Buying a home is already so expensive in America, but climate change is poised to make it much worse—even if you don’t live in the path of a hurricane. This week on How We Got Here, Max and Erin take a look at Florida to understand the thorny problem of insuring a home in a warming world. They break down how the insurance system is trying to account for ever-increasing risk, and explain why people keep moving to the places that are hardest hit by climate change.

In the aftermath of increasingly destructive natural disasters like Hurricanes Helene and Milton, politicians on both sides of the aisle have politicized the recovery effort. What fewer people are making political is the reason those storms were so destructive: warmer oceans caused by climate change. Bill Nye, the Science Guy, joins us to talk about why people should vote with the environment in mind this November.

And in headlines: Former President Donald Trump blames Ukrainian President Volodymyr Zelenskyy for Ukraine's war with Russia, A Texas state court temporarily delays an execution, Israeli officials killed Hamas leader Yahya Sinwar, and Google says it will block all political ads as soon as the polls close on November 5th.

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Polls have shown that former President Donald Trump is increasingly weak when it comes to support from women. Recent Wall Street Journal polling found that Vice President Kamala Harris has a 13 point lead over Trump among women. In an attempt to reverse those trends, Trump went on Fox News to speak to a crowd of all women where he called himself the “father of IVF.” Erin Ryan, host of Crooked’s Hysteria and the weekend edition of What A Day, joins us to debrief.

And in headlines: Democratic Representative Colin Allred dragged Republican Senator Ted Cruz during the Texas Senate race debate, Ukrainian President Volodymyr Zelensky presented his “Victory Plan” to his country’s Parliament, and an abortion rights group in Florida sued the state after Governor Ron DeSantis’ administration ordered TV stations to stop airing their pro-abortion ad.

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In a Presidential race that will be decided on the margins – there’s evidence that Vice President Kamala Harris is losing support among Black Voters and Latino Voters. Both groups still overwhelmingly support Harris, just less overwhelmingly than Democrats in the past. Journalist Paola Ramos has spent the last few years trying to understand why a growing number of Latinos seem drawn to former President Donald Trump and his far-right, nativist message. She spoke with insurrectionists, border vigilantes, a MAGA congresswoman, and others for her new book “Defectors: The Rise of the Latino Far Right and What it Means for America.”

And in headlines: Donald Trump spends 39 minutes dancing at a rally, Georgia sets records for voter turnout during early voting, the Biden administration threatens to withhold weapons funding from Israel unless they allow more humanitarian aid into Gaza, and North Carolina Lieutenant Governor Mark Robinson sues CNN for defamation.

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Vice President Kamala Harris and former president Donald Trump are working hard to earn the support of a key voting bloc this election: union voters. While most major unions have kept up the tradition of backing Democrats by endorsing Harris, two of the country’s biggest unions — the International Brotherhood of Teamsters and the International Association of Fire Fighters — opted not to endorse either candidate, citing internal divisions among their ranks. April Verrett, president of the Service Employees International Union, joins us to talk about why her union endorsed Harris, and what’s driving divisions within unions.

And in headlines: Georgia’s Republican secretary of state says local officials are prepared to fight election misinformation, A Nevada man says he’ll sue a California county sheriff who accused him of plotting to assassinate Trump, and NASA’s Europa Clipper spacecraft is on its way to Jupiter’s ocean moon.

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Vice President Kamala Harris and her running mate Tim Walz will spend this week barnstorming through the so-called “Blue Wall” states: Michigan, Pennsylvania, and Wisconsin. Between now and Saturday, the two have more than a dozen campaign events planned in the three states. While the ‘Blue Wall’ offers Democrats the best shot at winning the White House, the Harris campaign’s slate of stops there this week also reflects the party’s growing unease as the presidential race tightens. All three states also feature major Senate races that Democrats need to win for the party to hold onto its majority. Wisconsin Sen. Tammy Baldwin joins us to talk about her race and what the party needs to do to win these battleground states.

And in headlines: The Pentagon announced plans to send an anti-missile defense system to Israel, Republican Vice Presidential Candidate J.D. Vance still won’t say Trump lost the 2020 election, and a Las Vegas man was arrested outside former President Donald Trump’s rally in California's Coachella Valley.

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Jill Stein may not be polling high, but in several states she’s poised to bring in more votes than the margin of error between Harris and Trump. Her campaign events tout that they could cost Harris key states like Michigan, and thus the election. Is this what she wants? A closer look at Stein’s 20 years in politics reveals the Green Party candidate has had little success in elevating left-wing positions, and many of her stances—including a ceasefire in Gaza—aren’t nearly as clear cut as they seem. What’s more, Stein’s presidential runs have been aided and funded by a slew of Trump lawyers and Republican consultants. What’s her game plan here? Is she going to spoil this election? How many metaphors will Max and Erin deploy to describe her hypocrisy? Listen to this week’s “How We Got Here” to find out.

People in Florida are assessing the damage caused by Hurricane Milton. The storm made landfall late Wednesday as a Category 3 storm just south of Tampa, dropping up to 18 inches of rain overnight. As of late Thursday, around 3 million people in the state were still without power. At least 12 people died, though that number is expected to increase as rescue efforts continue. Hurricane recovery — both from Milton and Helene — is happening right alongside the 2024 election, conspiracy theories and all. Longtime D.C. reporter and friend of the pod Todd Zwillich joins us to talk about how the disinformation from the MAGA-verse is an operating feature of the movement. 

Later, Shaniqua McClendon, head of Crooked’s partner organization Vote Save America, talks about important down-ballot and state legislature races.

And in headlines: Former President Barack Obama campaigned for Vice President Kamala Harris in Pittsburgh, Harris committed to a CNN town hall event with undecided Pennsylvania voters, and a federal judge set a date for the sex trafficking trial against rapper Sean ‘Diddy’ Combs.

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Hurricane Milton made landfall Wednesday night along Florida’s Gulf Coast as a Category 3 storm. It’s expected to be one of the most powerful hurricanes to hit the U.S. in more than 100 years, with sustained winds of over 120 miles an hour. As Milton moved closer to shore Wednesday, strong inland winds triggered tornado warnings across parts of Florida, and at least one tornado was reported near Fort Myers. WAD’s own Josie Duffy Rice got in contact with two friends who evacuated from western Florida ahead of the storm. 

Later in the show, Abrahm Lustgarten, climate reporter for ProPublica and author of the book ‘On the Move: The Overheating Earth and the Uprooting of America,’ talks about the ways climate change is reshaping how — and where — we live.

And in headlines: Vice presidential candidates Tim Walz and J.D. Vance rallied supporters in Arizona, X is relaunching in Brazil, and New York’s Metropolitan Museum of Art announced the theme for the 2025 Met Gala exhibition.

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In Texas, Democratic Congressman Colin Allred is making Republican Ted Cruz work hard to keep his Senate seat, with polls showing the race within three percentage points. Cruz’s campaign seems to think the best strategy for winning re-election is to lean into anti-trans messaging. Semafor politics reporter Dave Weigel joins us from the campaign trail in Texas to talk about how Cruz and other Republicans are leaning into anti-trans fearmongering this election cycle. 

Later, Grace Panetta, political reporter for The 19th, talks about how voter ID laws make it more difficult for trans people to vote.

And in headlines: Hurricane Milton is expected to make landfall as soon as tonight, former President Donald Trump has reportedly spoken with Russian President Vladimir Putin ‘as many as seven’ times since leaving office, and the Supreme Court flirts with putting restrictions on one specific type of gun.

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