The escalating home insurance crisis in Hawaiʻi’.

How climate disasters and coverage gaps are straining island communities | APRIL 2026

Property insurance is a remarkable product that developed in a climate remarkable for its stability. For centuries, risks from floods or fires or hurricanes were manageable and people could settle almost anywhere. The probability of risks was stable.

As climate change accelerates, bringing more frequent and severe weather catastrophes, the insurance industry faces unprecedented challenges. Ceres 10-Point Plan for the Insurance Industry reimagines the future of insurance in our climate-changed world, offering a roadmap to resilience against escalating natural catastrophes.

Visit this government site to stay updated on national extreme weather events & learn how to access resources after climate disasters.

Farmers can use Farmdoc’s Crop Insurance Tools to manage and evaluate current and future harvests.

Access comprehensive reporting that dives into the physical and financial impacts of climate change on residential and investment properties.

See how climate change could affect your home or business property by using ClimateCheck’s free risk assessment tool.

Read a recent article about the areas where U.S. homes face the most climate risk and explore recent coverage of related topics.