Posts Tagged ‘meteorology’
“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.
“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)
“You cannot escape the responsibility of tomorrow by evading it today”*…
… But you might be able to make a buck on it.
We humans are prone to illusions– ideological enthusiasms, avoidance, et al.– that don’t just allow, but encourage us to avoid hard truths. If there’s one sector in which that’s less true, it’s likely finance– where the altogether unemotional logic of profit-making prevails. But as Corbin Hiar illustrates, that can accrue as finding ways to profit from, rather than avoid, the problems that are brewing…
Top Wall Street institutions are preparing for a severe future of global warming that blows past the temperature limits agreed to by more than 190 nations a decade ago, industry documents show.
The big banks’ acknowledgment that the world is likely to fail at preventing warming of more than 2 degrees Celsius above preindustrial levels is spelled out in obscure reports for clients, investors and trade association members. Most were published after the reelection of President Donald Trump, who is seeking to repeal federal policies that support clean energy while turbocharging the production of oil, gas and coal — the main sources of global warming.
The recent reports — from Morgan Stanley, JPMorgan Chase and the Institute of International Finance — show that Wall Street has determined the temperature goal is effectively dead and describe how top financial institutions plan to continue operating profitably as temperatures and damages soar.
“We now expect a 3°C world,” Morgan Stanley analysts wrote earlier this month, citing “recent setbacks to global decarbonization efforts.”
The stunning conclusion indicates that the bank believes the planet is hurtling toward a future in which severe droughts and harvest failures become widespread, sea-level rise is measured in feet rather than inches and tropical regions experience episodes of extreme heat and humidity for weeks at a time that would bring deadly risks to people who work outdoors.
The global Paris Agreement, from which the U.S. is withdrawing under Trump, aims to limit average temperature increases to well below 2 degrees Celsius. Scientists have warned that permanently exceeding 1.5 degrees — a threshold the world breached for the first time last year — could lead to increasingly severe climate impacts, such as the demise of coral reef ecosystems that hundreds of millions of people rely on for food and storm surge protection.
Morgan Stanley’s climate forecast was tucked into a mundane research report on the future of air conditioning stocks, which it provided to clients on March 17. A 3 degree warming scenario, the analysts determined, could more than double the growth rate of the $235 billion cooling market every year, from 3 percent to 7 percent until 2030.
“The political environment has changed, so some of them are conforming to that,” Gautam Jain, a former investment banker who is now a senior research scholar at Columbia University, said of Wall Street’s increasingly dire climate projections. “But mostly it is a rational business decision.”
The new warming estimates come as heat-trapping gases continue to rise globally and as international commitments to limit the burning of oil, gas and coal that’s responsible for the bulk of emissions have stalled. Meanwhile, megabanks like Wells Fargo are backsliding on their previous climate pledges and exiting from the Net-Zero Banking Alliance, a United Nations-backed group that encouraged members to slash their emissions in line with the Paris Agreement.
Morgan Stanley, which in October watered down its climate-related lending targets, declined to comment.
Betting on potentially catastrophic global warming is both an acknowledgment of the current emissions trajectory and a politically savvy move in the second Trump era, according to Jain.
“Nobody wants to be seen as going against” the administration’s pro-fossil-fuel energy policy, he said. “These banks are businesses, so they have to look at the risk that they have in their portfolio and the opportunities that they see in the most likely environment.”…
Making hay in the havoc: “Big Banks Quietly Prepare for Catastrophic Warming,” from @corbinhiar.bsky.social and @eenews.bsky.social via @sciam.bsky.social.
Related: “Reinsurers: placing an economic price on climate change.”
* Abraham Lincoln
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As we sweat it out, we might spare a thought for Hugh Robert Mill; he died on this date in 1950. A geographer (President of the Geographical Association) and meteorologist (President of the Royal Meteorological Society), he was influential in the maturation of geography and cartography– and relevantly to this post, in the development of meteorology as a science.
“I’m having a magenta day. Not just red, but magenta!”*…
Your correspondent is still on the road; regular service resumes on or around May 6. Meantime, a colorful update…
Forget about red hot. A new color-coded heat warning system relies on magenta to alert Americans to the most dangerous conditions they may see this summer.
The National Weather Service and the Centers for Disease Control and Prevention on Monday — Earth Day — presented a new online heat risk system that combines meteorological and medical risk factors with a seven-day forecast that’s simplified and color-coded for a warming world of worsening heat waves.
“For the first time we’ll be able to know how hot is too hot for health and not just for today but for coming weeks,” Dr. Ari Bernstein, director of the National Center for Environmental Health, said at a joint news conference by government health and weather agencies.
Magenta is the worst and deadliest of five heat threat categories, hitting everybody with what the agencies are calling “rare and/or long-duration extreme heat with little to no overnight relief.” It’s a step higher than red, considered a major risk, which hurts anyone without adequate cooling and hydration and has impacts reverberating through the health care system and some industries. Red is used when a day falls within the top 5% hottest in a particular location for a particular date; when other factors come into play, the alert level may bump even higher to magenta, weather service officials said.
On the other hand, pale green is little to no risk. Yellow is minor risk, mostly to the very young, old, sick and pregnant. Orange is moderate risk, mostly hurting people who are sensitive to heat, especially those without cooling, such as the homeless.
“When red-hot isn’t enough: New government heat risk tool sets magenta as most dangerous level,” from @AP.
* Stephen King, Needful Things
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As we reassess risk, we might recall that it was on this date in 1986 that Russia announced the Chernobyl nuclear disaster, two days after it happened.
