Posts Tagged ‘climate’
“Adaptation and mitigation are two sides of the same coin. If mitigation is about preventing the unmanageable, adaptation is about managing the unavoidable.”*…

Adapting to climate change is quickly becoming part of everyday life. Nabig Chaudhry outlines seven trends we’re seeing for 2026 and beyond…
Within the climate and scientific communities, there’s growing concern about how quickly the world is approaching (and may exceed) 2°C of warming. 2024 was the first calendar year in which global average temperature exceeded 1.5°C above preindustrial levels. The impacts of rapid warming are becoming harder to miss: The climate is changing quickly almost everywhere, local and global climate risks are growing, progress on mitigation has become more politically constrained and uncertain, and many of our systems and policies aren’t prepared for the conditions ahead.
Growing climate risk is increasing the demand for new technologies, tools, strategies, and ways of thinking about climate adaptation. Since publishing our Insights on Climate Adaptation in 2025 report, the practice of climate adaptation has continued to develop, as more people, communities, organizations, and institutions work to understand and respond to climate risks.
People use different language to describe climate adaptation (including climate resilience), but the work centers on helping people, communities, and organizations manage the risks of a changing climate. Those activities are expanding, and we can already see signs. For example, new funding and investment vehicles are emerging, such as Tailwind Futures, and adaptation is receiving more dedicated space at major climate convenings, including The Adaptation Forum, a co-hosted gathering of thought leaders in the adaptation space during Climate Week NYC 2025.
In my role as Director of Climate Adaptation Research at Probable Futures and through my PhD program at the University of California, Berkeley, I speak with experts, read emerging research, and study adaptation developments every day. Through these conversations and insights, I’ve reflected on which adaptation trends are likely to emerge and strengthen…
Chaudhry npacks seven different trends; here, let me highlight two. The first is one that (Roughly) Daily has visited before, insurance…
Elevating insurance as a force in adaptation planning, policy, and behavior
Insurance is a valuable adaptation tool, as it can transfer risk, support recovery after climate shocks, and help signal where danger is increasing through premiums, deductibles, coverage limits, or insurer retreat. It can also shape incentives, because the way risk is priced can influence whether and how people and institutions reduce exposure, strengthen buildings, or avoid certain kinds of development.
As climate risks grow, damage to property and homes becomes more frequent and severe. Property owners are experiencing those shocks both physically (flooding, fire, wind damage, etc.) and financially as insurance markets adjust and recalibrate in response to changing probabilities and severities. Insurance markets have begun reflecting climate risk, and those changes are starting to influence where and how people build homes and infrastructure, where they invest in property, and where they choose to live.
A useful example of how insurance is beginning to influence adaptation efforts in the public sphere is Strengthen Alabama Homes, a program of the Alabama Department of Insurance. The program provides grants to help homeowners retrofit their homes and roofs to reduce wind damage from extreme winds and storms. Homeowners who participate can receive discounts on the wind portion of their homeowner’s insurance premium, which makes insurance not only a tool for recovery but also a tool for encouraging adaptation before exposure occurs.
Insurance pricing is one way climate risk is made visible, priced, and acted on through adaptation. I expect that insurance will increasingly influence adaptation planning, policy, and behavior, not only by helping people recover after climate shocks, but by shaping the choices people make before those shocks occur. The development of the insurance industry will therefore be an important factor in adaptation. If insurers become a source not only of risk pricing but also of risk information, adaptation guidance, and incentives to reduce risk, they could help more people act before losses occur. But that would require a meaningful shift in the role of insurance companies, from mainly pricing and transferring risk to also helping people reduce it…
The second goes to the contentious topic of geoengineering…
Expanding debate around the role of climate intervention
As warming continues, risks keep growing. We have more, clearer, worrisome signals that irreversible change, tipping points, and local climate changes so severe that adaptation is impractical if not impossible, are not far off. In response, people and institutions are starting new conversations about global-scale responses. One of those responses is climate intervention, sometimes called geoengineering.
