> If people's home insurance suddenly jumped up 1000% due to recalculated natural disaster risks, that would suddenly make people rethink their positions. Ins

> If people's home insurance suddenly jumped up 1000% due to recalculated natural disaster risks, that would suddenly make people rethink their positions. Insurance costs what it does due to the risk of paying out. Changing risks makes the price of the insurance change as well. If insurance companies aren't changing their prices, then the risk isn't changing either. By asking to inflate the cost of insurance artificially, you're really only pointing out that natural disasters have not yet increased enough to notice.