The Insurance Industry, soon to be the first pillar of Capitalism to succumb to Abrupt Climate Change

“Climate change could punch a hole through the financial system by making 30-year home mortgages — the lifeblood of the American housing market — effectively unobtainable in entire regions across parts of the U.S.”
“Climate change could end mortgages as we know them”

“Natural disasters are being recorded more frequently than ever before. “Since 1970, the number of disasters worldwide has more than quadrupled to around 400 a year,” and “there are six times more hydrological events now than in 1980,” The 10 Most Costly Natural Disasters of the Century
“There is a logistical hurdle: when a catastrophe bond experiences a so-called loss event, the capital in the investment is suspended until the full cost of a disaster is pinned down. The phenomenon of “loss creep”, where initial estimates of a loss balloon months or even years after the event, has also spooked some investors. The cost of Typhoon Jebi in Japan last year rose from initial expectations of $6bn to $15bn.”
“Over two years, natural catastrophes caused a record $225bn of insured losses”.
Why climate change is the new 9/11 for insurance companies

“For the insurance industry, global warming has advanced from a future ecological challenge to a present financial shock. Together, total losses to the economy from natural catastrophes and “man-made disasters” reached $165 billion in 2018; that followed a 2017 that, at $350 billion, cost more than twice as much. As a result, according to the Swiss Re Institute, the company’s research arm, 2017 and 2018 were for insurers the most-expensive two-year period of such catastrophes on record, requiring them to fork over $219 billion globally in checks.”
Climate Change Is Hitting the Insurance Industry Hard

“Regulators are starting to worry about climate change.”
“Jenkins points out that the Bank of England’s Prudential Regulation Authority is leading the way on stress-testing insurers against the risk that the world misses its carbon reduction targets.”

“In such a scenario, insurers, especially in the U.S. where price increases are restricted by regulators, may find it increasingly unattractive to offer coverage,” he writes. “Greater lay-off of risk to reinsurers is one option. But more restrictive policies or wholesale withdrawal of cover are also possible. At some juncture underwriters will need to remove their blinkers and acknowledge that a world awash with worsening climate change risks is not necessarily just bad for the planet. It could be bad for the insurance industry too. A bit like 9/11.” Climate Change Tops List of World’s ‘Extreme Risks’

“Venice is on its knees,” said Brugnaro. “The damage will run into hundreds of millions of euros.” Flood, fire and plague: climate change blamed for disasters
“Last year, insurance payouts caused by climate-related events totaled $2.4 trillion worldwide.” Can Insurance Companies Weather The Storm? What Climate Change Means For The Industry

Clearly the cost of disasters is on the same Hockey Stick trajectory as our climate crisis yet “Business as Usual” carries on as if nothing has changed. All ponzi schemes eventually implode and this one will be no different except in scale. There is no previous analogue to remotely compare with the coming collapse.

I'm an anti-imperialist, environmental activist and blue ocean sailor, who is passionate about the earth and all it's inhabitants without favour. Brace for imminent impact as we bare witness to the non-linear unraveling of the biosphere and habitability disappearing for most if not all complex life on the only habitable planet we know of. To quote President Niinistö in North Russia: ‘If We Lose the Arctic, We Lose the World’. Folks we have lost the Arctic.

Posted in Abrupt Climate Change, Collapse, Insurance
33 comments on “The Insurance Industry, soon to be the first pillar of Capitalism to succumb to Abrupt Climate Change
  1. Marie says:

    Agreed! I’ve been thinking this for some time. Insurance companies stop insuring or go bankrupt, people default on home loans, banks start to collapse…. full blown recession, depression, collapse. Seems like a highly likely scenario.

    Thank you Kevin for sharing. I find all your articles spot on…

    Liked by 2 people

    • Sheila chambers says:

      I can see a silver lining in this, if insurance companies stop insuring structures in areas where such structures should never have been built, that could force countries, territories & states to stop issuing permits to build in such areas.