Climate intervention generally refers to intentional efforts to alter Earth’s systems in order to counteract some of the effects of climate change. It can include approaches that remove carbon dioxide from the atmosphere, as well as approaches that reflect a portion of sunlight back into space, such as stratospheric aerosol injection.
Its relationship to adaptation is uneasy, but important. If climate intervention is, at its core, an effort to manage the otherwise unmanageable risks of global climate change, then is it another tool for adapting to climate change, or is it something fundamentally different? There is no consensus, and there may never be, not least because global action will cause uneven responses locally. We don’t know much about the potential impacts of some climate interventions, how they could affect different regions unequally, or what long-term consequences they may have for Earth’s climate and natural systems.
There are good reasons to have informed conversations and do fundamental research on intervention. People with adaptation expertise can help explore, illuminate, and explain what climate intervention could mean for society and nature. There are also likely to be benefits for adaptation professionals to participate in these conversations and research projects. Even if climate intervention is never widely deployed, the debate itself may shape adaptation thinking, climate policy, research funding, public trust, and international governance.
Climate change requires people to consider risks and options, whether for mitigation, adaptation, or intervention. Treating strategies for managing the rate, pace, and impacts of climate change as distinct and separate is unlikely to lead to good outcomes. I am hopeful that there will be more collaboration across these new fields as society faces new challenges that have a common root cause. This may include more discussion about how these technologies should be governed, whether they should receive more investment, and whether climate intervention is a possible third leg alongside mitigation and adaptation…
Eminently worth reading in full: “The near-term future of climate adaptation: emerging trends.”
* U. N. Environmental Program
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As we prepare, we might recall (wistfully) that it was on this date in 1942 that Bing Crosby, with the Trotter Orchestra and the Darby Singers, recorded Irving Berlin’s song, “White Christmas.” According to the Guinness Book of World Records, this version is the best-selling single of all time with an excess of 50 million copies sold worldwide. (In fact, the version most often heard today is not the original. After frequent use, the master had become damaged, so on March 18, 1947, Crosby re-recorded the holiday hit.)
“What is really amazing, and frustrating, is mankind’s habit of refusing to see the obvious and inevitable until it is there, and then muttering about unforeseen catastrophes”*…

One of the effectively-secret ingredients in the world’s economic growth over the last couple of centuries has been insurance. The ability to insure against catastrophic loss has underwritten (pun intended) the trillions and trillions of dollars of loans that have funded the construction and acquisition that has enabled the growth of both commercial endeavor and the the accumulation of personal wealth (directly through home ownership and indirectly through equity ownership in those commercial endeavors or participation in pension schemes that own that equity).
But in a way that was enitrely predictable, climate change is rendering a growing portion of the world uninsurable. Gavin Evans ponders what that might mean…
The Florida peninsula looks like a sore thumb. It juts into the Gulf of Mexico and the Atlantic, where the water is getting warmer year on year, prompting fiercer hurricanes that can blow down houses like collapsing decks of cards. Climate scientists are convinced all hell will break loose sooner or later when a monster-sized, property-destroying storm makes a direct hit on Miami or Tampa-St Petersburg. Given three near-misses in the recent past, the experts view such a calamity as inevitable. It’s a huge risk for anyone living there – they stand to lose everything – but also for those bearing the financial side of this risk, the insurance companies. Some in the industry are seeing this as a portent for their future – an impending existential threat with profound implications for the economic system.
There are no easy solutions for people still paying off mortgages and those who want to buy property along the Florida coast, because the potential payout on the back of a mammoth storm is so high that the reinsurers (who insure the insurers against catastrophe) are refusing to underwrite their clients and, with no reinsurance, there’s no insurance; and with no insurance, no mortgages; and with no mortgages, no property market. Insurance protects investments against loss and is therefore a pillar of the economic system. If it goes, economies are destabilised.
Many panicked homeowners have rushed to make their houses less risky for insurance companies by reinforcing their roofs with hurricane clips, installing impact-resistant windows, doors and shutters, and strengthening their foundations. But it’s not just storms and higher, warmer seas that concern insurers. Rising temperatures mean that the frequency, range and ferocity of wildfires are also on the rise.
