Climate change is becoming an insurance crisis

By Meilan Yan, Senior Lecturer in Financial Economics, Loughborough University
Qiuhua Liang, Professor of Water Engineering, Loughborough University

Imagine waking up to find your living room underwater for the second time in five years. You try to claim insurance, only to be told your property is now uninsurable. Premiums have tripled. Your mortgage lender is concerned. And your biggest asset, your home, is rapidly losing value.

This isn’t just a personal disaster. It’s a warning sign of a much broader crisis.

The risks associated with climate change are breaking the insurance industry. In the past decade alone, flood frequency has increased…

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