Homes in areas increasingly prone to natural disasters often aren't covered by private insurance

The factors stirring up a home insurance storm

The cost of the average home insurance premium shot up 33% between 2020 and 2023 in the US, a trend mimicking heightened inflation. But beyond the cost, insurers are also pulling out of major markets like Florida and California, and millions of policies aren't being renewed as the number of $1B weather disasters continues to increase each year. Read up on the difficulties the home insurance market faces here.

Flood insurance policies from the National Flood Insurance Program cost just over $1,100 per year on average

Private residential policies range from $600 to $2,800 per year. Taking steps to lower flood risk in your home, such as installing flood vents or elevating home utilities, can make premiums cheaper.

A third of Americans now live in wildfire risk zones

Climate change and human development into fire-prone regions have extended the wildfire season, with some areas experiencing fire conditions year-round. Extreme conditions, poor compensation, and exposure to carcinogens have complicated firefighter recruitment, further exacerbating wildfire risks.

The Federal Emergency Management Agency leads the US response to disasters

Established in 1979, FEMA coordinates the government's response to hurricanes, wildfires, floods, and other disasters, providing funding, logistical support, and recovery assistance. In FY 2024, the agency spent $35.1B, nearly 40% of the Department of Homeland Security's total budget.

Should you get earthquake insurance?

Standard home insurance doesn’t typically cover earthquakes. Even if you don't live in a state that's known for its earthquakes like California, it might be worth considering—although it's worth noting that only 13% of California residents have earthquake insurance. Learn more about earthquake insurance in this article.

See how a 2018 fire in Paradise, California, exposed the limits of emergency coordination

This Frontline documentary shows how the Camp Fire stretched and ultimately overwhelmed the complex web of agencies involved in emergency response, including fire suppression, 911 dispatch, law enforcement, and emergency management, with catastrophic results.

Life insurance can can cover funeral expenses, loss of income, and more

Life insurance can act as a financial safety net if your main financial provider dies. Among other things, it can cover any debts that were left behind. In this video, a Yahoo Finance contributor dives into why life insurance could be the key financial protection your family needs.

The National Housing Act established the Federal Housing Administration

During the Great Depression, 1,000 homes were foreclosed on per day, and half of the mortgages across the country defaulted. To address this crisis, President Franklin D. Roosevelt signed the National Housing Act. It established the Federal Housing Administration, which is still around today and helps protect lenders and buyers.

Insurance 'float' is money collected based on insurance’s pay now, collect later model

The insurance “float” has treated Warren Buffett well. The “float” has earned him, and Berkshire Hathaway, billions of dollars. This article includes a letter from Buffett to Berkshire Hathaway shareholders in 2009, discussing the impact of the “float” on his long-term success.

Insurance denials prevent lifesaving care for patients with eating disorders

A patient living with anorexia nervosa was told by her insurance company that she wasn't sick enough to receive needed care. Her experience highlights how some insurers across Washington state focus on less useful metrics like body mass index and weight to gauge sickness instead of psychiatric symptoms that may better illustrate the urgency of receiving care.

The floating homes of Holland

Floating communities like Schoonschip in Amsterdam are offering a novel approach to combat climate change-induced flooding. With sea levels rising and storms becoming more intense, these floating neighborhoods are providing a sustainable flood defense solution. Learn how they work here.

There are five main types of FIRE

Many different types of FIRE exist, and their methodologies and end goals vary drastically. “Lean FIRE” followers, for instance, are minimalists who plan to live modestly in retirement. “Barista FIRE” proponents plan to work part-time in retirement.

Flood recurrence intervals are based on independent probabilities

The term "100-year flood" does not mean the event will only occur once every 100 years, but it has a 1% chance of occurring in any given year. Soil saturation, watershed size, and urban development can impact flood severity.

Private mortgage insurance protects the lender rather than the borrower

Also known as a “PMI,” private mortgage insurance may be required for those who have a conventional loan and put less than 20% down on their home. A PMI could also be required for someone refinancing their mortgage if they have less than 20% equity remaining in the property.

A third of Americans don't have the cash they need to cover a $500 emergency

That's according to a 2023 Federal Reserve survey. So what does the average American in this camp do when, say, their car breaks down? This video compares six of the most common ways Americans get money when they don't have it. As it turns out, some of them opt for payday loans, which this video argues are predatory.

Freestanding emergency departments are growing increasingly common

These satellite emergency rooms, though not yet approved in all states, are helping meet the need for emergency services beyond a hospital setting. But from an insurance perspective, they are considered emergency rooms—not urgent care. Freestanding emergency rooms grew tenfold from 2001 to 2016.

How dentistry evolved from carnival sideshow to respected medicine

The field, which has remained siloed from other medical care, also has a separate insurance system. This podcast walks through how and why dental insurance often remains capped at $1,500 primarily to cover cleanings, and it wouldn't cover catastrophes—unlike many other medical or housing insurance models.

