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
101 comments on “The Insurance Industry, soon to be the first pillar of Capitalism to succumb to Abrupt Climate Change
    • And when one builds extremely heavy concrete & rebar buildings on crumbly porous LIMESTONE… Like the World Trade Centers, they may never find all the bodies still in that pile of rubble because they were disintegrated as they were smashed flat. What, still over a hundred last I read?

      The article link below is from my home beach alt leftie local news and this Florida condo essay you posted fits dead-on right in the middle of it. Same slacking corrupt city government ignoring the problems until it’s too late. As a kid I watched this pier get built right in the first Sunset Cliffs point break, an incredibly big left surf spot, and yes I commented twice talking with Geoff on what I saw while surfing it in the ’80s. I just sent your link to the comments page for others to read because it is so spot-on to what they are dealing with down there..

      https://obrag.org/2021/05/the-city-fiddled-while-the-ocean-beach-pier-crumbled-a-classic-story-of-neglect/

      sealintheSelkirks

      Liked by 1 person

  1. Absolutely no surprise except why did it take so long? I was cancelled as soon as my fiscal year ended after the Camp Fire that took out Paradise California which is two states and 800 miles south!

    So you saying “I told you so” is completely appropriate by the way!

    Hell, I’ve been in the same boat for…what, this is the third fire season of zero insurance for my house and sew shop? And I was in Evac II last Tuesday filling totes and boxes into the old 4Runner with a 15 minute limit to be ready to leave with the 3rd damned fire (2nd deliberately set) in ten days directly upwind to the south down the ridge as twin-engine ‘scoop’ fire bombers blew over my house at tree-top level after they hopped up over the 100 foot conifers on the south end of the property dropping their right wingtips at the ground to make the sharp turn east up the creek canyon behind me and back to Loon Lake for another refill. These planes were freaking close! Old school barnstorming flyers no doubt. I was clearly seeing the pilots’ faces in the cockpits as they tilted their planes for the turn right in front of my 2nd story window.

    This winery guy’s comment of changing the game for him is wildly understated. There are literally millions of people like me (living low income with no other resources) in the same boat. Two very poor worker families in the 3rd fire burned out; single wide trailer homes in the path went poof with maybe 5 minutes warning. So far I don’t think anybody died but I don’t know for sure. There’s been DNR crews down there all week.

    Yesterday was 19 days in a row of 100’F/38C or higher temperatures. I have no idea what it will be today but yesterday was 106’F and the day before was 107’F.

    First 90’F/32C was May 17th. It hasn’t dropped below that since…looking at the calendar…June 18th. And the hottest part of the summer is yet to come? REALLY? WTF next is not a question I want answered because, well, you know!
    ___

    By the way, my email is broken as the program will not load and hasn’t since Thursday 8July night. I have no idea why and neither does my web guy who had no problem getting into it. I borrowed my retired biologist’s computer yesterday and had no problem with it there, either, so it’s some program thing on this old computer or a dial-up server problem. They don’t like fixing any of their own problems without me forking over cash for them to ‘look’ instead of just fixing their own programming problems. I’d swear that it’s a money-skimming scam based on the last time there was a problem and how I was treated….oh wait isn’t that Capitalism at its finest?

    So I’m missing some of your latest postings because I can’t read my email to see what you’ve thrown up recently!

    Serious fire haze from either or both of the Canadian blazes from the north and Wenachee from out west. Lurid red/orange sunsets and one knows there is small particulate matter blowing in the wind…but there are no N95 masks for sale that are available for the peons this fire season. Going to be an uptick in deaths and disease due to that not just the new mutated Covid Delta and Gamma variants…

    It’s all a matter of luck at this point, isn’t it?

    sealintheSelkirks

    Liked by 1 person

  2. Kevin Hester says:

    The clock is ticking on the entire industry

    Like

  3. Ahahahahahaha. What a sick joke it all is, eh Kevin? We are such a funny species!

    It’s never been about ‘insuring people against disaster’ like it’s some public service or something. Why does anyone think the owners of those mega-companies care?

    And when will those corporations completely abandon the state, and the entire Deep South for that matter? When it is no longer profitable of course!

    And abandon the West Coast fire zones. And abandon the Midwest flood & drought zones. And abandon the East Coast hurricane and sea level rise, and the Gulf Coast. Just how long before insurance go completely out of business because there won’t be a single area of the country that is ‘safe’ from climate collapse? Sure seems to be going full speed ahead, doesn’t it?
    ____

    I love the term ‘skittish’ used in this article. How…droll! Hell, I’m feeling a bit skittish today because the temperatures have been under 100F/38C for two whole days! 94’F yesterday and 96’F the day before. Wow, is this the start of winter already?

