Carolyn Kousky
speaker
52 appearances
1 recordings
1 series
first heard Jun 2026
last heard 29 Jun
Carolyn Kousky’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
Appearances
Risk is invisible.
People don't see risk until something bad's happening, unless you're the person running the models and doing the assessments.
And I look at the economic impacts of climate change.
That's a good question.
And I think how doomed the industry is depends a lot on policy interventions and what we do in the next few years.
Rising insurance rates have been a confluence of things.
And it is definitely the case that because of our prior period of high inflation, supply chain disruptions, labor shortages, that is part of what's driving up higher insurance costs.
Absolutely.
What we also see, though, is that rates are going up even more in the areas of high climate risk.
And where insurers are pulling out of markets, it's areas of high climate risk.
And as risks go up, you can increase the cost of insurance to still keep it viable.
But then you're making it harder and harder for low and middle income Americans to afford the coverage they need.
That is now front and center for lots of people.
The increasing rates, the declining availability have really started to hit households in a way that's really making clear the economic impacts of climate change.
And so I think we're at a window where we know we need solutions.
We can't keep letting this spiral out of control.
And if we are not careful in those, though, we could lock in policy change that doesn't lower our risk going forward and essentially makes insurance a luxury of the affluent.
And so I think we need to think really carefully about our policy interventions at this moment and make sure they're getting us the long-term objectives that we want.
Yeah, so that's the rise of what are called catastrophe models.
These are big models that insurance use to decide where to offer policies and how much to charge for them.
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