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.

Reports/Resources

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.

Demystifying the National Association of Insurance Commissioners (with Sunrise Project/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.

State Insurance Commissioner Tracker (last updated December 2024)

• This tracker provides information about all 56 state-level insurance commissioners, including their professional backgrounds and details surrounding their appointments or elections. State insurance regulators cannot tackle this crisis on their own, but their role in aggravating or ameliorating it deserves greater scrutiny.

Articles

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)

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