by Daniel Brouse Climate change is fundamentally destabilizing insurance markets by driving increasingly severe financial losses, pushing premiums sharply higher, and causing insurers to reduce or withdraw coverage in some high-risk regions. As extreme weather events become more frequent and, in many cases, more intense, traditional underwriting models are being challenged by rapidly changing risk. […]
Tag Archives: real estate
Climate Change and the Global Insurance Crisis: Rising Losses, Retreating Insurers, and the Growing Protection Gap
Posted in Business, Energy, Environment, Finance, Global Warming, Science
Also tagged climate change, insurance
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Consumer Solar Panels
Michigan State University’s technology sounds amazing because it can turn almost any window into a power generator. However, there’s an inherent trade-off: allowing light to pass through the window means not absorbing the visible energy needed to generate electricity, which limits energy efficiency. What may be even more promising are “balcony” solar panels. These systems […]
Posted in Business, Energy, Environment, Global Warming, Government, Science
Also tagged climate change
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Living Shades: Nature’s Window Insulation
DIY Climate Control: Save Money, Reduce Waste, and Cut Greenhouse Gas Emissions by Daniel Brouse One of the simplest and most affordable ways to improve your home’s energy efficiency is to create living shades. Instead of installing traditional curtains or blinds, mount a sturdy black iron pipe above each window and suspend a collection of […]
Posted in Business, Energy, Environment, Global Warming, Science
Also tagged climate change, economy
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Climate Change and Personal Finances: Managing Household Costs in an Era of Rising Climate Risk
by Daniel Brouse 🌎 Climate Change and Personal Finances: The Rising Cost of a Changing Climate Climate change is no longer only an environmental challenge—it is becoming a growing financial challenge for households everywhere. While headline inflation may appear moderate, the costs most affected by climate change are rising faster than many household incomes. 🔥 […]
Posted in Business, Energy, Finance, Global Warming, Science
Also tagged climate change, economy
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Climate Change and Water Rights: When Water Becomes More Valuable Than Land
By Daniel Brouse Climate change is making water security impossible to ignore. You don’t need a scientific report to see it—just look out your window. Floods, droughts, shrinking reservoirs, and increasing competition for freshwater are becoming part of everyday life. Back in the 1990s, we warned that one day there would be “water wars.” We […]
Posted in Business, Environment, Global Warming, Government
Also tagged climate change, economy
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Climate Change and Financial Liquidity
A Capital Preservation Strategy for an Uncertain Future By Daniel Brouse Introduction: Avoid the Minsky Moment A “Minsky Moment” refers to a sudden, major collapse of asset prices following a long period of market growth and speculative risk-taking. Named after American economist Hyman Minsky and coined by Paul McCulley of PIMCO in 1998, the concept […]
Posted in Business, Energy, Environment, Finance, Global Warming
Also tagged climate change
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Financial Survival 101: Liquidity, Capital Preservation & Long-Term Strategy
Preparing for Economic Uncertainty Without Panic By Daniel Brouse Capital Preservation Is Survival Rule #1 Capital preservation has always been a cornerstone of sound financial planning. In periods of heightened economic uncertainty, however, it becomes the overriding priority. The goal is not to maximize returns at all costs. It is to ensure that you retain […]
All Real Estate Is Vulnerable to Climate Change
Understanding the Physical, Financial, and Market Risks Facing Property Owners For generations, real estate has been viewed as one of the safest long-term investments. Land cannot be manufactured, buildings can be improved, and population growth has historically supported rising property values. Climate change is altering many of the assumptions that have underpinned real estate markets […]
Posted in Business, Environment, Finance, Global Warming, Science, Society
Also tagged climate change, economy
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Extreme Energy Event: Violent Rain
“Climate change is increasing the amount of energy violent rain events contain, amplifying how much damage they can inflict.” The physics of wind and rain are important to understand: their destructive force increases nonlinearly with velocity and is further amplified by density and mass. Even relatively small increases in wind speed or rainfall intensity can […]
Posted in Business, Environment, Finance, Global Warming, Science, Uncategorized, weather
Also tagged climate change
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Climate Risk, Denial, and the Return of Negative Equity in U.S. Housing Markets
by Daniel Brouse Abstract As of late 2025 and early 2026, negative equity—homes worth less than the outstanding mortgage—has reached its highest level since early 2018. While national averages remain relatively modest, localized distress is accelerating in several rapidly expanded Sunbelt markets. The primary drivers are declining property values in high climate-risk regions, surging insurance costs, […]
Posted in Business, Energy, Environment, Finance, Global Warming, Government, health and wellness, Politics, Science, Security, Society, taxes, weather
Also tagged climate change, economy
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