Climate and insurance create a perfect storm of challenges for Louisiana

Like a lot of people in Louisiana, the company that provided my homeowners insurance went bankrupt this year.

Finding a new insurance company was stressful, though a kind and capable insurance agent made the process a little easier. I eventually obtained coverage through Louisiana Citizens, our state-run insurer of last resort. My annual premium increased by nearly $2,000, and is now 50% higher than my previous premium.

As a coastal scientist, the event was a wake-up call to what insurance, a seemingly boring part of homeownership, reveals about our state’s future…

Click to continue reading Dr. Alex Kolker’s article on

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