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Will Climate Change Make Your Home Uninsurable? | Amy Barnes | TED

Insurance is the hidden engine that keeps the economy churning, but climate change is making home insurance unaffordable for many people, says climate risk advisor Amy Barnes. She reveals why soaring premiums aren’t just bad news for homeowners, but also a flashing red signal for the global financial system — and why investing in resilience…

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Insurance is the hidden engine that keeps the economy churning, but climate change is making home insurance unaffordable for many people, says climate risk advisor Amy Barnes. She reveals why soaring premiums aren’t just bad news for homeowners, but also a flashing red signal for the global financial system — and why investing in resilience now could change everything. (Recorded at TED Countdown Summit 2025 on June 17, 2025)

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35 Comments

35 Comments

  1. @JohnLeeee-s4c

    October 13, 2025 at 11:02 am

    I watch your channel with pleasure. Your videos are always so exciting and high quality.🟡🛷🦒

  2. @RichardJohnsonon-w8f

    October 13, 2025 at 11:03 am

    Thank you so much for your hard work and creativity in content creation. Your videos are always interesting.💓🛫👙

  3. @mjusufatur

    October 13, 2025 at 11:07 am

    I love Holtow IRL !

  4. @sriwru

    October 13, 2025 at 11:07 am

    Insurance it self is a big scam.

  5. @BurgerOfMan

    October 13, 2025 at 11:27 am

    Climate + Control Scam, the end.

    • @kinsmed

      October 13, 2025 at 1:06 pm

      Please elaborate.

  6. @ender_wiggum

    October 13, 2025 at 11:29 am

    Flood insurance is available to nearly everyone in the USA, with very rare exceptions. The information she presented on that is false.

    • @kinsmed

      October 13, 2025 at 1:05 pm

      Looking forward to your TED Talk.

    • @mgailp

      October 14, 2025 at 3:12 am

      Available does not mean affordable. To have flood insurance on land that has never flooded would cost a little over half my monthly income.

  7. @CharlieWiseman-l1o

    October 13, 2025 at 11:38 am

    “Insurance is doing exactly what it’s supposed to be doing”

  8. @techcoachmahi

    October 13, 2025 at 11:41 am

    Climate change is hitting closer to home than we think.

  9. @lucasxpify

    October 13, 2025 at 11:45 am

    Sure, thats why billionaires are buying all coastal properties, including in islands like Hawaii that will vanish in case of this catastrophic situation. That wont happen, cuz the planet is getting colder if you measure it for more than a human life.

  10. @BaresarkSlayne

    October 13, 2025 at 11:50 am

    LA wildfires are a government problem, not a climate issue. Decades of preventing fires along with no resources put towards clearing tinder that has accumulated has made the slightest fire burn entirely out of control. California used to allow controlled burns to take care of this, but they have long since outlawed that, along with countries like Australia, which is why their wildfires are more wild than ever. As far as no access to flood insurance, that is extremely rare. I know of one place that this happened to, and it was after repeated flooding the government just bought out all the homes and no longer allows the building of homes in that area. And that is mostly due to the fact the whole area was built on a swamp, which was prone to flooding anyway. No, mortgage foreclosures are due to people buying houses in areas that are already untenable, not any new events. Flood areas have been flood ares for a long long time. In California, there are stories going back hundreds of year about whole mountains burning, from the native populations. Listen to how she talks about it: “People struggle to secure debt”. That is an indicator that something has gone horribly wrong, the fact that securing debt is the goal means that everything along the entire chain has gone completely awry.

    • @Robert-m8o6o

      October 13, 2025 at 7:42 pm

      My very first green design project was connecting a proposed wood burning power plant to a nearby plywood Mill so that this team from the power plant could be used to cure the plywood without using fossil fuels. It was all signed off the money was all in place we did the design I seen the site the plans for the lands to be harvested for down timber or all approved.. and then the greens got in there with baby Jesus and save the bugs. They actually killed a green project and devastated the town where the plywood Mill had to shut down because of all the investment they had made getting ready to use the waste Steam. Now it’s just a ghost town

  11. @Geospatial_Dave

    October 13, 2025 at 12:12 pm

    GIS and photogrammetry will be the backbone of this

  12. @kevinl4966

    October 13, 2025 at 12:40 pm

    Thank you…………….. .