So far this year, 3,374 wildfires have burned an area of Florida totalling 231,172 acres (at the time of writing), and it is even worse in California where 7,855 blazes have killed at least 31 people, destroyed more than 17,000 houses and devoured 525,208 acres of land, at an estimated cost of more than $250 billion. Here, too, homeowners rushed to make their properties more palatable to cold-footed insurers – clearing their surroundings of anything flammable, covering yards with gravel, sheathing houses with fire-resistant stucco, and replacing wooden roofs with steel.
But, even for the most diligent, insurance companies have turned tail, dumping existing clients and abandoning fire-prone and storm-prone areas altogether. On the Californian fire front, 2024 was a turning point as several insurers ceased issuing new policies because of fire-associated risks, including the United States’ biggest property insurer, State Farm, which cancelled policies in parts of Los Angeles. It is all too easy to view this cynically, but it’s happening because property insurers have been reporting year-on-year losses from climate change-related payouts.
Insurance companies survive by making more money from covering risk than they lose from these risks, which is why they prefer clients less likely to claim (insofar as they can predict the risk involved) and require them to pay substantial excess to discourage claims. When payouts rise above the premium intake, insurance companies either hike up these premiums or withdraw. But when that risk is considered catastrophic, potentially affecting many thousands of clients, as with Floridian storms and Californian fires, it is the reinsurers who are the first to retreat because they will ultimately bear most of the cost.
Reinsurers aggregate payout patterns to establish the likelihood of having to make huge payouts from future natural catastrophes. They do this by gathering exposure data from existing insurers in a geographical area, and by examining catastrophe models (computer simulations that estimate potential losses from natural perils). When they put all this together with detailed analysis of conditions within the area, they come up with a figure for their total potential loss if a catastrophic event strikes.
This is why reinsurers focus so intensely on climate change. Take a glance at the websites of big ones like Swiss Re and Munich Re and you get a sense of how central this is to their calculations – a concern that has spread to property insurers who are starting to hire climate consultants. Even more than market volatility, climate is their biggest headache. ‘You won’t meet a single insurance or reinsurance CEO who doesn’t believe in climate change,’ the insurance investor and former Lombard Insurance CEO James Orford told me. ‘They see it in the numbers – a combination of more extreme, less predictable events, combined with big losses of sums insured. All the modelling suggests these are uninsurable risks.’…
[Evans recaps the history of insurance, starting in Genoa, in the mid-14th century, with the insuring of maritime expeditions; examines the current state of play; examines the efforts (and gauges the weaknesses) of state’s efforts to step up with coverage when insurers step away; then considers another role for states…]
If states do withdraw from insurance and reinsurance, some of the most lucrative areas of the US, Canada, Europe, Asia, Africa and Australia will be devastated: no mortgages and no banks, leading to more ghost towns and villages. ‘It ends with depopulation and abandonment,’ said Agarwala. ‘Climate change reduces the operating space for humanity.’ In the UK, rising sea levels and coastal erosion could literally reduce operating space, putting 200,000 British homes at risk by 2050. There’s no coastal-erosion insurance, which puts more burden on the state, mainly to pay for new defences, but also to help people move.
Governments can take action in other ways, by investing greater sums in risk-prevention and management. There are signs of this happening such as the ‘fire-hardening’ and storm-prevention efforts in Florida, and improved flood defences in the UK; meanwhile, the EU’s Recovery and Resilience Facility is being used in several countries to build and renovate operations centres to cope with wildfires, and to buy firefighting helicopters.
In future, it is likely that voters will demand that their state and national governments do far more, regardless of the cost. They will want tougher building codes, including limitations on building in risky areas; expensive fire-prevention and fire-fighting schemes; better flood and storm defences; improved early catastrophe management, involving relocating people from risky areas and, when disaster strikes, rapid life-saving interventions such as large-scale emergency evacuations. If the insurance industry is forced to retreat by the climate crisis, all of this infrastructural investment will require vast chunks of taxpayers’ money. It is hard to avoid the feeling that this is part of our destiny, and that the sore thumb of the Florida peninsula is pointing us to the future…
Whole regions of the world are now uninsurable, bringing radical uncertainty to the economy: “The insurance catastrophe,” from @aeon.co.
