The moth has no answer, so he spins a cocoon.<quoted text>
What about when insurance companies refuse to insure as they access the risk in disaster prone areas from climate change. Not only will premiums rise in some places point blank refusal. This has already happened in other parts of the world.
Flood insurance rates in Florida have gone up so much that only the richest will be able to live on the coast.
I heard of a premium increase of $1,800 to $15,000 a year.