An archive of the art of the Sanborn fire insurance maps

For a century, US insurance companies used Sanborn Fire Maps to decide the premiums customers would pay for fire insurance. These maps were designed to show the building materials used in each structure in 12,000 communities across 300,000 maps. While they have become obsolete, these maps are still useful for historians and urban designers, and anyone interested in lovely, original typography. Dive into the most artful Sanborn Fire Maps with this passion project collection.

Retail investors are getting burned by long/short strategies

In the US, many retail investors lack the SEC-mandated status (a high enough net worth, income, and other factors) to directly invest in hedge funds. The regulator considers hedge funds too risky for the masses. Hedge fund-like strategies have emerged as a workaround, despite potential pitfalls.

The Fair, Isaac and Company (FICO) was founded in 1956

When they created FICO, William Fair, an engineer, and his cofounder, Earl Isaac, reasoned that financial data could help a wide variety of companies improve business decisions. FICO created the first credit scoring system to help lenders be more objective.

Fair use may shield AI companies from potential copyright violations

AI models are trained on enormous datasets built from content scraped from websites across the internet. Copyright law includes a four-factor test to determine whether copies of content fall under fair use, but the law's enforcement has been inconsistent.

The way hurricanes are categorized may mislead the public to their dangers

The Saffir-Simpson scale categorizes hurricanes based on wind speed, but tropical cyclones' main dangers are storm surges and heavy rainfall. To better communicate risks to the public, a new system that incorporates hurricane size, water content, and other complexities should be developed.

Public libraries are funded by a mix of local taxes, state grants, and federal programs

Property taxes form the backbone of most library budgets, covering staff and operations. State grants expand access to literacy and technology programs, while federal funding helps libraries in rural and low-income communities.

What is a dependent care FSA?

Dependent care flexible spending accounts allow people who care for someone incapable of self-care to save pretax dollars to support the dependent person. However, there are stipulations. For instance, anyone seeking a dependent care FSA must be able to claim the individual as a dependent on their income taxes. Read more about dependent care FSAs here.

A map of the world's changing tree cover

As many of the world's tree species are at risk of extinction, keep track of the growth and decline of trees on Earth with this interactive map. Witness the state of forests worldwide by analyzing tree cover change on GFW’s interactive global forest map using satellite data. Learn about deforestation rates and other land use practices, forest fires, forest communities, biodiversity, and much more.

Fireworks-related ER visits are on the rise—in 2024, they increased by 52% as compared to the prior year.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

An investigation suggests a Scottish island became awash in forever chemicals via seafoam and seaspray—raising questions about what that means for the safety of other coastal areas.

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

Poison ivy will likely become both larger and more resilient due to climate change.

Some renewable energy sources may weaken the resiliency of electric grids by removing outage buffers provided by coal- and natural gas-fired plants, which provide the system with more time to find a new power source if a plant goes down.

Frank Lloyd Wright's houses are historically hard to sell because they're old, subject to local landmark commissions, and often unfashionable

Telehealth demand for GLP-1s for weight loss is booming as consumers seek easier access.

The United States is one of only around two dozen countries with a fully federal system of government, in which power is divided between national and state governments.

Apeirophobia is an overwhelming fear of living forever, perhaps stemming from the brain's inability to conceptualize an infinite life.

The American Society of Civil Engineers' infrastructure report card gave the US a C in 2025, its highest grade since the project launched in 1998.

In recent years a child anxiety expert has created and tested a novel phobia and anxiety treatment approach for children, focused on changing how parents respond to the fears.

Chaos theory—informally known as the butterfly effect—is the reason why weather forecasts are presented with probabilities rather than certainties.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

All rainbows are 'raincircles' caused by water droplets separating white sunlight into a spectrum of colors, but Earth's surface blocks the bottom half of the circle from our line of sight.

Explore an interactive map built from more than 100,000 survey responses on where people find joy in their lives

For centuries, Niagara Falls has been a magnet for daredevils seeking to conquer one of nature's most powerful wonders, with its 200-foot drop and water rushing at 32 feet per second with 280 tons of force.

Watch the cumbersome, but necessary, precautions healthcare workers must take to care for and protect themselves while caring for Ebola patients.

In 2025, four executives from large tech companies were given positions in the US Army Reserves—including Palantir Chief Technology Officer Shyam Sankar, which reinforced Palantir's ties with the US military and its role as a leading defense partner.

Explore the known asteroids, comets, and spacecraft involved in asteroid studies within our solar system with 'Eyes on Asteroids,' a 3D visualization from NASA.

Domino's Pizza's 30-minute delivery guarantee was responsible for the chain's 1980s surge, but it was discontinued after the company was found liable for delivery driver accidents.

Visualize how CRISPR-Cas9—a type of immune system used by single-celled organisms to attack invasive viruses—targets and makes precise changes to a gene's DNA.

Browse a detailed visual analysis of over 200,000 similes—comparisons that often use 'like' or 'as'—from popular fiction to see how frequently writers the same idiomatic expressions.

Corals are themselves not coral reefs—the term refers to the tiny marine invertebrates that build the rigid reef.