Hurricane Beryl just battered its way through the Caribbean, the most powerful recorded in the Atlantic this early in the season. Extreme weather caused by climate change is worsening, evidenced by stronger and more frequent natural disasters. From thunderstorms to typhoons, dust storms to wildfires, insurance premiums for homes and businesses in high-risk areas are skyrocketing. In some cases, the government's ‘insurer of last resort’ option is the only policy available to homeowners as insurance companies refuse to renew policies. Yet some of the most high-risk locations are the very same that attract people, demonstrated by burgeoning population growth in Florida and Texas. Michael and Kimberly consider the implications of the damage done by storms and where responsibility lies.

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