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Is the world becoming uninsurable?

(charleshughsmith.substack.com)
478 points spking | 1 comments | | HN request time: 0s | source
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tobyhinloopen ◴[] 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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HacklesRaised ◴[] No.42735436[source]
To be fair we are talking about an area of the country that is prone to seismic activity, it does limit the building materials.

Perhaps what should be more commonly accepted is that the US is a land of great natural beauty! And large tracts of it should be left to nature.

What's the average monthly leccy bill in Phoenix during the summer? $400?

Where does LA get most of its water? Local sources? I don't think that's the case.

New Orleans is a future Atlantis.

San Francisco is a city built by Monty Python. Don't build it there it'll fall down, but I built it anyway, and it fell down, so I built it again...

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leguminous ◴[] No.42736610[source]
> What's the average monthly leccy bill in Phoenix during the summer? $400?

The average high temperature in Phoenix in July is 106.5F (41.4C). If you are cooling to 70.0F (21.1C), that's a difference of 36.5F (20.3C).

The average January low in Berlin is 28.0F (-2.2C). If you are heating to 65.0F (18.3C), that's a difference of 37.0F (20.5C).

I feel like many people living in climates that don't require air conditioning have this view that it's fantastically inefficient and wasteful. Depending on how you are heating (e.g. if you are using a gas boiler), cooling can be significantly more efficient per degree of difference. Especially if you don't have to dehumidify the air, as in Phoenix.

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currymj ◴[] No.42738948[source]
you cannot win this argument with the average person who lives in a chilly European country. it just does not compute.

there are whole important cultural lifeways related to opening and closing windows at proper times for efficient cooling and ventilation. these work really well — in Europe — and are treasured traditions.

getting people to accept AC is sort of like trying to convince the average American to go grocery shopping on a bicycle. some may accept the idea but only the most European influenced already.

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1. llamaimperative ◴[] No.42744864[source]
There's a big gap between "accept AC" and "build a megapolis in a city named after a bird that bursts into flames."

Phoenix is a slow-rolling disaster regardless of whether it's easier to heat or cool a room to comfort.