Will Climate Change Make Your Home Uninsurable? | Amy Barnes | TED
In the TED Talk titled “Will Climate Change Make Your Home Uninsurable?” Amy Barnes sheds light on the critical relationship between climate change, insurance, and financial stability. With rising risks from extreme weather events, the insurance industry is facing unprecedented challenges. As extreme events become more frequent, conventional insurance practices are strained, potentially making homes uninsurable.
Barnes illustrates how insurance serves as a foundational pillar of the financial system—without it, securing mortgages and loans becomes difficult, leading to decreased property values and increased foreclosures. She emphasizes that by 2100, millions of homes could lose insurability in regions like Australia, with similar trends emerging globally.
The talk advocates for proactive measures: investing in resilience through preventive actions, such as building better infrastructure and retrofitting existing structures. Barnes underscores the importance of viewing insurance not as a hurdle but as a catalyst for change and adaptation. She urges society to act collectively to mitigate risks, emphasizing that investing in preventive measures yields significant returns.
Ultimately, Barnes calls for a shift in perspective—recognizing insurance as a crucial tool that can drive sustainable practices and safeguard our financial futures in the face of climate change.
Watch the video by TED
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Video “Will Climate Change Make Your Home Uninsurable? | Amy Barnes | TED” was uploaded on 10/13/2025 to Youtube Channel TED