  13. @Jasonxbr

    October 13, 2025 at 12:43 pm

    Simple answer is yes, insurance won’t touch homes with the highest probability of liability using data from weather, topography, coastal areas, algorithms predictions. 😢😢😢😢😢

  14. @paddleduck5328

    October 13, 2025 at 12:48 pm

    Sadly I’m sure

  15. @kinsmed

    October 13, 2025 at 1:02 pm

    What is with the EDITING?!

  16. @LordAugastus

    October 13, 2025 at 1:14 pm

    First they blame it on Russia, then inflation, now its climate…. But the only constant is the for profit motive of insurance… and profits are not made from fair exchange, they are made by exploiting labour, market, and resources… And since an insurance is a bet for something bad happening, the only winners are people who cash out a policy, or insurers that get all the money and try not to pay out…

    KInda a broken system of a failed state of late stage capitalism…. But TED is like, no, we get paid to peddle this crap to you, its not the reality, its the climate, Russia and inflation that are costing us more and more.

    • @thaiboxking31

      October 14, 2025 at 2:04 am

      Peoplr waking up

  17. @vdo3000

    October 13, 2025 at 1:24 pm

    If what she says happens, these homes will drop in value by a lot. If the price is right, I would pay cash and self-insure. I’m going to bet the climate change won’t be as bad as these people predict.

  18. @erikkorhonen

    October 13, 2025 at 1:50 pm

    except they arent ? at all in any way… this climate hysteria needs to end

    • @Jc-ms5vv

      October 13, 2025 at 9:36 pm

      Hahaha

  19. @agennarien2418

    October 13, 2025 at 5:16 pm

    1:15 you mean they (in USA) require it if you borrow money for the home. It is NOT required if you own your home outright. Then you just have to worry about predatory taxes, maintenance, and repair (including what could be covered under homeowners). Flood insurance is often a separate policy for those in floodplain. A home warranty plan is same concept. They are all banking on getting mote money in premium than claims being paid out…capitalism, business 101.

    Prevention and foregoing any lame plan is obviously the best option. Most can’t afford to start out that way. A community project to help neighbors with these projects like the Amish would be an amazing cultural improvement

  20. @CrystalBarry-o1m

    October 13, 2025 at 5:54 pm

    $BLV might just be the best low-cap setup I’ve seen all quarter.

  21. @GabriellaGivens

    October 13, 2025 at 5:56 pm

    It’s rare to find something so early with this much potential. Belvarium’s presale a gem.

  22. @urbanstrencan

    October 14, 2025 at 1:10 am

    Great talk, we had big floods here in Slovenia few years ago, and the insurance premiums went through the roof after that, especially on areas most exposed 😮😢

  23. @JafarKibiya

    October 14, 2025 at 7:27 am

    Good Information

  24. @lifemotivation6789

    October 14, 2025 at 7:57 am

    Interesting perspective — insurance isn’t just protection, it’s the backbone of modern progress. Without it, planes wouldn’t fly, surgeries wouldn’t happen, and dreams wouldn’t take off.

  25. @zettaiengineer4202

    October 14, 2025 at 4:43 pm

    Sudden onsets of uninsurability could be a trigger for foreclosures when property values drop into negative equity. Correlation is also a risk because even if you’ve improved resilience, your community may not have and so they (schools, hospitals, commercial centers etc.) may eliminate services or increase taxes accordingly.

  26. @michaelnorthey3108

    October 14, 2025 at 6:54 pm

    Satan fear tactic they said global cooling was going kill us then Satan change it to global warming then they change it to climate change was when the real storms come it’s the birth pains judgment day. The battle is in the mind to make you believe in deception.

  27. @oriain81

    October 14, 2025 at 8:52 pm

    Climate change from humans is a hoax…the earth has a cyclical climate. We didn’t cause the last 2 ice ages ..and yes we were there and survived both. No way fires were causing that.

    • @bonnieblu22

      October 14, 2025 at 9:16 pm

      I have to believe that this guy is just a big oil propaganda bot because it is just too hard to wrap my head around someone being so uneducated.

  28. @gasdive

    October 14, 2025 at 8:54 pm

    Last year my house insurance hit 1% of the replacement cost. (NSW Australia) That’s uninsurable as far as I am concerned. There’s nowhere near a 1% chance of a total loss every year.

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