      This could restore those areas back to the wild where it should have stayed in the first place
      For example the chaparell in southern California in the USA is very fire prone, the hills along the coast have had fires that destroy structures for decades but they keep rebuilding.
      If they can’t get insured any longer, that should stop more development in those areas & as people get burned out, those areas will be left to recover from our STUPIDITY & GREED!
      I was on EOSDIS view today & poor Australia’s east coast is burning from north to south!
      The “green new deal” & resource dependent “renewables” cannot stop the rise in C02 & our rulers refuse to address the cause of our environmental destruction, human overpopulation!
      You cannot cure a cancer by just treating it’s symptoms, our planet is like a animal that is infested with a ‘cancer’ called humanity & it’s killing it’s host, the earth.
      Putting a band-aid on a cancer may cover it up, but it’s host will still die.

      Liked by 1 person

  2. […] My friend Kevin Hester wrote all this up a few weeks ago. you can read his roundup of such news at his website. But his sum-up of the situation is pretty direct: Clearly the cost of disasters is on the same Hockey Stick trajectory as our climate crisis yet “Business as Usual” carries on as if nothing has changed. All Ponzi schemes eventually implode and this one will be no different except in scale. There is no previous analogue to remotely compare with the coming collapse. […]

    Liked by 2 people

  3. Already happening. After 15 years on this property, the fire & homeowner cancelled 23 July permanently as my area of the Selkirk Range is now considered far too high a risk to make money on. And honestly that’s what it’s all about, large bags of money being made not paying out. The odds just shifted so the Big Boys just stopped insuring.

    Thanks for the $15,000 I’ve paid out the last 15 years without a claim and so long! It’s the only gambling I’ve ever done and I just lost? HA!

    Hey, the entire point of ‘insuring’ others is to make money not rebuilding people’s homes. After all, you don’t get those large bags of money when the collapsing climate burns everything up and you promised to rebuild everything.

    I think I mentioned this in another post somewhere on your site a few months ago? So here’s what I’ve found out since I was cancelled nearly four months ago.

    My local company’s policies were all underwritten by Mutual of Enumclaw out on the west coast. Huge underwriter, big corporate bucks, etc etc. I had early warning in a seriously apologetic phone call.

    Interesting that the caller is one of the co-founders of this local office and I was informed last week by another in the office of a retirement party coming up…six months after that 30 minute conversation. They probably cancelled half the office’s homeowner policies since this summer, and it’s ongoing.

    I’ve been talking climate to them for the entire 15 years. The last five they’ve been starting to come around…thinking about what was going on back in May and that’s what most of the conversation was about! Yeah, retire because…why not?

    No wonder the hedge fun logging ops are clear-cutting like locusts in these mountains. Gotta make money from the dead and disappearing forests before they burn. Of course that makes the fires worse, less atmospheric moisture or rain and drying rubble-oh my yes!

    Big Insure has known what’s coming for years. Munich RE was the world’s largest when I read about this, and they’ve been throwing warnings out about Global Warming for years.

    Paradise Cali is what caused MoE to cancel all these policies. They took a bath, that was the reason they cancelled… I’m guessing here from the statements, hints, and unsaid pieces of the conversation that, when I thought about them, it put together a picture said MoE probably had a bunch of underwriting down there, were holding a lot paper in Paradise when it burned. That fire was what? 7 billion dollars I think was the last figure I read. Probably went up since then.

    Bluntly, we ain’t seen nothing yet.


    Liked by 2 people

    • 44 south says:

      “we ain’t seen nothing yet”…
      So true and applicable to just about every negative experience a human being can have.
      Not sure how many of us will have what it takes to endure what’s about to fall on our heads.
      Certainly got doubts about my own capacity in that regard, which is why I try to have a plan B,C and D to limit the hardships and trauma.
      The insurance industry can collapse as soon as it wants as far as I’m concerned, just hope the bureaucracy and the box tickers collapse and die at the same time.
      Got to be some up side to the collapse of industrial civilization don’t you think?;)

      Liked by 2 people

    • 44 south says:

      As if to add an exclamation mark to your post Kevin,on the 20th South Canterbury was hit by a severe thunderstorm along with golf ball sized hail.
      Damage was widespread “insurance companies were being inundated with claims”, Timaru doesn’t have enough materials in town to cope.
      Crop damage is also widespread, including a prize winning kitchen garden which was”decimated”.
      The gardener stated “I’ve never seen anything like it… I felt helpless”.
      All this from an extreme event lasting just minutes.
      Welcome to the future.

