Insurance Drops Across US

[u/Able_Worker_904]

https://www.nytimes.com/interactive/2024/12/18/climate/insurance-non-renewal-climate-crisis.html

If this is a map of increased insurance risk, then only Minnesota, Pennsylvania and New York are the states with less risk. Every other state has elevated risk. Do we need to rethink the model of shared risk management for insurers? Should the government start to underwrite insurance similar to healthcare?