npub15zu89j2k6sja8qgcs5qdu2pfra5kemhlgeern2cpcw2svkuvkudqu3s7lx (npub15zu…s7lx) definitely. Actuaries have known for years.
The problem is climate change is going to put vast swathes of heretofore 'safe' property into the 'needs subsidies' market as insurance companies retreat