      Liked by 2 people

  4. 44south, I really don’t think there is an upside to what we see facing us. Or at least I’m unable to focus on any scenario where it could possibly exist. I mean, holy crap when even half the dots are connected in my mind! We are so far off the cliff down is up?

    But your thoughts on “Not sure how many of us will have what it takes to endure what’s about to fall on our heads” and having backup plans to backup plans…I don’t think is going to make a damn bit of difference how many plans you make or how much you think you can endure. No offense intended, but I just don’t think there is anywhere on the face of the planet that is going to be even relatively ‘safe’ from the ravenous hordes of starving primates once it really gets going. People are already batshit crazy, ya know?

    If Extinction #6 happens as quickly as it looks like it will since it already is on-going into feedback loops that make the last crashes seem quaint, what happened in local areas during all the other empire collapses will be planet-wide and probably brutally short once the grid goes down. There are plenty of people who run out and buy shopping carts full of frozen food when a hurricane is coming…even though they won’t have any electricity. It’s a species thing I think, lizard brain Amygdala(sp?) reactions!

    I thought this short letter from our galactic neighbors might be appropriate to read at this point in time:

    And yes, Kevin, I still see this discredited 2100 AD timeline still popping up in all sorts of odd places. It’s so far out of the realm of reality as to be ridiculous at this point, but it makes people comfortable. Soothes their ruffled feathers and lets them get back to their tv show and the home shopping channel.

    It’s like that damned climate ‘change’ term that is constantly in use by people who should know better. Big sigh. I try to ignore it but I’m not all that good at that!

    -5/10C nights, 6C daytime. Clear blue sky again and no cloud cover with freezing fog and icy slip&fall mornings. Today it has stayed freezing fog all day as it is after 3pm and the trees are still wearing their white coats. Ice still on the ground and not just in the shade of the trees. It rained instead of snow last Tuesday and there is zero snow in the ski hill’s East Basin webcam, just brown dirt and green conifers. And it’s almost December. Snow is expected by next week but seeing as how Nat. Weather Service changes their expectations about every 36 hours, who the hell knows?

    The Deformed Jet Stream and the BLOB rule again this year obviously.

    44south: Golf ball sized hail? That’s crazy! Extreme event is a very polite way to put it…unless you were actually out in it, then I’ll call it something a little more colorful. At terminal velocity one of those would knock you out or any other animal, smash out vehicle windshields, dent the hell out of normal metal roofing. No doubt that insurance claims are piling up fast! I wonder what Big Insure is going to do with all their moola when they close up shop and quit insuring anybody? Got to keep that corporate cash bringing in more profits! Maybe the US cannabis industry… 🙂


    Liked by 2 people

    • Sheila chambers says:

      Hi Seal, I see one silver lining, if the insurance companies stop insuring structures in areas where such structures should never have been built, “planners” will have to stop issuing building permits in those areas & as people get burned out, their buildings won’t be rebuilt & that poor abused area will be left to recover IF it has time to recover before it all burns up anyhow.

      Our stupid greedy RULERS are still demanding MORE DAM GROWTH!

      I’m not wasting my time any longer trying to “vote” in our fake, corrupt RIGGED “elections”. I have better things to do at the end of my life.


  5. 44 south says:

    Update on our hail storm/extreme weather.
    Some ten thousand vehicles were hail damaged in and around Timaru.
    Cosmetic damage is one thing, irritating and costly to repair but…
    Because beurocrats are primarily interested in arse covering no matter what the cost to the public, these damaged vehicles are now being refused a warrant of fitness.
    Because of the cost of repairs, most of these vehicles are being written off at huge cost.
    Meanwhile I have days of work ahead of me as a result of a wind storm which savaged my place Sunday night.
    Seal… I have no doubt that you are right in the END. But there is a wealth of plain old hardship and suffering that can be mitigated or avoided with a bit of forethought.
    You might notice all my alternative plans go no further than plan D.
    D is for DEATH!
    I suggest we should all be thinking and preparing for an”exit” strategy (or three), I certainly have!