    Of course before that I’ve got twenty-one days (21!) in a row above that number on my calendar! Three entire weeks and it’s not even the hot months yet. Oops.

    Then there is the fact that I’m only going outside about 3pm to check the thermometer and it usually gets hotter between 3 & 5pm. I don’t care, once is enough per afternoon as I just can’t handle being outside in this. I did clean out and fill the old broke-down little hot tub with well water and have been using it to cool core temperatures during the day. It functions quite good being well-insulated to keep heat in. Anything that works, eh?

    But hey, at least I’m not having to pay monthly homeowner/fire insurance that I could barely afford anyway as it kept going up every single year like property tax. I’ve found out that I have been joined by more of my neighbors since they cannot afford the ‘new rates’ that have been imposed by the fly-by-night little insurance companies that popped up to grab when the big boys cancelled all of us.

    What an exciting time to be alive, eh Kevin? Guess it’s time I get out there and “rake the forest’ like Trump said last year. With a nice clean raked forest I won’t have to worry about wildfires, eh?

    sealintheSelkirks

    Liked by 1 person

  4. Kevin Hester says:

    “Natural disasters tend to be more costly for insurers in richer countries where businesses and citizens are more likely to be insured.”
    That’s an interesting angle.
    The only people affected by the unfolding collapse of the insurance industry are effectively the wealthy, poor people could never afford it.

    https://www.theguardian.com/business/2021/jul/21/2021s-extreme-weather-leads-to-insurers-biggest-payout-in-10-years?fbclid=IwAR2IV9LUlhCHg1iMVohIAwPDjfT3OZUVzqG_4e3iwDyIEOyRavaWzc561OU

    Like

  5. Yeah, well, that goes for me, too! I will never be able to afford what a few of the risk taker little insurance firms are charging around here (not a single major company of course!) so when they fail it really won’t matter much to me. No mortgage owned by a bank which has unknown repercussions to those that do!

    I also don’t have any kind of health ‘insurance’ for that matter as the industry lobbyist-written ObamaCare was just another joke’s-on-us insurance monopoly scam signed into law to enrich the wealthy. But Obama was a perfect substitute for Wbush! Just another neoliberal corporate right winger…and I never could afford that, either!

    But I will be affected because what happens when these companies crash as hard as that Florida condo a couple of weeks ago and nobody can get gov-required car insurance? With zero public transportation around here it is drive or starve…and cops just love to give out tickets! After all, their main job is to pull in revenue for the county or state not fighting ‘crime’ or they’d be all over the wealthy one would think…
    ____

    Watched another fire erupt on Wednesday about 6-10 miles s/sw of me. Sky went even more hazy (we’ve been in hazardous air quality for a while) and when I walked out to the road a hundred meters south from my gate where the trees were butchered off and the ridge drops off down towards the valley below there was a huge column of smoke looking like a volcano erupting behind the Huckleberry Range ridgeline. It was so big that my neighbor and I thought it was at most 6 miles away. It went from 200 acres Thursday morning to 400 acres by noon.

    I don’t know how big it is today but the main plume is visible out my south-facing window going west to east because I can literally see the stream of darker smoke in the blanket of fire haze already present. Wind shifted again. It’s been breezy from NW and from SW. Back and forth. Wind is fire’s 2nd best friend.

    The moon last night was a beautiful shade of gruesomely red ocher. You can imagine the sunsets. I don’t go outside without an N95 mask on as my eyes have been gritty full-of-sand for days and days. I certainly don’t want pm 2.5 in my lungs!

    After nearly 18 months of covid and last year’s fire smoke I’m down to 19 N95 dust mask types left and two N95 respirator valve style. I had a couple of huge boxes from a storage unit auction of a construction firm a few years ago that I unloaded for the 2nd hand store and got first pick on some items like that… Sure has come in handy since there are no real (ie: high quality) N95 masks available in this country. Except for medical staff. And politicians. And cops. And prison guards. And Federal cops like ICE, FBI, DEA, ATF etc etc.

    Screw the rest of us, eh?

