Will climate insurance save us or fail us?

January 2025 was the hottest on record, capping a year that was the planet’s warmest ever and saw greenhouse gas levels reach highs not seen in millions of years. As climate change destroys homes and displaces millions, many are wondering how to get the private sector to invest in resilient infrastructure if climate disasters can wipe it all out.

The tool at the heart of these conversations is — yawn — insurance.

Some say, where there’s insurance, there’s a way. After all, when a project is backed by the safety net of insurance, an investor feels safer putting their money into it.

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