    Liked by 1 person

    • Too late for me, Kevin! And not in Washington State anyway.Amazon owns the coast and that’s where all the ‘decisions’ are made, not here in rural poverty-land.

      My retired Biologist/teacher neighbors were just cancelled like I was, with no warning except my telling them what my local agent whispered to me about causes. I seemed to have been the first along this ridgeline to get dropped…at least that I know of. But they’ve never missed a premium in 45 years and their fiscal year came up this month and POOF it goes.

      I’m sure the insurance industry is going to sue and with all the neoliberal corporate judges in place over the last 40 years…I’m expecting that rule to be overturned. One out of five Federal judges are now Trump appointees and the unSupreme Court are out and out Fascists. And doesn’t the corporate rulebook explicitly state that the boards of directors are required to make a profit? And the market shall decide what is good for profits?

      44south: Ten thousand vehicles get listed as totaled and bureaucrats are being…politicians covering their butts? Why is that no surprise! But that’s freaking crazy to just, what, junk them? Or are people going to drive them anyway? I don’t understand what ‘warranty of fitness’ means… Here you can drive a car that’s been ‘totaled’ by an insurance company but it’s listed that way on the pink (ownership) paperwork.

      And you are buried in repair work from a wind storm that savaged your place. Must have been one hell of a blow! I’m sad to hear you were hammered like that. I deal with the same kind of problems on this forested property, too. Had a 90 foot+ (umm, 30 meter +?) Ponderosa snap a third of the way up and was literally flung over the dog run fence by the force of the wind. My dogs are free range except when I’m gone off the property and this tree is the shade in their 7.5x15meter run next to the shop. It was a massive t-cell windstorm a number of years ago, just came freaking roaring in like a wall. The flung piece missed the corner of my shop building by less than 4 meters…it of course became firewood. Just luck that the angle of the wind was more south than from the west or it would have crushed the shop.

      I was watching from the pitch-black music room windows, power was out of course, and in one flash of lightning the tree was there bending like a straw, the next it was a stub. And no way was I going out to see what happened! Hurricane-force wind gusts that night…

      Now since I don’t have insurance any longer, whatever breaks or burns is my problem. I sure could use that $15,000 I sent the insurance company the last few years. You know, just in case?

      And yes 44south, I’ve thought about the what-ifs but I’ve done what I could with what I had to work with in materials, my skills, and the limited finances over the last 15 years here. One thing I wish I had but can’t afford is a hand pump for my lower well. They are dang expensive but it’s only 90 feet down into an underground river. But without electricity no water, and my solar is unreliable at this point. Batteries need replaced and I don’t have the income anymore. But we do the best we can, yes?

      D is for Death. Yeah, well, we can definitely expect that to come barreling along at one point in this collapse and probably for the majority of the population of this planet. Or all of us if we really are that stupid.

      If the climate just tips the hell over from ongoing disasters to a serious ‘instant’ catastrophe? Maybe no harvest in the US Midwest one Fall as all the crops burn up or drown in floods (both likelier than I’d care to admit) much like what has been happening in Africa. There isn’t much mitigating with alternative plans if that happens. By December there WILL be starving hordes raiding the countryside once the cities are picked clean as a skeleton and the military and police forces desert to go protect their own families…

      I’ve wondered if the reason for turning US cops into heavily armed local para-military forces (not that they weren’t always that in the first place) complete with their own tanks and grenade launchers has something to do with ‘just in case we need to cage everybody’ thinking by the Neoliberal wealthy who control this country… I mean, the wealthy ARE building bunkers and stockpiling, that’s a fact. Buying up New Zealand and shipping pre-fab concrete put-togethers from that outfit in Texas to the properties; in Patagonia on top of aquifers (Bush Family 800,000 acres and the Sung Yung Moon Church on the million acres next door. Missile silos being converted to refuges for the ‘just millionaire’ types who can’t afford bigger…too much info to list here.