“The greatest value of a picture is when it forces us to notice what we never expected to see”*…
The breath-takingly broadly talented Joesph Preistley left us much– not least, Alyson Foster explains, a then-new way of understanding history…
It’s a testament to the wide-ranging and unconventional nature of Joseph Priestley’s mind that no one has settled on a term to sum up exactly what he was. The eighteenth-century British polymath has been described as, among other things, a historian, a chemist, an educator, a philosopher, a theologian, and a political radical who became, for a period of time, the most despised person in England. Priestley’s many contradictions—as a rationalist Unitarian millenarian, as a mild-mannered controversialist, as a thinker who was both ahead of his time and behind it—have provided endless fodder for the historians who have debated the precise nature of his legacy and his place among his fellow Enlightenment intellectuals. But his contributions—however they are categorized—have continued to live on in subtle and surprisingly enduring ways, more than two hundred years after his death, at the age of seventy, in rural Pennsylvania.
Take, for example, A Chart of Biography, which is considered to be the first modern timeline. This unusual, and unusually beautiful, pedagogical tool, which was published by Priestley in 1765, while he was in his thirties and working as a tutor at an academy in Warrington, England, tends to get lost in the shuffle of Priestley’s more notable achievements—his seminal 1761 textbook on language, The Rudiments of English Grammar, say, or his discovery of nine gases, including oxygen, 13 years later. But the chart, along with its companion, A New Chart of History, which Priestley published four years later, has become a curious subject of interest among data visualization aficionados who have analyzed its revolutionary design in academic papers and added it to Internet lists of notable infographics. Recently, both charts have become the focus of an NEH-supported digital humanities project, Chronographics: The Time Charts of Joseph Priestley, produced by scholars at the University of Oregon.
Even those of us ignorant of (or uninterested in) infographics can look at the painstakingly detailed Chart of Biography for a moment or two and appreciate how it has become a source of fascination. The two-foot-by-three-foot, pastel-striped paper scroll—which contains the meticulously inscribed names of approximately 2,000 poets, artists, statesmen, and other famous historical figures dating back three millennia—is visually striking, combining a formal, somewhat ornate eighteenth-century aesthetic with the precise organization of a schematic. Every single one of the chart’s subjects is grouped vertically into one of six occupational categories, then plotted out chronologically along a horizonal line divided into ten-year increments. Despite the huge quantity of information it contains, it is extremely user-friendly. Any one of Priestley’s history students could run his eye across the chart and immediately gain a sense of the temporal lay of the land. Who came first: Copernicus or Newton? How many centuries separate Genghis Khan from Joan of Arc? Which artists were working during the reign of Henry VIII? The chart was a masterful blend of form and function…
The most significant design feature of Priestley’s chart—as historians point out—was the way in which he linked units of time to units of distance on the page, similar to the way a cartographer uses scale when creating a map. (The artist Pietro Lorenzetti lived two hundred years before Titian and thus is situated twice as far from Titian as Jan van Eyck, who predated Titian by about a century.) If this innovation is hard for contemporary viewers to fully appreciate, it’s probably because Priestley’s representation of time has become a convention that’s used everywhere in visual design and seems so obvious it’s now taken for granted.
To Priestley’s contemporaries, though, who were accustomed to cumbersome Eusebian-style [see here] chronological tables or the visually striking but often obscure “stream charts” created by the era’s chronographers, Priestley’s method of capturing time on the page revealed something revelatory and new—a way of seeing historical patterns and connections that would have otherwise remained hidden. “To many readers,” wrote Daniel Rosenberg and Anthony Grafton in their book, Cartographies of Time, Priestley’s Chart of Biography offered a never-before-seen “picture of time itself.”
It was no wonder, then, that eighteenth-century readers found themselves drawn to it. A Chart of Biography sold well in both England and the United States, accruing many fans along the way. Along with the New Chart of History, it would go on to be printed in at least 19 editions and spawn numerous imitations, including one by Priestley’s future friend Thomas Jefferson, who developed his own “time chart” of market seasons in Washington, and the historian David Ramsay, who acknowledged Priestley’s influence in his Historical and Biographical Chart of the United States. The time charts marked Priestley’s first major commercial success and played a key role in establishing his reputation as a serious intellectual, earning him an honorary degree from the University of Edinburgh, and helping him secure a fellowship nomination to the Royal Society of London.
As much as anything he published, and he published a staggering amount—somewhere between 150 and 200 books, articles, papers, and pamphlets—Priestley’s time charts encapsulate his uniqueness as a thinker. Of his many intellectual gifts, his gift for synthesis—for knitting together the seemingly disparate things that caught his attention—might have been his greatest…
Read on for how Priestley went on to become the most controversial man in England: “Joseph Priestley Created Revolutionary ‘Maps’ of Time,” by @alysonafoster in @humanitiesmag from @NEHgov.
More info on the Chart– and magnified views– here.
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As we celebrate constructive charts, we might spare a thought for Edward Lorenz, a mathematician and meteorologist, best remembered as a pioneer of Chaos Theory; he died on this date in 2008. Having noticed that his computer weather simulation gave wildly different results from even tiny changes in the input data, he began investigating a phenomenon that he famously outlined in a 1963 paper— and that came to be known as the “butterfly effect,” that the flap of a butterfly’s wings could ultimately determine the weather thousands of miles away and days later… generalized in Chaos Theory to state that “slightly differing initial states can evolve into considerably different [later] states.”
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