    One can find cheap black market knock-off copies from China or those nearly useless KN95 ones that don’t fit your face! I’ve got a couple of those but maybe it’s my face they don’t fit? I’ve sewn up a few fabric masks with a slot in them that I can slip a cut piece from still-sealed large HEPA air filters that I have but I don’t know just how protective from covid or 2.5 particulate they will be. Better than nothing I guess, yes? Best to have some kind of plan!
    ____

    I guess it’s really burning huge in Oregon, two fires just combined into a monster. Cali is burning of course. And my state is burning. Canada is burning. Isn’t this exciting?

    sealintheSelkirks

    Liked by 1 person

  6. Kevin Hester says:

    Flood-hit German homes face higher premiums as climate risks grow;

    https://news.trust.org/item/20210723171212-doc4v/

    Like

  7. Interesting thought that came up in my head while reading this article; will other Germans (or anybody anywhere for that matter) be willing to pay a little more so that those people who can’t afford it will be covered by some kind of insurance?

    I don’t think so. There is a distinct lack of empathy for the ‘other’ in our species. Others of course being anyone and everyone that is not part of…your specific subset group. Or immediate family members. As this gets worse I expect to see far more of a narrowing down of just who even long-time neighbors will be willing to help. Much less people you don’t know at all. A huge disconnect there…

    Until of course your house burns down/washes away or whatever causes one to end up sitting on a pile of rubble with nothing and even your food and water stash is history. Then what does one do? As the neoliberal authoritarian governments run by wealthy sociopaths continue to be less and less likely to give a rat’s ass as we know that the campaign bribe money they grovel for means they’ll truly only be willing to ‘help’ those that funded their campaigns…

    In a world of hurt we are and that is obviously everywhere on the planet.

    Looking around the world as best I can on my limited dial-up internet at just how MUCH is going on is…daunting at best. I can’t keep straight in my head just how many on-going disasters are happening this year because they are piling up so fast everywhere, daily, and I can’t process them fast enough. All over the planet there are events that show that even the most ‘alarmist’ predictions were actually rather conservative. What will be the catastrophe(s) that push these corporations past their breaking point I wonder? After all it’s not really about ‘helping’ others it’s about wealth creation while seeming to help others. Everybody has a nasty ugly story about dealing with insurance companies…and they WILL pull out when there is no more money to be made. Just like they did a couple years ago around here.

    The insurance corporation’s house of cards built on Florida limestone while the ocean rises feels like probably sooner rather than later, doesn’t it? I’m…not exactly curious as to what will happen when mortgaged homes suddenly cannot be insured that the banks require but I’m sure it will be interesting if not tortured logic…
    ____

    Triple digits here starting tomorrow again supposedly. Back to over 38C again after a couple of days of ‘cooler’ weather which didn’t really feel all that cool. But 33C isn’t exactly chill, ya know? My old broken-down hot tub is full of well water but it is still so well insulated and on the northside of the house that it has kept the water far below what I can handle climbing into. I haven’t been able to sit in it below my waist because my body shocks too much! Core temps are brutal at this point but it’s definitely helping to just sit with my legs in it during the afternoon…

    sealintheSelkirks

    Liked by 1 person

  8. Kevin Hester says:

    Climate Denial Crock of the Week
    with Peter Sinclair

    As People Move to Climate Risk Zones – Will Insurance Companies Pull Plug?

    https://climatecrocks.com/2021/08/04/as-people-move-to-climate-risk-zones-will-insurance-companies-pull-plug/

    Like

  9. Kevin Hester says:

    “Global warming increased U.S. crop insurance losses by $27 billion in 27 years, Stanford study finds
    Higher temperatures attributed to climate change caused payouts from the nation’s biggest farm support program to increase by $27 billion between 1991 and 2017, according to new estimates from Stanford researchers. Costs are likely to rise even further with the growing intensity and frequency of heat waves and other severe weather events.”

    https://news.stanford.edu/2021/08/04/climate-change-crop-insurance/?fbclid=IwAR0Zv1i-3N-r1XJmq1ilr4yGL_9k9dwfvvo2JPcd81OnfWDx7Qc2VoXgAKw

    Like

  10. Kevin Hester says:

    “This is the sixth year in a row that the US has experienced 10 or more separate billion-dollar disasters,” NOAA climatologist Adam Smith told CNN Weather. Ten disasters has become the more recent standard of what to expect in a year, he added.
    “To more than double (the number of events) at 22 and then have six more than the previous record is pretty extreme,” Smith said.

    https://edition.cnn.com/2021/01/08/weather/billion-dollar-us-disasters-2020-noaa-climate/index.html?fbclid=IwAR1apHBUi9fq552ZbIhqvqE128LXeXX7-vLk0aKy5WjkmytCuWoyzS86pc8

    Like

  11. This fits right in:

    FEMA Knows a Lot About Climate-Driven Flooding. But It’s Not Pushing Homeowners Hard Enough to Buy Insurance

