Volunteer of the Month: Ariana-Marie Lorenzo
Climate Change is Heating Up and Here’s How You Can Help!
Eco-teers Milkweed Planting for Monarch Conservation
Eco-teers First Beach Cleanup
The Plastics Pollution Problem – How You Can Help
Why You Should Be Concerned About Climate Change- Insurance!
Some effects of climate change such as mass extinction of hundreds of plants and animals across the globe, and displacement of hundreds of thousands of refugees migrating to higher and dryer land seem like far away consequences. But there is a much more immediate threat to all of us: insurance affordability. Climate change is about to make your insurance rates go through the roof, and it’s already happening!
The effects of climate change are stronger and more immediate than ever. With increasing frequency of natural disasters that result in the destruction of properties and businesses now hitting record-breaking rates, insurers can no longer wish them away as individual catastrophic events.
2020 was the fifth costliest year for the insurance industry in 40 years. According to a 2021 report released by Munich RE, one of the world’s leading providers of reinsurance and insurance-related risk solutions, global disasters exacerbated by climate change resulted in $210 billion in losses in 2020 as several countries, including the U.S. and China, battled hurricanes, floods, and wildfires. The US accounted for $95 billion of overall losses and $67 billion of insured losses.
Insurance is in the business of managing risk. Greater risk equals more claims which results in higher premiums. Taxpayers and insurance premiums share the cost for severe damage due to weather. Severe weather events that occur in Los Angeles, for example, affect premiums in other parts of the state and the country. These weather-related claims impact everyone.
Rising physical risk levels are already threatening insurability and affordability of existing coverage. Higher claims costs will require a higher premium, which may jeopardize affordability.
Catastrophic events are projected to continue. According to a McKinsey research report, the value at risk from climate-induced hazards may increase from about 2% of global GDP to more than 4% of global GDP in 2050. This projection, which forecast more frequent storms, floods, and wildfires, may lead to underinsurance of the population, leading to premium loss, higher rates of self-insurance, and increased demand for disaster relief from the public sector. Consumers will shoulder most of that burden.
Florida is one of the states most vulnerable to climate change, putting Floridians at a greater risk for disasters that will impact everything from health and physical safety to property and assets. Climate change is already having a direct financial impact on Florida homeowners through their home insurance premiums.
According to a report by ValuePenguine, the cost of homeowners insurance in Florida has gone up by 32.5% since 2016. This is more than three times higher than the average rate change of 10.9% that the rest of the country experienced during the same period. In an Insurance Newsnet article, Mark Friedlander, a spokesperson for the nonpartisan association Insurance Information Institute, says that statewide premiums in Florida are up nearly 25% for 2022, and aren’t expected to level off anytime soon. Premiums have doubled in some parts of the state.
Yes, there are other additional causes contributing to the large increases in homeowner insurance premiums such as fraud and litigation expenses, but reinsurance companies who underwrite retail insurers simply can’t afford to ignore the link between climate change and catastrophes caused by the resulting storms, wildfires, and flooding. As the financial losses multiply, the price of reinsurance will continue to increase accordingly and get passed on to the consumer.
Floridians can expect this trend to continue and for premiums to become more and more unaffordable if we do not confront climate change head-on. You can help by making your concerns known to your legislators and public officials, and by letting businesses you frequent know that you want them to do their part to combat climate change too.
Here are some other blogs for ideas to help combat climate change:
10 Everglades Animals Threatened By Climate Change
Biologists are becoming more and more concerned that global climate change will drastically reduce biodiversity. Some biologists estimate that up to 35% of animals and plants could become extinct in the wild by 2050 due to global climate change- less than 30 years!
A 2020 World Wildlife Federation report claims that the population sizes of mammals, birds, fish, amphibians, and reptiles have experienced a 68% decrease since 1970 and freshwater species have declined as much as 84% already. (1)
South Florida and the Everglades is particularly susceptible to the effects of global warming and sea-level rise. Everglades plants and animals will be disproportionally affected as the ocean rises and saltwater infiltrates marshes and floods low-lying habitats.
The Center for Biological Diversity report has compiled a list of 350 species found in the United States and its territories which are threatened by climate change. (2) Ten Everglades species standout among the many Florida species included on the list.
Florida panther (Puma concolor coryi)
The Florida panther is one of the most majestic, large felines in the wild, and tragically, it’s the only large feline remaining in the Southeast. Once abundantly found throughout Southeast United States, it is estimated there are fewer than 120 Florida panthers left in the wild.
