Flooding Insurance

This project will investigate how climate change–driven natural disaster risk is reshaping the home insurance market in Massachusetts, leading to rising premiums, coverage reductions, and policy non-renewals. The team will analyze state insurance data, census demographics, and historical disaster records to identify geographic and socioeconomic patterns in insurance rate changes. A central focus will be examining how these shifts disproportionately impact lower-income and environmentally vulnerable communities, potentially limiting residents’ ability to maintain homeownership and financial stability. The findings will support reporting on environmental justice implications, industry response to climate risk, and the growing financial burden placed on the state as the insurer of last resort.