3 ms·

True, since they own all the beachfront property

throw0101d 1y ago
> True, since they own all the beachfront property Climate change does not mean just rising sea levels, but more extreme weather as well, which can include more flooding: warmer air holds more moisture, so when it eventually gets released it can be in downpours. See recent flooding in Texas. Poor people tend to live in the highest risk areas because the safer areas are desired most and so the people with money bid up prices there. When you hear headlines like "Trailer Park Destroyed by Tornado", and people ask "Who would live in 'Tornado Alley'?", the answer is "Poor people.".
- bko 1y ago
  Regarding people living in Tornado Alley because they can't afford to live anywhere else, insurance costs are much higher there, so not exactly a bargain. And plenty of wealthy people love high risk areas. Pretty much anything by a sea is high risk. And again, they pay for it with higher insurance rates. It's hard to get a good measure of damage caused by climate change. There are much touted statistics that say billion dollar weather events are more common than ever, but that's mainly due to things being more expensive and increased development (i.e. beach front properties) A more objective measure, although no perfect, is deaths caused by climate events. If climate events were more catastrophic over time, you would expect deaths to go up somewhat proportionally. To my knowledge, there haven't been major advances in rescue technology in the last 50 years or so. But we see this number has come down pretty drastically over the last 150 years. In the US it has also come down or stayed about the same https://www.statista.com/statistics/1269715/global-reported-deaths-from-climate-disaster-since-1970/ https://www.statista.com/statistics/1269715/global-reported-... https://ourworldindata.org/grapher/fatality-rates-in-the-us-due-to-weather-events https://ourworldindata.org/grapher/fatality-rates-in-the-us-...
  - n4r9 1y ago
    Is insurance a legal requirement for a trailer in Tornado Alley?
    - bko 1y ago
      Not if you own your trailer without a mortgage. If you have a mortgage you're pretty much required to have insurance. Not getting insurance doesn't make this cheaper really as you'll just lose your property completely every few years. Besides insurance rates are often highly subsidized by federal government and actually a really good bargain
      - n4r9 1y ago
        > Not getting insurance doesn't make this cheaper really as you'll just lose your property completely every few years It sounds a bit like the "Boots theory" of Discworld [0]. > insurance rates are often highly subsidized by federal government and actually a really good bargain This feels a bit inconsistent with your previous comment about living in Tornado Alley being "not exactly a bargain". What do you think about studies like this [1] which find a correlation between economic disparity and tornado risk? [0] https://en.wikipedia.org/wiki/Boots_theory https://en.wikipedia.org/wiki/Boots_theory [1] https://www.sciencedirect.com/science/article/abs/pii/S0166046216300333 https://www.sciencedirect.com/science/article/abs/pii/S01660...
        SauciestGNU 1y ago
        I've also heard anecdotes of people draining all their savings/retirement accounts to buy property in uninsurable areas of Florida because they can't get a mortgage. I don't see that working out well long term.
  - throw0101d 1y ago
    > It's hard to get a good measure of damage caused by climate change. The Insurance Bureau of Canada (IBC), for one, may disagree: * https://thepointer.com/article/2025-08-02/ontarians-are-paying-more-for-less-as-climate-change-hits-insurance-rates-advocates-are-demanding-answers https://thepointer.com/article/2025-08-02/ontarians-are-payi... * https://www.insurancebusinessmag.com/ca/news/catastrophe/canadas-property-insurance-under-stress-as-climate-risk-accelerates-544376.aspx https://www.insurancebusinessmag.com/ca/news/catastrophe/can... * https://www.lexpert.ca/news/finance-law/insurance-bureau-of-canada-warns-of-growing-risks-as-climate-related-losses-surge/391783 https://www.lexpert.ca/news/finance-law/insurance-bureau-of-... * https://www.ibc.ca/news-insights/in-focus/canadian-governments-need-to-emphasize-climate-defence-over-offence-for-the-rest-of-this-decade https://www.ibc.ca/news-insights/in-focus/canadian-governmen...

