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Is the world becoming uninsurable?

(charleshughsmith.substack.com)
478 points spking | 1 comments | 17 Jan 25 00:32 UTC | HN request time: 0s | source
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Animats ◴[17 Jan 25 04:28 UTC] No.42734092[source]▶
Not uninsurable, but buildings are going to have to become tougher.

It's happened before. Chicago's reaction to the Great Fire was simple - no more building wooden houses. Chicago went all brick. Still is, mostly.

The trouble is, brick isn't earthquake resistant. Not without steel reinforcement.

I live in a house built of cinder block filled with concrete reinforced with steel. A commercial builder built this as his personal residence in 1950. The walls look like a commercial building. The outside is just painted cinder block. Works fine, survived the 1989 earthquake without damage, low maintenance. It's not what most people want today in the US.

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_tariky ◴[17 Jan 25 06:24 UTC] No.42734644[source]▶
In Yugoslavia, in 1969, one of the biggest earthquakes occurred, destroying several cities. After that, the country’s leaders decided to change building codes. Even today, although Yugoslavia no longer exists, the countries that adopted those codes have homes capable of withstanding earthquakes up to 7.5 on the Richter scale.

My main point is that if we face major natural disasters, we need to take action to mitigate their impact in the future. As a foreigner, it seems to me that Americans prioritize building cheap homes over constructing better and more resilient ones.

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johnisgood ◴[17 Jan 25 07:30 UTC] No.42734965[source]▶
Yeah, I'm surprised that the damages of the LA fire occurred, because it was known beforehand that California had a fire problem (and also have an earthquake problem I think).

I'm here in Eastern Europe and our buildings can withstand a lot of things.

> we need to take action to mitigate their impact in the future. As a foreigner, it seems to me that Americans prioritize building cheap homes over constructing better and more resilient ones.

As an European, it baffles me as well.

If this doesn't happen to "cheap" homes here, why does it happen in California, to rich people's houses?

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wakawaka28 ◴[17 Jan 25 07:46 UTC] No.42735037[source]▶
The fire problem can be managed by burning or removing some of the dead wood, and building adequate water storage. Apparently California has been neglecting those two problems for decades.
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jyounker ◴[17 Jan 25 12:39 UTC] No.42736901[source]▶
The problem is the houses.

In lots of pictures from LA, there are green trees right beside burned out houses. The video in this NYT article is a great example: https://www.nytimes.com/live/2025/01/15/us/los-angeles-wildf...

One of the biggest problems are vents in the eves. Typically these vents have a single screen with a coarse mesh. Embers from fires easily pass through these vents, land on a surface, and start a fire.

Replacing the one coarse mesh with two or more layers of fine mesh significantly reduces the odds of an ember getting into the house.

This is a trivial improvement that dramatically increases survivability.

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1. wakawaka28 ◴[17 Jan 25 13:36 UTC] No.42737363[source]▶
The real problem is the FIRE. The houses could be made fire-resistant, but making houses to be fire-resistant is going to be more expensive than managing the forests to reduce wildfires and storing more water. I don't believe that a tiny screen is going to make this huge difference you think it is. These fires are HOT and don't just catch houses on fire with little embers. They are hot enough to set wood and plastic on fire from a pretty good distance away. Green trees don't easily burn because of their high water content. Trees have evolved to survive fires as well.