"The Tubbs Fire, as it was called, shouldn’t have been possible. Coffey Park is surrounded not by vegetation but by concrete and malls and freeways. So insurers had rated it as “basically zero risk,” according to Kevin Van Leer, then a risk modeler from the global insurance liability firm Risk Management Solutions. (He now does similar work for Cape Analytics.) But Van Leer, who had spent seven years picking through the debris left by disasters to understand how insurers could anticipate — and price — the risk of their happening again, had begun to see other “impossible” fires. After a 2016 fire tornado ripped through northern Canada and a firestorm consumed Gatlinburg, Tennessee, he said, “alarm bells started going off” for the insurance industry."

Just end me now, this is clearly the dumbest timeline.

This entire article is well written and researched, but it's also insanely depressing as it strives to qualify every minute piece of the impending climate apocalypse as "Investment opportunity", "Return On Investment", "Risk", "A new real estate boom" etc. etc.

Normalizing our way to extinction while we wait for the market to "adjust".