> True, since they own all the beachfront property Climate change does not mean just rising sea levels, but more extreme weather as well, which can include more flooding: warmer air holds more moisture, so when it eventually gets released it can be in downpours. See recent flooding in Texas. Poor people tend to live in the highest risk areas because the safer areas are desired most and so the people with money bid up prices there. When you hear headlines like "Trailer Park Destroyed by Tornado", and people ask "Who would live in 'Tornado Alley'?", the answer is "Poor people.".

bko 1y ago
Regarding people living in Tornado Alley because they can't afford to live anywhere else, insurance costs are much higher there, so not exactly a bargain. And plenty of wealthy people love high risk areas. Pretty much anything by a sea is high risk. And again, they pay for it with higher insurance rates. It's hard to get a good measure of damage caused by climate change. There are much touted statistics that say billion dollar weather events are more common than ever, but that's mainly due to things being more expensive and increased development (i.e. beach front properties) A more objective measure, although no perfect, is deaths caused by climate events. If climate events were more catastrophic over time, you would expect deaths to go up somewhat proportionally. To my knowledge, there haven't been major advances in rescue technology in the last 50 years or so. But we see this number has come down pretty drastically over the last 150 years. In the US it has also come down or stayed about the same https://www.statista.com/statistics/1269715/global-reported-deaths-from-climate-disaster-since-1970/ https://www.statista.com/statistics/1269715/global-reported-... https://ourworldindata.org/grapher/fatality-rates-in-the-us-due-to-weather-events https://ourworldindata.org/grapher/fatality-rates-in-the-us-...
- n4r9 1y ago
  Is insurance a legal requirement for a trailer in Tornado Alley?
  - bko 1y ago
    Not if you own your trailer without a mortgage. If you have a mortgage you're pretty much required to have insurance. Not getting insurance doesn't make this cheaper really as you'll just lose your property completely every few years. Besides insurance rates are often highly subsidized by federal government and actually a really good bargain
    - n4r9 1y ago
      > Not getting insurance doesn't make this cheaper really as you'll just lose your property completely every few years It sounds a bit like the "Boots theory" of Discworld [0]. > insurance rates are often highly subsidized by federal government and actually a really good bargain This feels a bit inconsistent with your previous comment about living in Tornado Alley being "not exactly a bargain". What do you think about studies like this [1] which find a correlation between economic disparity and tornado risk? [0] https://en.wikipedia.org/wiki/Boots_theory https://en.wikipedia.org/wiki/Boots_theory [1] https://www.sciencedirect.com/science/article/abs/pii/S0166046216300333 https://www.sciencedirect.com/science/article/abs/pii/S01660...
      - SauciestGNU 1y ago
        I've also heard anecdotes of people draining all their savings/retirement accounts to buy property in uninsurable areas of Florida because they can't get a mortgage. I don't see that working out well long term.
- throw0101d 1y ago
  > It's hard to get a good measure of damage caused by climate change. The Insurance Bureau of Canada (IBC), for one, may disagree: * https://thepointer.com/article/2025-08-02/ontarians-are-paying-more-for-less-as-climate-change-hits-insurance-rates-advocates-are-demanding-answers https://thepointer.com/article/2025-08-02/ontarians-are-payi... * https://www.insurancebusinessmag.com/ca/news/catastrophe/canadas-property-insurance-under-stress-as-climate-risk-accelerates-544376.aspx https://www.insurancebusinessmag.com/ca/news/catastrophe/can... * https://www.lexpert.ca/news/finance-law/insurance-bureau-of-canada-warns-of-growing-risks-as-climate-related-losses-surge/391783 https://www.lexpert.ca/news/finance-law/insurance-bureau-of-... * https://www.ibc.ca/news-insights/in-focus/canadian-governments-need-to-emphasize-climate-defence-over-offence-for-the-rest-of-this-decade https://www.ibc.ca/news-insights/in-focus/canadian-governmen...