      Exit strategy. That depends on circumstances, doesn’t it? Another big sigh. I ain’t gonna eat people no matter how hungry I get.


      Liked by 1 person

      • 44 south says:

        The latest installment of the extreme weather news from 44 south is that last night we had a 12hour thunderstorm from 6pm to 6am that dropped over 2 inches of rain on my place.
        The south island of NZ is currently cut in half to vehicle traffic by flooding and slips on the west coast and the Rangitata river on the east coast.
        An emergency has been declared and mandatory evaluations ordered.
        About a week ago I bought my first 4 wheel drive, a cheap 1992 Nissan. An extreme weather vehicle. I think I got the timing about right. And no it’s not insured.
        My dogs kept real close through the storm last night, happy I was a comfort to them as they are my early warning devices and security most of the rest.
        Next year is going to be a doozy! Best of luck to one and all.

        Liked by 1 person

    • Sheila chambers says:

      My “exit strategy” comes in a caliber of 45. It may be messy but it’s also QUICK!
      If the “ravening hordes” are quick, they can have a feast of “long pig”.

      Liked by 1 person

  6. Another use of that discredited 2100 AD meme, from the WMO this time, pops up. Interesting the article used the term ‘climate crisis’ rather than ‘climate change’ except for the 4th to last paragraph, and Dr. Joanna House of the Cabot Institute of the Environment at University of Bristol SHOULD have known better to use it!

    After Hottest Decade Since Records Began, WMO Warns World May Face 5°C Rise by Century’s End
    The impacts of the climate crisis “are real and happening now and place huge pressures on communities and countries,” climate scientists said.

    Liked by 2 people

    • Hi Kevin! Hit a pay wall on this link so not available to read. I wonder just how truthful the results of this study will be and what part of climate science (whose research?) are they basing the expected coming impacts on? IPCC? Far to cautiously conservative and out-of-date so…who? What qualifications and research background?

      I’m curious how they will justify continuing to insure any property at this point!! I mean, the planetary envelope has gone insane and everywhere is at risk in one degree or another…and the ‘degrees’ are going up if ya get my meaning.

      Selkirk Range news:

      More friends, and other locals I talk with who own forested property, have been handed ‘thank you for your monetary contributions all these years and goodbye’ notices in the last couple of weeks from various Big Finance insurance companies. The little offices of locals underwritten by them are freaking out as they cancel a huge majority of their customers. So left to gouge profits with is going to be what, government-mandated auto insurance and Big Medical policies that can make money? After all, property rights is what the USA was founded on by the wealthy slave/property/business owners that wrote the rules!

      weather news: had snow falling Tuesday night 10Dec at 11pm that put down 3 inches or so by Thurs 12Dec morning. Then cold chill foggy with frozen nights until Wed 18Dec when the sky went blazing sunshine in baby blue. Thurs 19Dec there was a fresh 4″ in the morning that turned to rain by 1pm with off and on sprinkles the rest of the day. Started snowing again at dusk but flipped right over to pouring rain by 11pm! It was 6C at 10am this morning and it’s rained off and on all day. It’s now after dark and rain is pounding on the roof again and, it sounds like, a lot of wind because it is hitting in sheets above my head on the sheets of metal roofing. Easy to tell by hearing it fall.

      It’s TOO DAMN WARM!


      Liked by 2 people

      • Sheila chambers says:

        Hi Seal, have you tried doing a web search for that article on a different site? I have often found the very same artical on a site without a pay wall.

        Too dam warm eh? Down here it’s cold wet & dreary, send that excess “heat” down here, PLEASE!
        I’m freezing my big, fat, ass off!

        Liked by 1 person

  7. Kevin Hester says:

    “Damage to cars, windows and buildings is extensive, with more than 1,900 calls for help to emergency services and 15,000 insurance claims already lodged”.
    They will be watching their contingent liability soar as the thousands of claims are lodged.
    The loss of research at CSIRO located at the The Australian National University will be a huge issue as Australian government slashed their budgets last year.