See also: “An Uninsurable Country” (a report form NRDC), “The Insurance Crisis Is So Desperate People Are Turning Socialist” (a gift article from Bloomberg), and “The Uninsurable Future: The Climate Threat to Property Insurance, and How to Stop It” (from Yale Law Review)
* Isaac Asimov
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As we cover up, we might send highly-charged birthday greetings to a man who made foundational contributions both to the detection of climatic conditions and to a technology that may help allieviate climate change: John Frederic Daniell was born on this date in 1790. Named the first professor of chemistry at the newly founded King’s College London in 1831, he was an avid meteorologist. He invented the dew-point hygrometer known by his name and a register pyrometer; in 1830 he erected a water-barometer in the hall of the Royal Society.
But Daniell is better remembered as a chemist (and physicist), especially for his invention of the Daniell cell, an element of an electric battery much better than voltaic cells, the standard before him. Indeed, the Daniell cell is the historical basis for the contemporary definition of the volt (the unit of electromotive force in the International System of Units). All advances in battery technology since then were “from” the base that Daniell laid.
“There are things done today in electrical science which would have been deemed unholy by the very men who discovered electricity, who would themselves not so long before have been burned as wizards”*…
Climate change continues. There is broad evidence (and consensus) that our environment, thus our ways of life, our livelihoods— indeed, our lives— are threatened. On the heels of a call from Trump to world leaders to abandon the climate fight, followed by a disappointing COP30 conference, it’s easy to be discouraged. But that, of course, is no answer.
Rather, we have to find ways to mitigate the damage that we’ve already locked in, even as we acclerate a transition to clean energy… which begins by (re-)framing and (re-)focusing the challenge. Ember, a clean energy think tank, suggests a candidate that, while it speaks to the moral obligations addressed by one of the models it means to augment/replace, has a more positive orientation…
Humanity is graduating from burning fossil commodities to harnessing manufactured technologies—from hunting scarce fossils to farming the inexhaustible sun, from consuming Earth’s resources to
merely borrowing them.This isn’t a marginal climate substitution. It’s an energy revolution.
The magnetic centre is the electron: we are revolutionising how we generate, use, and connect
electrons. Solar and wind are conquering electricity supply. EVs, heat pumps, and AI are electrifying major new uses. Batteries and digitalisation are connecting supply and demand.Three reinforcing shifts. One energy revolution. The electrotech revolution.
At its core, this revolution is driven by physics, economics, and geopolitics. After all, the arc of energy
history bends towards solutions that are leaner, cheaper and more secure.Short-terms setbacks matter, but fundamentals matter more. And the fundamentals are stacked in electrotech’s favour.
Physics. Electrotech makes a mockery of setting fossils on fire and losing two-thirds of the energy to heat. Electrotech is three times as efficient.
Economics. Technologies get cheaper with scale. Commodities get more expensive the deeper you dig.
Geopolitics. Three quarters of the world is dependent on fossil imports. 92% of countries have renewables potential over 10x their current demand.
Electrotech has grown exponentially for decades. The difference today is that it’s too cheap to contain and too big to ignore. If current exponentials hold for five more years, global fossil demand will fall off its plateau.
Welcome to the Age of Electrotech…
A long and meaty presentation: “The Electrotech Revolution- the shape of things to come,” from @ember-energy.org.
One notes that the electrification that Ember pushes has other advocates, many of whom have been vocal for years; c.f., e.g., Saul Griffin. Still, another voice in the chorus is welcome.
* Bram Stoker
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As we plug in, we might send charged birthday greetings to Franz Aepinus; he was born on this date in 1724. A mathematician, scientist, and natural philosopher, he is best known for his research, both theoretical and experimental, into electricity and magnetism. Aepinus’ Tentamen theoriae electricitatis et magnetismi (1759; “An Attempt at a Theory of Electricity and Magnetism”) was the first work to apply mathematics to the theory of electricity and magnetism. And his experiments led to the design of the parallel-plate capacitor, a device used to store energy in an electric field.
