Weathering Change: Mapping the Insurance Impact of Climate Migration

Climate-driven migration is accelerating across the country as floods, fires, heat, and infrastructure stress push people out of high-risk zones and into regions previously considered stable. These shifts are altering capacity, pricing, and claims patterns across personal and commercial lines. Examine where people are moving, why it matters for insurers, and how market mechanics, reinsurance, and regulation respond. Develop practical tools for identifying coverage gaps, communicating with displaced customers, and navigating operational challenges created by rapidly changing population distribution.