In the 1990s, what was considered a 500-year flood was expected to occur, on average, once every five centuries. By the early 2000s, many of those same events were being reclassified as 100-year floods. By the 2020s, they increasingly resembled 10-year floods. Today, in some regions, comparable flood events are occurring every few years. The […]
Tag Archives: flood insurance
The Climate Discount: Underestimating the Decline in Real Estate Values
Nonlinear Acceleration, Cascading Feedbacks, and the Compression of Climate Time Daniel Brouse¹ and Sidd Mukherjee²March 11, 2026 ¹Independent Climate Researcher, Economist²Physicist Abstract Recent observations across multiple climate indicators confirm that the impacts of global warming are accelerating at a nonlinear rate. We revisit the Nonlinear Acceleration Hypothesis, originally proposed in the early 1990s, which posits […]
Posted in Business, Environment, Finance, Global Warming, Science, weather
Also tagged climate change, economy
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Florida at the Front Line: How Accelerating Sea-Level Rise Is Reshaping the State in Real Time
by Daniel Brouse December 5, 2025 Florida faces a long list of climate-driven threats — extreme heat, stronger hurricanes, toxic algal blooms, and collapsing insurance markets — but accelerating sea-level rise (SLR) sits at the center of nearly all of them. Although the current rise of a few millimeters per year may sound trivial, the […]
Posted in Agriculture, Business, Education, Energy, Environment, Finance, freedom, Global Warming, Government, health and wellness, liberty, Politics, Science, Society, weather
Also tagged climate change, economy, insurance, rising sea levels
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Climate-Accelerated Flooding in Delaware and Chester Counties: The Brandywine Creek Threat
by Daniel Brouse December 2, 2025 Mapping by the U.S. Geological Survey (USGS) highlights Brandywine Creek, the Christina Basin, and multiple watersheds across Delaware County as major flood-risk zones—an assessment that aligns with the region’s accelerating exposure to extreme weather. The USGS flood inundation maps show that the Brandywine is especially prone to rapid rises […]
Posted in Agriculture, Energy, Environment, Global Warming, Science, Trees, weather
Also tagged climate change, extreme weather events
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Flooding at Coastal Sites That Use and Produce Hazardous Substances
Sea level rise and flooding of hazardous sites in marginalized communities across the United States Published in Nature / 20 November 2025 Sea level rise (SLR) increases the risk of flooding at coastal sites that use and produce hazardous substances. We assess whether socially marginalized populations in the United States are more likely to be […]
Posted in Agriculture, Energy, Environment, Global Warming, Science
Also tagged climate change, extreme weather events, sea level rising
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Trump’s Socialism Irony: The “Flee to Florida” Fantasy Meets Climate Reality
Donald Trump recently warned that New Yorkers would “flee to Florida” after Zohran Mamdani’s electoral win — a comment loaded with irony so deep it borders on parody. Because here’s the reality: Florida is the first U.S. state to effectively socialize its homeowner’s insurance system. The state government, through taxpayer-backed programs, now functions as the […]
Posted in Environment, Finance, freedom, Global Warming, Government, liberty, Politics, Science, Security, Society, taxes
Also tagged climate change, economy, insurance
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Neptune Flood IPO: Riding the Rising Tide of Climate Risk
by Daniel Brouse October 1, 2025 Neptune Flood, the largest private flood insurance company in the U.S., went public today, October 1, 2025, with its initial public offering (IPO) on the New York Stock Exchange under the ticker symbol “NP.” The St. Petersburg, Florida-based company raised $368 million by selling over 18 million shares at […]
Posted in Business, Finance, Global Warming, Science, Security
Also tagged climate change, economy, insurance, real estate
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Cape Coral’s Collapse: How Climate Risk and Insurance Costs Broke Florida’s Hottest Housing Market
by Daniel Brouse August 21, 2025 Cape Coral, Florida, has gone from one of the fastest-rising housing markets in the country to arguably the worst real estate market in the United States. During the early years of the pandemic, the city experienced a frenzy of demand. Median home prices skyrocketed nearly 75% in just three […]
Posted in Business, Environment, Finance, Global Warming, Science
Also tagged climate change, insurance, real estate
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Climate-Fueled Insurance and Tax Hikes Are Driving Mortgage Delinquencies
by Daniel BrouseJuly 21, 2025 Mortgage delinquencies are climbing across the United States, with southern states like Florida, Georgia, and South Carolina facing the steepest increases. A major driver? Escrow payments — which cover property taxes and insurance premiums — have surged by 62% nationally over the last five years, a spike fueled largely by […]
Posted in Business, Environment, Finance, freedom, Global Warming, Government, liberty, Politics, Science, taxes
Also tagged climate change, economy, insurance, real estate
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Climate Change, Capitalism, and the Collapse of Insurance: California as a Case Study
by Daniel BrouseJuly 19, 2025 California offers a stark preview of what to expect as the U.S. property insurance market begins to unravel under the weight of climate change. Insurers continue to withdraw from wildfire-prone and flood-prone areas, despite recent policy efforts aimed at stabilizing the market. The January 2025 Los Angeles wildfires alone generated […]
Posted in Agriculture, Business, Education, Energy, Environment, Finance, freedom, Global Warming, Government, health and wellness, Law, Politics, Science, Security, taxes, Trees, weather
Also tagged climate change, economy, insurance
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