    A new Government Accountability Office report shows homeowners and the federal government are vulnerable to a deluge of losses from “rain bombs” and tropical storms.

    https://insideclimatenews.org/news/04082021/fema-flood-insurance-general-accounting-office-report-climate-change/

    The Federal Emergency Management Agency (FEMA) has been collecting a lot of information about flood risks across America, including the increased risk of flooding linked to climate change. But the agency has not effectively used that new knowledge to persuade more Americans to buy flood insurance, according to a new report from the Government Accountability Office.
    ____

    What this article doesn’t talk about is HOW all of these people are supposed to afford flood insurance. There is a huge percentage of the US population that is literally living paycheck to paycheck (if they have a job and the unemployment numbers are a total lie. And far too many of them are falling further behind every damned month. They don’t go on ‘vacations’ or have stock market portfolios! Barely able to cover the bank mortgage and the ever-increasing monthly bills. There was a study done fairly recently (before COVID) that showed a majority didn’t have $500 put aside for an emergency! With the jacking up insurance premiums…yeah, leaves a lot of people sitting on their thumbs.

    _________

    And the Dixie Fire down in Cali just blow-torched the town of Greenville which is east and north of the town of Paradise. That’s the term witnesses used, blow-torched.

    Some of the pics I’ve seen the last couple of days…I look around where I live and just deep sigh because I just don’t see my place surviving any kind of burn-off that I’m seeing happen elsewhere. The town of Nespelem on the Colville Rez to the west of me just torched. The Colville Rez just filed a lawsuit against the US gov three days ago over the 2015 fires for failure to maintain necessary standards which is listed by treaty…and they may need to add this year obviously because nothing really changed much from then…and the Rez is burning from 60 lightning strikes at once two weeks ago.

    https://www.commondreams.org/news/2021/08/05/blowtorch-historic-dixie-fire-catastrophically-destroys-greenville-california

    You’ll catch the serious irony of their Congressman Doug LaMalfa contrite comments in the article I’m sure since he has always been in the pocket of Big Oil.
    ____

    Then this one popped up today. Dixie fire continues and gets bigger! Read the sign still visible in front of the burned-down church pic. I actually started chuckling… How prophetic can one get, eh? But after all that’s what Hebrew offshoots are all about!

    Incineration is such a descriptive word.

    https://www.commondreams.org/news/2021/08/07/we-lost-everything-greenville-residents-reel-californias-dixie-fire-grows-historic
    ____

    I know a woman, a friend of my friend Utah Karin who was part of the non-mormon underground at the university in the late 80s and we all partied some together. Her family was evicted by the Camp Fire that burnt through the town of Paradise that was the prime cause of my fire insurance being cancelled. The run-around they have gotten from their insurance company has been a nightmare. And is still ongoing as they are still arguing with those asswipes! How does one account for losses when all the damn receipts and documentation is destroyed? And that’s what those bureaucrats want, paperwork!

    I don’t know anyone who lived in Greenville but I’m sure the insurance industry is just quivering at this point with another NorCal town burnt to the ground. Quite sure that there is going to be another rash of cancellations coming from the corporate offices that held policies in that town. Rate hikes to cover losses are becoming unmanageable I would imagine at this level of one disaster after another. Especially as the Dixie fire is looking like it’s going to burn a few more towns down before it is through.

    Then we could talk about Greece, or Turkey, or Russia fires…do any of those areas have fire insurance that will be going bankrupt like the US industry sometime soon? I would imagine so.
    _________

    What I’m really waiting for is the expected rash of monster hurricanes to start battering the Caribbean and the southeast US coastlines. Hasn’t had a totally destructive (like Mexico Beach in Florida) yet, but NOAA just came out three days ago with an updated scenario that isn’t looking any better than last year.

    https://www.noaa.gov/news-release/atlantic-hurricane-season-shows-no-signs-of-slowing

    The world is, in old surfer terms, looking very freaking gnarly everywhere, dude! I wonder how Australia is going to far in their looming summer? Worse than last year? Probably. More refugees to your islands…

    sealintheSelkirks

    Liked by 1 person

  12. Kevin Hester says:

    “Extreme precipitation in mid-July resulted in the costliest flooding events on record for German and Chinese insurers, which face potential losses of $6.5 billion and $1.7 billion, respectively, according to Aon’s monthly catastrophe report.”
    https://www.insurancejournal.com/news/international/2021/08/12/626750.htm?fbclid=IwAR3FFE90EE7dSocPWXf25DvrVIFJsZyE_G7N9lCn5oJS_duWedwd43NPMw4

    Like

  13. And Haiti had another monster 7.something quake this morning that smashed the crap out of that side of the island. Bigger than 2010… No idea how much it affected the Dominican Republic,

    I’m sure the industry giants are congratulating themselves on the foresight of insuring nothing on that poverty-stricken denuded speck in the Caribbean…

    sealintheSelkirks

    Liked by 1 person

  14. Kevin Hester says:

    “Finally, in March, came a fourth blow: Mr. Sattui’s insurers said they would no longer cover the winery that had burned down. Neither would any other company. In the patois of insurance, the winery will go bare into this year’s burning season, which experts predict to be especially fierce.”

