{"id":30045,"date":"2016-05-25T10:11:49","date_gmt":"2016-05-25T09:11:49","guid":{"rendered":"http:\/\/www.climatechangenews.com\/?p=30045"},"modified":"2016-05-25T10:11:49","modified_gmt":"2016-05-25T09:11:49","slug":"top-insurer-urges-us-to-stop-subsidising-climate-risk-homes","status":"publish","type":"post","link":"https:\/\/www.climatechangenews.com\/2016\/05\/25\/top-insurer-urges-us-to-stop-subsidising-climate-risk-homes\/","title":{"rendered":"Top insurer urges US to stop subsidising climate-risk homes"},"content":{"rendered":"<p><strong>Lloyd\u2019s, one of the world\u2019s biggest insurance companies, says the US government must stop providing insurance subsidies to homeowners building on flood plains and in coastal areas exposed to mounting risks related to climate change.<\/strong><\/p>\n<p>According to a report in London\u2019s Financial Times, <a href=\"https:\/\/www.lloyds.com\/\" target=\"_blank\">Lloyd\u2019s <\/a>says the US government\u2019s <a href=\"https:\/\/www.fema.gov\/national-flood-insurance-program\" target=\"_blank\">National Flood Insurance Program<\/a> (NFIP), which subsidises insurance cover for householders in regions <a href=\"http:\/\/coastalnewstoday.com\/washington-dc-lloyds-of-london-urges-us-government-to-stop-insuring-floods\/?utm_source=Coastal+Engineering+News+%26+Subscription+List&amp;utm_campaign=f478139f8a-Coastal+News+Today&amp;utm_medium=email&amp;utm_term=0_4fc585b6c5-f478139f8a-310286833\" target=\"_blank\">vulnerable to floods and storms<\/a>, encourages irresponsible house building.<\/p>\n<p>Lloyd\u2019s also says the NFIP subsidy regime is financially unsustainable. Because of claims related to disasters such as Hurricane Katrina in 2005 and superstorm Sandy in 2012, the NFIP has now run up debts of more than $24 billion.<\/p>\n<p>Insurance companies have been among those at the forefront of analysing the financial implications of climate change and assessing climate-related risk worldwide.<\/p>\n<p><strong>Concerted action<\/strong><\/p>\n<p>In the run-up to the <a href=\"http:\/\/ec.europa.eu\/clima\/policies\/international\/negotiations\/paris\/index_en.htm\" target=\"_blank\">UN conference on climate change in Paris<\/a> last December, insurance companies pressed for more concerted action on global warming, saying it posed a serious threat to the future of the industry.<\/p>\n<p>Insurers say rising payouts related to climate change and weather in heavily-insured western countries such as the US result in less money being made\u00a0 available to provide affordable insurance in developing countries, where it is most needed.<\/p>\n<p>A <a href=\"https:\/\/www.munichre.com\/en\/media-relations\/publications\/press-releases\/2016\/2016-01-04-press-release\/index.html\" target=\"_blank\">report\u00a0by Munich Re<\/a>, one of the insurance industry\u2019s leaders in analysing climate change, says the world\u2019s most deadly and costly catastrophe in 2015 was the <a href=\"http:\/\/www.bbc.co.uk\/newsround\/36129992\" target=\"_blank\">Nepal earthquake<\/a> in April, resulting in at least 9,000 dead and billions of dollars worth of damage.<\/p>\n<p>\u201cAs is so often the case in developing countries, only a fraction of the $4.8 billion in overall losses caused by the quake and the aftershocks was insured \u2013 $210 million,\u201d says Munich Re.<\/p>\n<p>The situation in the US is the reverse, with heavy NFIP subsidies and other local, state-controlled schemes for too many homes built in areas exposed to storms and flooding.<\/p>\n<blockquote><p><em>\u201cIntended as a disaster relief programme,\u00a0<\/em><em>the federal flood insurance scheme is really\u00a0<\/em><em>a land development policy\u201d<\/em><\/p><\/blockquote>\n<p>The most glaring example is along the coast of Florida, a region that is regularly hit by hurricanes and giant storms. Coastal lands are also threatened by sea level rise related to climate change. Yet despite these risks, the area has seen a <a href=\"http:\/\/www.air-worldwide.com\/Publications\/AIR-Currents\/2015\/The-Growing-Value-of-U-S--Coastal-Property-at-Risk\/\" target=\"_blank\">steep rise in population and housebuilding<\/a>.<\/p>\n<p>In 1992, <a href=\"http:\/\/www.npr.org\/2012\/08\/23\/159613339\/hurricane-andrews-legacy-like-a-bomb-in-florida\" target=\"_blank\">Hurricane Andrew<\/a> hit the Florida coast, causing an estimated 65 deaths and causing $25 billion of damage to housing and businesses.<\/p>\n<p>With encouragement from insurance schemes subsidised at federal and state levels, the damaged areas have all been redeveloped. And insurance experts say that if a similar storm were to hit the Florida coast now, more lives could be at risk and losses would amount to $50 billion.<\/p>\n<p><strong>Bargain prices<\/strong><\/p>\n<p><a href=\"http:\/\/www.law.uchicago.edu\/faculty\/ben-shahar\" target=\"_blank\">Professor Omri Ben-Shahar<\/a>, an expert on insurance law at the University of Chicago, argues in an <a href=\"http:\/\/www.forbes.com\/sites\/realspin\/2014\/03\/25\/washington-is-encouraging-the-next-hurricane-sandy-by-creating-new-subsidies-for-flood-insurance\/#4e55ae115156\" target=\"_blank\">article in Forbes magazine<\/a> that government subsidies mean that flood policies are being sold at bargain prices.<\/p>\n<p>He says the system is hard to justify, with middle-class taxpayers living inland having to subsidise mostly upper-income owners of coastal homes.<\/p>\n<p>\u201cGovernment-provided insurance made sure that premiums were low enough to sustain ongoing development and a massive relocation of population to regions which, we now know, are borderline inhabitable,\u201d says Ben-Shahar.<\/p>\n<p>\u201cIntended as a disaster relief programme, the federal flood insurance scheme is really a land development policy.\u201d<\/p>\n<p>After the government had to pay out massive amounts in claims in 2012 in the aftermath of super-storm Sandy, the US Congress decided to phase out the NFIP scheme and its insurance subsidies. As a result, insurance premiums in some coastal areas rose tenfold.<\/p>\n<p>An intense lobbying campaign followed, and much of the NFIP scheme is now back in place.<\/p>\n<p><em>This article was produced by <a href=\"http:\/\/climatenewsnetwork.net\/insurance-aid-props-up-climate-risk-homes\/\" target=\"_blank\">Climate News Network<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"National scheme encourages irresponsible housebuilding on regions exposed to flooding and storms, warns Lloyds","protected":false},"author":12,"featured_media":30047,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[830,8,98],"tags":[],"coauthors":[],"class_list":["post-30045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-antarctic","category-living","category-us","type-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO 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