# Carolyn Kousky
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Ep. 23: Climate risk expert Carolyn Kousky on the role of insurance in managing a future of increasingly severe weather disasters
In the U.S., between 2020 and 2024, the total cost of major weather related disasters averaged about $150 billion per year. That’s more than five times the annual average during the 1980s, even after adjusting for inflation. At the same time as they’ve gotten more costly, major disasters have becom…
Insuring The Future: The Role of Insurance in Disaster Risk Reduction
Disasters are affecting more people and property than ever before. Since 1980, the U.S. has experienced 400+ weather-related "billion dollar" disasters, $3 trillion in economic impacts, and thousands of lives and livelihoods. In the effort to build our disaster resilience as a society, what's the r…
Why Catastrophe Bonds Yield 12%. Should You Invest?
A new ETF allows individuals to earn income by insuring against natural disasters through investing in catastrophe bonds. We break down the historical returns, risk, fees, and structure of this intriguing investment opportunity.
Topics covered include:
What types of natural disasters are increasin…
Insurance and the Shifting Boundaries of Climate Risk
Insurance is on the front lines of climate risk, and may help shape how we respond to it.
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Insurance is one of the quiet pillars of the modern economy. It underpins where we build, how we invest, and whether communities can recover after disaster. In many ways, it defines what risks we’re will…
Risky business
As the world gets warmer and storms get worse, insurance companies are jacking up rates or refusing to cover homeowners altogether. Is the future uninsurable? (Originally aired in 2024).
Guests: Umair Irfan, climate reporter; Karen Clark, co-founder and CEO of Karen Clark & Company; Joe Skuba, VP …
A Dreamshot Kickoff!: Welcome to the California Dreamshot Podcast
In this inaugural episode, Dreamshot co-hosts Kate Gordon, Nuin-Tara Key, Priyanka Mohanty, and Carolyn Kousky, talk through California’s volatile state budget, the Rainy Day Fund, why resilience investment keeps losing out to short-term costs, and what it would take to treat resilience as a core e…
Paying for a Riskier Future
Who pays for the disaster that didn't happen? Co-hosts Nuin-Tara Key (CA FWD) and Carolyn Kousky (Insurance for Good) dig into the economics of climate resilience—what adaptation finance actually is, and why it's so hard to get capital flowing toward it.
Drawing on interviews with five members of …
Paying for a Riskier Future
Who pays for the disaster that didn't happen? Co-hosts Nuin-Tara Key (CA FWD) and Carolyn Kousky (Insurance for Good) dig into the economics of climate resilience—what adaptation finance actually is, and why it's so hard to get capital flowing toward it.
Drawing on interviews with five members of …
Is the Future Insurable?
“Insurable” has become a loaded term in California. But what does “being insurable” really mean? This conversation slows down and takes the word apart: what a risk actually needs in order to be pooled, where the real limits sit versus where we only think they do, and why getting back to insurabilit…
The True Cost of Housing
Affordability is the story of this political moment, and the policy response is almost always to bring upfront costs down, whatever it takes. But what does a home really cost once you add insurance, energy bills, and disaster losses over its lifetime?
Hosts Nuin-Tara Key and Carolyn Kousky talk wi…
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