The insurance industry quietly rules our lives. It determines where and what we build. It’s also a linchpin of the housing market. Without it, homeowners can’t get mortgages. And without mortgages, most people can’t buy homes, and the whole housing market starts to collapse.

In this episode, we dig into Florida’s broken insurance market and what’s at stake if we don’t fix it. And we look back at Hurricane Andrew, the 1992 storm that changed the insurance industry.