Although habitat loss driven by Florida’s burgeoning human population is the greatest threat to Florida panthers, sea-level rise will inundate and eliminate a large portion of the panther’s remaining habitat in Florida’s low-lying Everglades.
Florida manatee (Trichechus manatus latirostrus)
Manatees, sometimes referred to as sea cows, are large, gentle aquatic marine mammals related to elephants that spend much of their time grazing on seagrasses and other vegetation in warm, shallow waters. The current population of manatees in Florida is thought to be between only 1,000 and 3,000.
The leading cause of death among manatees is boat strikes which kill them or leave lethal propeller wounds on the survivors; but starvation is quickly becoming a major cause of death as well. Sea-level rise and changes in water flow that increase water turbidity threaten the manatees’ main food source- the seagrasses that grow in shallow waters. Increased hurricane intensity and storm surge also impact their food supply, leading to starvation as well as impaired manatee health and reproduction.
Green sea turtle (Chelonia mydas)
Much knowledge about sea turtle ecology comes from studies of green sea turtles which migrate long distances between feeding grounds and hatching beaches. Sea turtles spend almost all their lives submerged but must breathe air, routinely diving for about five minutes and surfacing to breathe for one to three seconds.
Warming ocean temperatures are leading to mass coral bleaching which damage reef habitats where turtles feed, and changes in ocean currents are altering turtle migrations paths and feeding patterns. Rising sea levels may also inundate nesting beaches and the increased sand temperatures may lead to changes in the sex ratio of hatchling turtles.
Ivory tree coral (Oculina varicosa)
Ivory tree coral is home to various reef fish and considered a keystone species, meaning that its own health indicates the health of the ecosystem around it. These corals have been decimated by destructive fishing practices such as bottom trawling, which have killed about 30 percent of the population across its range.
Today, corals like the ivory tree are among the species most threatened by greenhouse gas pollution. Warming ocean temperatures create frequent mass bleaching events that lead to widespread coral death and higher risk of disease.
Key deer (Odocoileus virginianus clavium)
The range of the key deer originally encompassed all of the lower Florida Keys but is now limited to a stretch of the Florida Keys from Sugarloaf Key to Bahia Honda Key. Despite a hunting ban imposed in 1939, widespread poaching and habitat destruction caused the subspecies to plummet to near-extinction levels by the 1950s. Strict protection measures have brought numbers up to between 300 and 800 today but global warming brings additional threats.
Rising sea levels and increased storm intensity that may largely eliminate the key deers’ upland habitat on the low-lying Florida Keys. Scientist predict that sea-level rise in this century will virtually eliminate the deers’ upland pine forest and hardwood hammock habitat on Big Pine Key.
Miami blue butterfly (Hemiargus thomasi bethunebakeri)
This small, metallic blue butterfly, native to South Florida, experienced its first major setback in the 1980s when coastal development exploded and Florida’s war on mosquitoes dispersed toxic chemicals throughout the butterflies’ range. Bahia Honda State Park in the Lower Florida Keys now houses the only wild population of Miami blues.
Global warming brings additional risks to this seriously imperiled species as sea-level rise threatens to inundate much of its habitat on low-lying Bahia Honda Key, and stronger hurricanes could devastate the remaining small, isolated population.
Cape Sable seaside sparrow (Ammodramus maritimus mirabilis)
The Cape Sable seaside sparrow isn’t nicknamed the “Goldilocks bird” for nothing: For this little sparrow to survive, its habitat conditions have to be just right.
As sea level rises, the freshwater marshes inhabited by the sparrow are flooding and turning into mud flats and mangrove-dominated marine waters. Increasingly severe hurricanes due to global warming also threaten this birds’ chances for survival, since hurricanes can kill the tiny birds directly or alter the plant communities they rely on.
Choctawhatchee beach mouse (Peromyscus polionotus Allophrys)
Technically, beach mice are not in the Everglades, but they do inhabit sand dunes along the Florida coasts where they burrow and excavate nests. Their burrows typically have a main hole that acts as a front door and a second hole, or back door, often used to escape predators.
That back door, however, won’t be much help in the fight against global warming and rising sea levels. With global warming producing rising tide lines and increasing storm surge, dune ecosystems face challenges, as does this tiny mouse.
