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Is the world becoming uninsurable?

(charleshughsmith.substack.com)
476 points spking | 2 comments | 17 Jan 25 00:32 UTC | HN request time: 0s | source
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tobyhinloopen ◴[17 Jan 25 07:13 UTC] No.42734903[source]▶
American, living in area prone to natural disasters: "Is the WHOLE WORLD becoming uninsurable?"

The answer is obviously "no" since there are other parts of the world that don't live on a hurricane highway nor build houses made from firewood in an area prone to wildfires.

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mtalantikite ◴[17 Jan 25 15:50 UTC] No.42738961[source]▶
One thing I haven't seen mentioned in here is the ornamental planting of non-native plants all over LA, like eucalyptus which is highly flammable, as opposed to the native coastal oak, which is not. All those iconic, non-native palm trees are fire hazards.
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1. doug_durham ◴[17 Jan 25 16:20 UTC] No.42739550[source]▶
That's because that wasn't a material effect in this situation. It was hurricane force winds blowing over native shrubs and scrub land. It wasn't forests of eucalyptus that caused this. California has a decades long effort to restore native plants in areas. Eucalyptus groves are being torn out. The problem is that the native shrubs and grass are pretty flammable. They evolved to burn and regrow. They aren't resistant.
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2. mtalantikite ◴[17 Jan 25 17:23 UTC] No.42740714[source]▶
For sure, they're not fireproof of course, but they do survive and seem to be more resistant than non-native species [1].

And, like all things, of course there are many interdependent pieces in play, like those hurricane force winds, but oak trees don't burn the same as a palm [2]. I just keep seeing that viral video of a firefighter trying to put out a palm while a guy escaped his house on a bike -- it was shedding embers like crazy. [3]

[1] pdf warning: https://www.fs.usda.gov/psw/publications/documents/psw_gtr21...

[2] https://abcnews.go.com/US/elderly-couple-battles-flames-la-f...

[3] https://www.nbclosangeles.com/news/california-wildfires/pali...