    Special thanks to Joey Casey for this latest addition to the debate.

    Like

    • Warmest year worldwide so the first part of your sentence is no surprise.

      Most expensive for New Zealand insurance did you mean? With the hurricane season ongoing up here I’m expecting the US corporate world to freak the hell out in the next two months because the Atlantic storms are going to just keep coming. It’s going to get MUCH more expensive and they’re going to lose their asses.

      And probably more fires I would assume because it sure ain’t raining in the West yet, so add that to the growing list of payouts.

      But you have much snow expected to fall on the South Island peaks, much rain everywhere else, and big waves for the NZ surfers. Unless it’s too stormy because the winds that link was talking about will either blow it completely out or, if from the right direction on certain beaches, will be so strong offshore that nobody will be able to paddle into waves (or jet ski which has certainly become all the rage the last few years for big surf). Welcome to Spring down under, eh?

      sealintheSelkirks

      Like

  15. Kevin Hester says:

    Grab that “Flood Insurance” while you can.

    Like

  16. Kevin Hester says:

    “The state’s wildfire season has been bad enough that California Insurance Commissioner Ricardo Lara issued notices to insurers alerting them to cease non-renewals and cancellations of insurance coverage for communities with wildfire emergencies”
    Slip sliding away.

    https://www.insurancejournal.com/news/west/2021/09/14/631712.htm?utm_source=dlvr.it&utm_medium=twitter

    Like

    • Fire insurance is like a zombie in the US West, dead but still out chomping on people for those last big bites of sustenance. As is hurricane insurance across the southeast part of the country. The owners know what’s coming, they aren’t stupid just capitalist and greedy used-asswipes, and they will literally have to get out of the business pretty soon or risk total bankruptcy. But then the CEOs are still at the mercy of their shareholders who always expect more checks in the mail.

      Banks are going to have to change their requirements on buying homes I’m thinking or nobody will be able to own a home. Even the merciless vampire-like investment firms that have been buying up millions of single-family homes since Wbush’s 2007 Wall St. banker housing crash (that didn’t hurt the bankers one tiny bit) are going to be more than a little upset if their insurance payouts skyrocket. Notice how this Commissioner did not say the industry is required to not raise the policy costs. Was that a forgetful oversight? Doubt it.

      I’ve got neighbors that did find homeowner/fire insurance when we all got hit with cancellations a few years ago. Not the big firms, thought. Company names I’ve never heard of. I couldn’t so I’m facing total destitution if/when this property burns. Part of my Bug-Out Bag is a big tent…which I could pitch here once the ground cooled off enough to come back. What I would do for water, food, heat in winter or cooling in summer I have no idea.

      Like your Alaska sailor guy comments, where do you want to be when it all goes tits up? A ‘road refugee’ until you don’t have the money for gas and the cops sell the vehicle you live in at auction because you are a vagrant? Pushing a shopping cart talking to yourself in some urban slum zone? Nah…

      sealintheSelkirks

      Liked by 1 person

  17. Kevin Hester says:

    Companies that insure homes—a highly regulated $100 billion market—are wrestling with the growing risks of climate change, with its extreme weather, wildfires, and hurricanes. Surging costs threaten to reduce competition as smaller companies begin to exit high-risk areas, even as demand remains high. Indeed, homeowners insurance is required in order to obtain a residential mortgage in the United States, and premiums constitute a substantial proportion of homeownership expenses, comparable in some states to the cost of mortgage interest.

    “INSURANCE COMPANIES END UP RAISING PRICES IN NEW MEXICO AND MASSACHUSETTS MORE OFTEN THAN IN CALIFORNIA.”

    https://hbswk.hbs.edu/item/who-pays-for-wildfire-and-hurricane-damage-everyone?fbclid=IwAR34kyE7anuGsqd6oz9zsUfRx9Jz6X-sKuUaHQyy1GDNSegCB7zhB92pAVc

    Like

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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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