  8. Kevin Hester says:

    In this article it says the costs could be as high as $230 billion not just the $100 billion in the title…. It’s probably more.
    Australian farmers have their hand out for aid today, it will be the insurance companies any day now where we will see a rinse and repeat of socialism for the corporations and capitalism for the taxpayers.
    No insurance no mortgages. Very large challenges will rise from the ashes of these fires and the carbon they emit.


    • And the Big Insure cancelled policy massacre continues in these mountains. I’m hearing about even more huge premium increases from people who’ve had fire/homeowner insurance for decades and never filed a claim for anything, that are being directed to ‘try’ these other companies…triple or quadrupling their previous monthly cost. I’m certainly not the only one living without fire or homeowners any longer. I haven’t read or heard anything about mortgages being lost due to no insurance yet, though.

      Interesting read about the building trade requirements down there. I don’t think there is anything like it in the US, but then the US is a neoliberal wasteland of the wealthy that own the corporations…

      On another topic, it is still pouring rain here. Third week in January and ridiculously warm with no real end in sight other than occasional flurries when a colder patch of cloud cover goes overhead. This is bad.

      And it’s raining all the way up the local snowboarding hill. Didn’t see a single person riding in view of the Peak cam nor on that lift coming up. Instead of worrying about snow-covered roads and digging off roofs and firing up the snowthrower to get out, it’s melted gushy oatmeal deep ruts to the defrosting wet ground (soon to be mud in January??). Right around dark is when the car accident numbers start piling up, too. This is way bad. But then we know wherever we are it’s never going to get ‘better’ or normalize, eh? May we live in interesting times indeed.


      Liked by 1 person

  9. […] Further information on the risks face by the Insurance Industry is embedded here;The Insurance Industry, soon to be the first pillar of Capitalism to succumb to Abrupt Climate Chan… […]


  10. Kevin Hester says:

    “But “climate-related risks will remain largely uninsurable or unhedgeable as long as system-wide action is not undertaken,” the BIS said.”
    There is not and will not be any ‘system-wide action’ until collapse unfolds. That surely must be clear to everyone. We are looking at ‘Business as Usual’ until business collapses.


    • Can you imagine how loud the British insurance corporations are squealing at the moment? I mean, a ‘Bomb Cyclone’ in the middle of winter? The claims must be skyrocketing! Oh wait, they’ve had TWO in a freaking WEEK! Double that squeal. Or maybe triple it.

      Excuse me, didn’t they having a Bomb Cyclone back in October, too? Yep, nothing to see here, don’t connect the dots, pretend it all isn’t happening, invest in oil stocks because that’s where the dividends are. Let’s get rich!

      Since AUS is a commonwealth I’m assuming that the same Brit insure companies operate down there and would be carrying paper on the areas the mega-fires have scorched/sterilized in that country. Those fires have been so hot they killed the damned soil, nothing is going to grow in sterilized soil! The squealing must be extremely painful in those executive board rooms. Ouch! After all, the entire point of operating an ‘insurance’ company is to make a boatload of money, not pay out all the profits they take home in those large yearly bonus’.

      I’m guessing that there aren’t going to be many wealthy oligarchs on those board of directors buying new ski vacation homes in Austria this year. Maybe they’ll just put their money into…building more climate/nuclear war hideouts in New Zealand?

      It sure is a good thing that Brit insurance doesn’t cover Africa because it looks like a HUGE swath across numerous countries just lost their crops and tens of millions are going to be crossing borders to find food to feed their families. But then those other countries will be doing the same thing. Oops.

      I’m getting too cynical for my own good.

      In local weather news here in the lower Selkirk Range of NE Washington State, it continues to have beautiful blue sky and brilliantly bright sunny days with 5-10’C temperatures. I’m wearing short-sleeve t-shirts and as long as I’m in the sun it’s quite comfortable. The February MUD is a little hard to deal with, though there is a bit of crusty frozen ice still covering a good proportion of the property.