“We are the first generation to feel the effect of climate change and the last generation who can do something about it”*…
One of the issues that vexes coordinated response is a paradox that lies at the heart of the phenomenon: Earth’s climate is chaotic and volatile. Climate change is simple and predictable. How can both be true? Joseph Howlett explains…
The Earth’s atmosphere is nothing but freely roaming molecules. Left alone, they would drift and collide, and eventually even out into a mixture that’s dynamic, yet stable and broadly unchanging.
The sun’s rays complicate things. Energy enters the Earth system in daily cycles, the bulk of it going to whichever half of the planet is tilted toward the sun (and experiencing summer). The molecules in that half acquire more energy than others, which sets the global atmosphere steadily swirling. Depending on the season and location, molecules in our atmosphere might traverse warm land, then cold seas. They might encounter a mountain range that forces them to high altitudes, where the air pressure is low and water condenses. Then they might become part of large-scale phenomena, such as currents, atmospheric rivers, turbulent jet streams and continental fronts.
These phenomena are erratic. They interact at every scale and manifest as weather, from clear sunny days to blustery blizzards and the anomalous events — from hurricanes and polar vortices to hailstorms and tornadoes — that are happening with increasing intensity. Any thought of stability is illusory; no patch of molecules dances in isolation.
The result, from seemingly simple inputs of molecules and energy, is emergent, incalculable chaos. Some individual molecule in the room you are sitting in is careening about blindly and colliding with its immediate neighbors. Zoom out — block to city, field to landscape, region to continent — and patterns appear and intermix. Complexity abounds and compounds. Nothing in the atmosphere is untethered from the rest of the global picture.
We live with this unpredictable mess of an atmosphere every day. We tote around unopened umbrellas, or refresh weather apps and watch our weekend plans dissolve. Anticipating conditions any further out than a week or two is a fool’s errand. The Earth is a complex dynamical system — an interwoven mass of moving parts, each of which requires a different branch of science to understand. Even with advanced knowledge, sophisticated algorithms and modern instruments, it defies and eludes us.
Yet this engine of chaos is now under our influence. It is incontrovertible fact that we are changing the Earth’s temperature by adding more carbon dioxide to the atmosphere. We know exactly how we are changing it — that when we double the proportion of carbon dioxide in the thin layer that rests over the surface of the Earth, the planet will become 2 to 4 degrees Celsius warmer, overall, than it is today. This conclusion has remained essentially unchanged since 1896, when the Swedish scientist Svante Arrhenius arrived at an estimate of 2 to 5 degrees. (Using an extraordinarily simplified picture of Earth, he made a number of mistakes that, in the end, balanced out.) Some details may remain uncertain, some chaos untamable, but the basic conclusion is a matter of unwavering scientific agreement — 97% is a rare degree of consensus on almost any subject. We are nearly as sure of this as we are of the causes of infectious disease, or how stars form, or the fact that life evolves through natural selection.
oth things are true: The climate system is vastly complex, and we’re certain about what we are doing to it. How can we be so confident in a hundred-year projection when we can’t predict the weather with any reliability more than a week out?
“How can it be that both are true?” said Nadir Jeevanjee, an atmospheric physicist at NOAA’s Geophysical Fluid Dynamics Laboratory, a leading institution for cutting-edge simulations of the atmosphere. “It’s a huge tension that’s lurking behind the whole conversation.”
It turns out that complexity can be a veil concealing more basic truths. An enormously complicated system can yield simple answers. You just have to ask a simple enough question…
Read on for Howlett’s fascinating– and important– explanation: “The Climate Change Paradox,” from @quantamagazine.bsky.social.
And for a reminder that this matters (as though we need one…): “Human-Caused Warming Tripled the Death Toll of European Heat Waves This Summer, New Report Shows,” from @insideclimatenews.org.
* Barack Obama
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As face reality, we might recall that on this date in 1988, the #1 song in the U.S. was Bobby McFerrin‘s “Don’t Worry, Be Happy,” the first a cappella song to reach the top of the Billboard Hot 100 chart, a position it held for two weeks.
(Produced by Colossal Pictures, Directed by Drew Takahashi)







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