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 […]
Tag Archives: flood insurance
Neptune Flood IPO: Riding the Rising Tide of Climate Risk
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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Hydroclimate Whiplash: America’s Flood Disaster Signals Accelerating Climate Chaos
by Daniel Brouse July 9, 2025 Hydroclimate whiplash describes the extreme swings between severe droughts and catastrophic floods, a phenomenon intensified by climate change. Another term, Drought-Flood Abrupt Alternation (DFAA), highlights how these sudden shifts compound the vulnerability of communities already stretched thin by recurring climate disasters. In the past week alone, the United States […]
Posted in Agriculture, Business, Energy, Environment, Finance, freedom, Global Warming, Government, health and wellness, liberty, Science
Also tagged climate change, economy, insurance, real estate
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“1,000-Year Flood” Hits Chapel Hill: Another Warning Sign of a Warming World
by Daniel Brouse July 7, 2025 Yesterday, Chapel Hill, North Carolina, experienced what is being described as a “1,000-year flood event” as the remnants of Tropical Storm Chantal unleashed between 8–12 inches of rain in just a few hours. Streets turned into rivers, homes and businesses were inundated, and emergency crews conducted multiple water rescues […]
Posted in Environment, Global Warming, Science, weather
Also tagged climate change, extreme weather events, insurance
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Trump’s FEMA Cutbacks: Disaster for Homeowners or Wake-Up Call on Climate Policy?
by Daniel Brouse June 11, 2025 In a recent statement, President Donald Trump declared, “We want to wean off of FEMA, and we want to bring it down to the state level. A governor should be able to handle it, and frankly, if they can’t handle the aftermath, then maybe they shouldn’t be governor.” He […]
Posted in Business, Energy, Environment, Finance, freedom, Global Warming, Government, health and wellness, Politics, Science, Security
Also tagged economy, real estate
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Climate Risk: The Sixth ‘C’ Transforming Credit and Mortgage Markets
The First Street Foundation’s report, “Climate, the Sixth ‘C’ of Credit,” introduces climate risk as a critical factor in credit assessments, alongside the traditional five Cs: character, capacity, capital, conditions, and collateral. This addition reflects the growing impact of climate-related events on mortgage markets and financial stability. Key Findings 1. Climate Risk as a Credit […]
Posted in Business, Environment, Finance, Global Warming, Science
Also tagged climate change
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Climate Change and Policy Shifts Threaten U.S. Housing Market Stability
by Daniel Brouse February 20, 2025 Projected Devaluation of U.S. Homes Due to Climate Change Recent analyses indicate that climate change poses a significant threat to the U.S. housing market. Over the next five years, it’s projected that at least 20% of U.S. homes will experience devaluation due to climate-related impacts. In certain vulnerable markets, […]
Posted in Agriculture, Business, children, Education, Energy, Environment, Finance, freedom, Global Warming, Government, health and wellness, History, International, Law, liberty, Politics, Science, taxes
Also tagged climate change, insurance, real estate
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Climate Change’s Impact on Florida Insurance
Hurricane Milton is expected to cause over $100 billion in insurance claims, creating even more challenges for Florida homeowners in obtaining insurance. On top of that, the cost to the public and government is projected to exceed an additional $50 billion, adding to the financial strain on taxpayers and the state. Much of the damage […]
Posted in Business, Environment, Global Warming, Government, Science
Also tagged climate change, extreme weather events, insurance
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