Category Archives: Government

Cost of Property Insurance in Florida

Florida Politics reports in their article, As climate in Florida sets ‘new normal,’ cost of property insurance will separate haves, have-nots: “Insurers believe that due to climate change, this is the new normal. They’re finding that catastrophic and non-catastrophic weather events are increasing in severity every year,” said Paul Handerhan, president of the Federal Association […]

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Homeowners Insurance and Extreme Weather Events

Homeonwers insurance is becoming more expensive or even unavailable due to the increase frequency and intensity of extreme weather events caused by climate change. NOLA newspapers reports: Louisiana’s homeowners insurance market straining under weight of 600,000 claims Two active Atlantic hurricane seasons in a row have made some insurers insolvent. It’s the latest sign of […]

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Climate Change: Adapt or Die

United Nations Press Release — UN scientists on Monday delivered a stark warning about the impact of climate change on people and the planet, saying that ecosystem collapse, species extinction, deadly heatwaves and floods are among the “unavoidable multiple climate hazards” the world will face over the next two decades due to global warming. UN-IPCC-Climate-Change-March-2022 […]

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The Cost of Flood Insurance

An article in the New York Times entitled The Cost of Insuring Expensive Waterfront Homes Is About to Skyrocket states, “Federal officials say the goal is fairness — and also getting homeowners to understand the extent of the risk they face, and perhaps move to safer ground, reducing the human and financial toll of disasters.” […]

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National Flood Insurance Program Increasing Rates

FEMA is updating the National Flood Insurance Program’s (NFIP) risk rating methodology through the implementation of a new pricing methodology called Risk Rating 2.0. The methodology leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are actuarily sound, equitable, easier to understand and better reflect a property’s flood risk. The […]

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The Federal Reserve, the Treasury, and You

We were talking about a graph of the record high stock market… and, I said: You definitely need to keep this graph with it… the main reason the stock market is at this level is because the Federal Reserve has been buying stocks and bonds… lots of them. (That’s over 7 trillion pictured in the […]

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Daniel Brouse: About the Author

Q: Any background on membrane .com? A: In 1994, I started a publishing company with another scientist (low temperature physicist and co-builder of the Ohio States supercomputer). The name of the publishing company is The Philadelphia Spirit Experiment. As the name suggests, it is a scientific experiment in the publishing of arts and science. At […]

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Assessing Climate Risk

The LA Times reports,”The municipal bond market looks to satellites to help assess climate risk” The $3.8-trillion municipal-bond market has found a new tool in its effort to understand the effects of climate change: satellites orbiting Earth. Assessing climate risks is a particularly vexing problem given that U.S. state and local governments tend to give […]

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Need to Prepare for Millions of Climate Change Refugees

World needs to prepare for ‘millions’ of climate displaced: U.N. January 21, 2020 Reuters reported: DAVOS, Switzerland (Reuters) – The world needs to prepare for millions of people being driven from their homes by the impact of climate change, the United Nations High Commissioner for Refugees. Speaking to Reuters at the World Economic Forum, Filippo […]

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The True Costs (and Benefitlessness) of a Trump Economy

January 23, 2020 What are the costs and benefits to the United States under a Trump economy? Financial Analysis: Current State of Affairs First, start with a financial analysis — a snapshot of the current economic health of the nation. What would a financial analysis that is similar to an individual applying for a bank […]

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