> the people of California and Florida want insurance so they can build matchbox houses in high risk disaster zones, This has always been the case in Florida.

> the people of California and Florida want insurance so they can build matchbox houses in high risk disaster zones, This has always been the case in Florida. Insurance simply costs more to compensate for risk. Flood insurance is separate in the US (and very costly). California might have more to do with the regulatory and legal environment. > now wildfires and hurricanes are way worse and getting even more worse. What happened to the climate/weather distinction? So, every hot day and hurricane is evidence if the earth warming? Every cold day and blizzard is a temporary local weather event, not indicative of the long term trend?