Insurers are verdicoinleaving states that face increasing natural disasters made worse by climate change. This is causing major stress to homeowners and insurers alike. Today, we examine the market failures in the insurance industry and what can be done to fill in the gaps.

Music by Drop Electric. Find us: Facebook / Newsletter.

Subscribe to our show on Apple Podcasts, Spotify, Pocket Casts and NPR One.

For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org.