Your homeowners policy does not cover flooding. The separate policy that does has a 30-day waiting period, and the NFIP’s authorization runs out December 11, right as the El Niño storm track sets up across the southern U.S. What Florida’s insurance meltdown teaches the rest of us, what a flood policy covers, and what to do this week.
Reduce, reuse, recycle… but who’s actually doing it? Here’s how big the average American footprint really is, why the top 1% leave a much bigger mark, and the habits I use to live lighter, ranked from free to $$$$. No guilt, just values in action.
A quarter inch of rain in fifteen minutes can turn a freshly burned slope into a river of mud and boulders. The warning system has long leaned on a model built from Southern California canyons, then applied to the entire West. A new USGS update refits it for three regions and beats the old version by roughly 15 to 60 percent, with fewer false alarms. A strong El Niño is on the way, so read this before the next storm.
This Fall’s What’s Hot in Climate Change roundup highlights five notable climate-related stories, ranging from the brewing “Godzilla” El Niño, mountains storing water, bad climate tipping points, good climate tipping points, and the importance of dialogue and community action.
Wildfires are burning bigger, faster, and closer to home than ever — from Lahaina to Los Angeles to Spokane. You can meet that threat head-on. This guide arms you with real defensible-space strategies and smarter insurance moves, plus how to protect your lungs from smoke that can travel a thousand miles downwind — with practical countermeasures you can start using today. Preparation makes the difference — start now.