Lower Keys marsh rabbit (Sylvilagus palustris hefneri)
The Lower Keys marsh rabbit is an endangered subspecies of marsh rabbit with short, dark brown fur and a grayish-white belly. Marsh rabbits are more aquatic than swamp rabbits, taking to water readily, and are excellent swimmers because their hind legs have less fur and longer nails than typical cottontails.
Because they live on low-lying islands, marsh rabbits will lose most of their habitat with even moderate levels of sea-level rise.
Human beings (Homo sapiens)
There are more than 6.8 billion human beings on Earth.
Health and climate scientists believe that global warming is already responsible for approximately 150,000 deaths each year, and they fear that number may well double by 2030. Global warming also contributes to approximately five million human illnesses every year by the increasing spread of infectious diseases, such as malaria and dengue fever, creating conditions that lead to potentially fatal malnutrition and diarrhea, and increasing the frequency and severity of heat waves, droughts, floods, severe storms, and other weather-related disasters. Studies have also found a direct link between rising levels of CO2 in the atmosphere and respiratory illness and asthma.
Visit the Center for Biological Diversity’s article, 350 Reasons We Need to Get to 350: 350 Species Threatened by Global Warming, to read how climate change is putting numerous species’ very existence at risk and what mechanisms are being triggered to make food webs collapse or habitats become less livable for particular animals or plants. You can read the species’ descriptions and look at photos of the species at risk in your home state through their interactive regional map.
A Simple Guide To Climate Change
Ten Ways You Can Make A Difference
Climate Change is the shift in the average weather conditions – such as temperature and rainfall – in a place over many years. Earth’s climate is always changing; however, scientists have recorded unusual and accelerating temperature increases over the past 150 years. The world is now about 1.2°C warmer than it was in the 19th Century, leading to heatwaves, melting ice, rising sea levels, and extreme storms, flooding, droughts, and wildfires.
There are several factors that contribute to changes in Earth’s climate; however, scientists agree that recent global warming in the past 50 to 100 years is due to human activity. Simply stated, human activities- such as burning fossil fuels to manufacture products and power our factories, homes, and cars- cause greenhouse gases which trap more heat and lead to a warmer earth.
As the Earth warms, the typical weather patterns change. Arctic ice melts leading to sea level rise and coastal flooding. Warmer temperatures create more evaporation over both the ocean and land. As more water evaporates over the ocean, it creates larger storms which turn into hurricanes as well as inland storms which cause flooding and tornados. Increased evaporation over land leads to droughts, water shortages, and more frequent wildfires.
Extreme weather events are already evident- from this year’s unprecedented freeze in Dallas, TX to the record-breaking heatwaves in the Northeast and Midwest. Hurricanes, flash floods, and wildfires have become more frequent and more intense, threatening lives and livelihoods and destroying property as well as habitat for wildlife. Once fertile farmland is turning to desert and water reservoirs are drying up. Rising ocean temperatures are threatening coral habitats and marine life.
There are hundreds of ways that you can help combat Climate Change in your own daily lives. Andy Chabassol, Co-Chair of The Climate Reality Project Miami-Fort Lauderdale Chapter, suggests these ten ways you can personally make a difference:
1. Educate yourself about Climate Change issues and help educate your friends and family. (If you want a Climate Reality member to deliver their Climate Story to a group of your friends, just contact [email protected])
2. Invest in Environmental, Social & Corporate Governance (ESG) companies. Align your money and wealth and shopping habits with companies that have high scores for excellence in ESG research, integration, and product design.
3. Offset your personal carbon footprint. Lead by example by knowing your carbon footprint and offset it; but make sure that your offset leads to a measured reduction in carbon emissions.
4. Volunteer with Climate Change initiatives. There are hundreds of environmental organizations that can use your help, like Flamingo Gardens or www.volunteercleanup.org
5. Look after your health and well-being. As you become more informed, climate change knowledge can be troubling. You must take care of yourself if you are to help others.
6. Modify your diet to eat less meat and less processed foods. Locally grown, organic food is better for your health and its production emits less carbon.
7. Respect and protect green spaces as they are important for carbon sequestration and wildlife.
8. Conserve energy and water at home and work.
9. Minimize your car use by walking, biking, or using ride sharing or public transportation instead.
10. Talk about it! Tell people about the “changes” you make to help combat Climate Change and how it makes you feel!