The Insurance: Signal How Climate Volatility Is Repricing Property Markets – and What It Means for Long-Term Capital
Property insurance is emerging as one of the most immediate and visible barometers of climate risk. As extreme weather becomes more frequent and severe, insurers are raising premiums, tightening underwriting, and withdrawing from historically stable markets. These actions are not temporary corrections. They mark a structural shift, a fundamental repricing of physical risk that is already reshaping real estate values, mortgage access, municipal credit, and the geography of economic growth.