a lot of tree damage as far as the eye can see #chswx @Live5News #HurricaneDorian #weather #southcarolina #lowcountrylife pic.twitter.com/i6PXNQhJYA

— Kendall Harmon (@KendallHarmon6) September 5, 2019

8am advisory on Dorian. Still a cat 2 with 105 mph winds. Windy and wet along the Florida coastline, but conditions could be much worse from Savannah, GA north through NC as the storm gets really close to land. pic.twitter.com/sS5AUyn8dq

— Storm Alert 3 (@WRCBweather) September 4, 2019

On the morning of July 4, I left Delhi for Uttar Pradesh to report a story on India’s feverish toilet-building campaign. I was out on the street most of the day, when I noticed ink in my journal was smudged with raindrops. “The monsoon has arrived,” I noted.

The smudged page also contained a fragment of overheard conversation: “We will marry our daughter to you only if you have a foot.” It was the first line of an intriguing story I would never write, because the next day I went for a morning jog in Delhi’s beautiful Lodhi Gardens.

That is really the last thing I remember with certainty. I only learned later that I had, somehow, made my way from the gardens to New Delhi’s Golf Course Colony, several miles away.

This is where a malignant brain tumor, as yet undiagnosed, struck me down and left me thrashing on the ground.

Read it all.

At one point he was taken for dead by a mortuary crew, who toe-tagged him: “Unknown Caucasian male, age 47 and a half.” Almost 70, ⁦@rodnordland⁩ found something to cheer him up after a brain tumor was found. “Well, I could learn to love this tumor.” https://t.co/EWlnJNoVYB

— Peter Baker (@peterbakernyt) September 1, 2019

The track for Hurricane Dorian has shifted westward in the 5PM update, which will likely increase impacts in Charleston. Quick blog update: https://t.co/TlQhV8VnLT pic.twitter.com/0rwjMAlWUy

— Charleston Weather (@chswx) September 3, 2019

5PM: No major changes. Dorian is still a severe hurricane with 150 MPH max winds. The NHC track continues to indicate a too-close-for-comfort recurvature, with the closest pass Wednesday. All depends on where and when it stalls out, which is expected Monday. pic.twitter.com/Y382eUlGOh

— Charleston Weather (@chswx) August 31, 2019

For David Shorter, Thursday morning brought back a monumental memory.

He was in the seventh or eighth grade at West Ashley’s Blessed Sacrament School in the 1960s when a construction crew installed the twin spires atop the new Catholic church next door. The schoolchildren were allowed to step over the steeples before they were hoisted into place.

Of course, Shorter also remembers them being blown down by Hurricane Hugo in 1989, and the church’s brick towers have stood unadorned ever since. At least until Thursday.

Shorter was among a few dozen who gathered just outside the church to watch as a construction crew hoisted the first steeple back into place.

“I ain’t missing this for no reason,” he said. “Twice in a lifetime.”

The spectacle was so dramatic that those involved waited until after the morning rush hour on Savannah Highway, reducing the chance of causing any wrecks. Thursday’s weather was near perfect: clear skies and only the slightest breeze. But a computer glitch with a construction crane ended up delaying the lift until the lunch hour.

But by 1:20 p.m., the first one — weighing almost 3 tons — was stood up and hoisted off the ground….

Read it all.

A few dozen gathered just outside the church to watch as a construction crew hoisted the first steeple back into place.https://t.co/xzmq5NlGiL

— The Post and Courier (@postandcourier) August 2, 2019

When Cyclone Idai struck the Southeast Africa coast last week, it swept away everything in its path, including churches, schools and homes in the Mozambican port city of Beira and beyond.

By Sunday, the number of confirmed deaths caused by the storm in Mozambique, Malawi and Zimbabwe, already surpassing 700, continued to rise as churches, Christian relief organizations and agencies raced to aid the three countries most affected by the tropical storm.

After causing extensive flooding as a tropical storm, the cyclone — traveling at a speed of up to 177 kilometers (106 miles) an hour — made landfall on the Mozambican coast on March 14 and continued inland. On Saturday, agencies reported that the number of deaths had reached nearly 750 and was expected to rise in the three countries.

Last week, Mozambican President Filipe Nyusi said the number of deaths in his country could reach 1,000. Initial government estimates said nearly 1.8 million people were affected by the floods — including 900,000 children, according to UNICEF….

Read it all.