More incredible reporting by @eroston.bsky.social and team on the disconnect between 1 year insurance and 30 year mortgages in the era of climate change. W lots of discussion from @benkeys.bsky.social who's the real pro here.
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My understanding is that many homes go into disrepair because of low quality combined with a lack of renter's and owners incentives to do any maintenance because many are moving so regularly for work.
* understatement
this article hits all of the topics that this book covers extensively explaining the root causes of this situation.
https://www.audible.com/pd/The-Geography-of-Risk-Audiobook/1250243238?source_code=ASSGB149080119000H&share_location=pdp