Illuminating the Home Insurance Crisis

The deeply intertwined crises of fossil fuel-driven climate change, rising insurance premiums and declining coverage, and housing injustice are escalating. The Revolving Door Project is trying to shed light on these problems in a way that helps organizers, advocates, and policymakers advance equitable and sustainable solutions.

This page was originally published in April 2025 and has been regularly updated. The last update took place on March 17, 2026.

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Reports/Resources

Tracking State Insurance Commissioners (March 2026)

• This report and database summarize information about current state-level insurance regulators and their immediate predecessors, including details about their professional backgrounds and, in the case of ex-regulators, their subsequent career moves.

Mapping Home Insurance Regulation (March 2026)

• This resource contains interactive maps and tables documenting state-based regulatory differences and the extent to which various state insurance departments are under-resourced.

TRACKER: Trump’s Disastrous Disaster Policy (July 2025, last updated January 2026)

• This resource includes an interactive timeline documenting the Trump administration’s assault on disaster mitigation, preparedness, response, and recovery, including its attacks on adaptive planning and resilient infrastructure.
• It also includes an interactive map documenting how Trump’s FEMA has delayed or denied federal disaster aid, including hazard mitigation grants.

Mapping the Home Insurance Crisis (with Public Citizen, April 2025)

• This report contains a series of interactive maps and tables to help people make sense of the climate change-fueled home insurance crisis.
• Follow-up work:
  • Don’t Let Home Insurers Fool You. They’re More Profitable Than Ever (July 2025)
    • This piece explains how home insurance companies are making record profits amid the climate crisis—a crisis they are exacerbating by continuing to invest in and underwrite fossil fuels.
      • Discussed on KTVU FOX 2
  • Mapping the Home Insurance Crisis: A Closer Look at North Carolina (with Public Citizen, June 2025)
    • This piece uses state-level maps to shine a critical light on North Carolina Insurance Commissioner Mike Causey.
  • Attacks on Federal Climate Data Will Accelerate a Financial Crisis (with Public Citizen, June 2025)
    • This piece describes how, instead of confronting the climate-driven home insurance crisis with the full force of public data and oversight, many state regulators and federal lawmakers are trying to blindfold the public and hinder the institutions designed to help—increasing the odds of a property-triggered financial crisis.

Demystifying the National Association of Insurance Commissioners (with Climate Cabinet, April 2024)

• This report explains how the NAIC—a de facto trade organization that effectively sets state insurance policy—works to stave off federal regulation while setting the lowest possible bar for state regulators, who are often captured by industry interests.

Articles

The Trump Regime Is Making Disasters Worse (The American Prospect, January 2026)

Forsake Some, Fleece the Rest (Dollars & Sense, online – December 2025, print – January/February 2026)

• Discussed on The D&S Debrief

Trump Has Already Shattered FEMA Without Eliminating It (RDP Blog, December 2025)

Trump’s Katrina Is Coming (The American Prospect, December 2025)

Amid The Shutdown, Flood Insurance Profiteers Are Riding The Wave (The Lever, October 2025)

Home Insurance Executives Are Raking It In—at Your Expense (The American Prospect, July 2025, with Public Citizen)

We Need the Federal Government to Protect Us from Climate Chaos (RDP Blog, July 2025)

Trump’s Attack on Government Capacity Will Fan the Flames of the Home Insurance Crisis (The American Prospect, January 2025)

The Climate Crisis Is a Cost-of-Living Crisis (The American Prospect, November 2024)

What Harris Needs to Say About Hurricanes (The New Republic, October 2024)

The U.S. Midwest’s Home Insurance Crisis Should Be a Wake-Up Call (RDP Blog, April 2024)

Democrats Must Start Distinguishing Themselves on Insurance Policy (The American Prospect, April 2024, with Climate Cabinet)

• Discussed on Arnie Arnesen’s podcast

Jay Powell’s Legacy Depends on Whether He Steps Up on Climate Risk (The American Prospect, August 2023)

Photo 1: An aerial view of damage from the Palisades Fire in Los Angeles County, California. Taken in January 2025 by the California National Guard and licensed under CC BY 2.0.