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The Great Retreat: How Climate Risk is Reshaping the U.S. Insurance Market
The U.S. insurance market is undergoing a fundamental, climate-driven realignment. As premiums skyrocket and major insurers retreat from high-risk states like California and Florida, a new economic reality is emerging. This article analyzes the data behind the crisis, exploring the dual trends of rising consumer costs and corporate withdrawal. It examines the long-term consequences for housing markets, regional economies, and financial stability, arguing that the insurance industry's retreat is not a temporary correction but a permanent restructuring of risk distribution in America.