      At least it is still freezing solid at night otherwise I’d think I was…much farther south. When I go to town I hear people saying how much they are enjoying this weather! Then I ask them where their water comes, and they answer from the faucet, and then I explain about snowpack and aquifers. They don’t look all that happy with me, ya know?


      Liked by 1 person

    • We had a hailstorm…less than a month ago that didn’t hit here like it did about 25 miles north of me higher up in the mountains. What hit my house was pea sized, what hit up north were golf ball size. A friend’s dog was knocked out, he saw it happen through his window, and he had to run out to drag the dog into the garage to get the poor labbie out of it. Both his and his wife’s car hood/roofs look like someone used a ballpeen hammer on them. They live outside of Blue Creek…

      The picture of the shredded siding on that Calgary house was pretty freaky to look at.

      How much freakier will it get? That Chinese curse comes to mind… Step by step the ramifications of the breakdown in stability is showing its ugly face.

      Massive black t-storm clouds have piled up in the last three hours, rain falling in sheets visible against the mountains west of me, but almost no wind at my elevation yet. Yesterday’s national web weather was for sunshine until this weekend. Again, they just can’t predict what is coming even 24 hours in advance anymore. The patterns are broken. It’s sultry, muggy and warm, and when the sun goes down I’m thinking it may shift to lightning. It…feels like it, ya know?


      Liked by 1 person

  11. Kevin Hester says:

    “A report commissioned by federal regulators overseeing the nation’s commodities markets has concluded that climate change threatens U.S. financial markets, as the costs of wildfires, storms, droughts and floods spread through insurance and mortgage markets, pension funds and other financial institutions.”

    Liked by 1 person

  12. Sheila chambers says:

    This morning when I awoke at 08:00, it was dark, the sky was a deep orange, everything was covered with a fine ash. It didn’t lighten up until around noon, it’s now 1800 & dark, the sky a greyish orange.
    This is from the fires in N.California, there are about 80 wildfires burning in Cali. If you go to MODIS today, & select “Aqua” & “false color” those fires will stand out with their flames brightly visible. Too bad I can’t inclued a image here.

    Thanks to LYING, IGNORANT, GREEDY, RACIST, incompitant Trump, COVID19 is raging here. It’s so bad here thanks to our non-existent “health care”, inequality, racism,growing poverty, unemployment & homelessness, Europe doesn’t want ‘mericans visiting them, we are DISEASED.

    Thanks also to our LYING, CORPORATE MEDIA, most ‘mericans are unaware of just how BAD Trump has handled or IGNORED the COVIS pandemic.

    We STILL can’t get effective masks, there is very little testing, I have never been tested, you have to have SYMPTOMS of COVIS to qualify for a COVIS19 test!

    Trump said “If you don’t test, you don’t find, that keeps the # low & makes us “look” better even as the cases spiral upwards out of control. That DAM Trump is doing everything he can to hide the real situtation, he claims a very good vaccine will be available by October, before the FAKE, RIGGED “ELECTIONS”!

    I won’t even do a protest “vote” any longer. I used to “vote” 3rd party, parties that are SHUT OUT of our CORPORATE CONTROLLED MEDIA, they control what we see, read & hear, independent news sources are hard to find.
    These same corporations also control the “VOTE”, they select their lying oligarch warmonger candidates, they own & control the “voting” & vote “counting” machines, the entire “election” system here is a COMPLETE FRAUD!

    I cannot & will not “vote” FOR a dam, lying, oligarch warmonger, I stopped doing that with Bill Clintons “election” in the 1990’s, I simple won’t bother to “vote” at all when both “choices” a LYING, OLIGARCH WARMONGERS.


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Kevin Hester

Kevin Hester is currently living on Rakino Island, a small island in the Hauraki Gulf near Auckland, New Zealand, monitoring the unravelling of the biosphere and volunteering at the Rakino Island Nursery is currently developing a proposal to create a marine reserve near by. The Island has no grid tied electricity or reticulated water.  I catch my own water from the roof and generate my electricity from the ample solar radiation on the island.

My Submission to the Ministry of the Environment
Kevin Hester, Dropping Anchor in an Exponential World
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