News For Reasonable People 
California’s home insurance market is bracing for a new threat—flooding. As wildfires decimate vegetation, heavy rains lead to water runoff and devastating floods, especially in areas previously considered low-risk. The result: traditional homeowners’ insurance doesn’t cover flood damage, and flood insurance isn’t mandatory unless you’re in FEMA-designated zones. With climate shifts increasing these risks, insurers seek higher premiums, but state regulators resist, leaving homeowners caught in the crossfire. The average flood insurance policy runs about $866 a year—yet few opt in unless forced. This insurance gap poses a major financial risk, especially as mudslides and flash floods become more frequent. The situation reveals California’s broader insurance crisis: rising costs, shrinking coverage, and growing reliance on federal assistance. It’s a cautionary tale for small property owners and a red flag on the dangers of overregulation and climate response strategies that ignore economic realities.
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𝗧𝗜𝗠𝗘𝗦𝗧𝗔𝗠𝗣𝗦
00:00 – California’s Home Insurance Crisis: The New Threat
02:00 – Understanding Flood Insurance: What Homeowners Need to Know
04:00 – The Rising Risk of Flooding in California
06:00 – Mudslides and Flooding: A Double Whammy for Homeowners
08:00 – The Impact of Climate Change on Flood Risks
10:00 – Flood Insurance: Mandatory or Voluntary?
12:00 – The Cost of Flood Damage: Can You Afford It?
14:00 – Navigating FEMA Flood Maps and Risks
16:00 – Preparing for Unforeseen Natural Disasters: A Call to Action
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Sorta hard to get a home loan without insurance
Southern Oregon here. Since the state of Oregon did there first wildfire assessments circa 2019 my homeowners insurance has increased 600%. It went from under $400/yr to $2,200/yr.
All part of their Plan – – turn R1 into R3
Sean, I enjoy your sarcasm. News for reasonable people, right on the money. We have the same political views. Were similar back grounds. Born and raised in Seattle I graduated high school Burien Wa in 85 , worked in Bellevue and Issaquah. Lived in Snoqualmie. Moved to So Cal in 2001 Canyon Lake. Keep up the good work!
Weather patterns? What a laugh. I remember the exact news reporting coming out of California in 1978. Same wildfires, same flooding, same landslides, as if California hasn't experienced all of the above since long before humans first stepped onto the continent. Until reality, and lack of insurance, hits home the rational solution of forbidding massively expensive construction of flammable real estate in high risk areas will be ignored. Humans in groups are very slow learners.
Force the masses to move out of those highly sought after development zones… nothing to see here folks, move along…
Better to have it and not need it; rather than need it and not have it.
😂😂😂😂😂😂😂😂 keep voting for the same idiots into office that have no clue how to manage.
I’m in So California and my house is 75 years old I’ve lived in it for 28 years, it’s just about paid off. My insurance has cancelled me because the house is not updated based on the electrical code. I have just had the house updated and a new electrical panel installed (now I can recharge an electric car at home) 🙄 I am waiting to see if they will re instate my insurance. Oh yea I’ve never made a claim in those 28 years of paying for insurance and it cost about $1200 -1500 per year.
Perhaps the Dems can quickly implement a button for 'In Case of Flood'.
Ditthhpthhsspicable!
Flooding and mudslides do follow wildfires in southern California. This is normal for homes in certain locations. Where I live, wildfires cannot come very close. Therefore also, mudslides cannot happen here. Gentle slopes keep the water running off.
I was a manager for a national restoration company franchise and I can tell you that cleaning a house after a flood is one of the dirtiest most uncomfortable jobs there is. Flood water is treated exactly like raw sewage requiring full hazmat protection. Essentially you are doing strenuous physical labor while wearing a rubber suit. Productivity falls down to a crawl because of the risk of heat stroke. Bottom line: it is EXPENSIVE as well as dangerous. This is reflected in the premiums. My heart goes out to the poor folks facing this future.
This is a corruption issue, industries and corps buy politicians to have a free for all, the insurance industry is awful. We pay forever, only to be told they are not providing the product we paid for, but laws/rules are in place to force us to buy it
These insurance co's will pass out these increases across their entire aggregate and we will all pay higher costs for homeowners insurance. They do it every year. These fires and floods are nothing new they have been happening for years.
Blaming climate change is a hoax designed to steal more wealth from everyone. They know what they need to do to help control the fires with forest management as well as short term measures for mud flow prone hills after a fire to control the mud flows.
In oregon, I live in a rain forest where it rains, sometimes up to 8 months a year, sometimes non-stop .no fires in 120 years. We got hit with a high-risk wildfire price of $4500 a year on our homeowners insurance and no guarantee of coverage next year ! Looks like it doesn't matter where you live anymore.
Old Johnny Caron line: "Hey, the mudslides out here are putting out the wildfires!"
Proud woke trash will take care of Americans.
This is why i refuse to purchase a home in 2025 . By renting, I can get insurance for water and fire. To include other natural disasters. But if you own the home, it is not possible without a high price tag, if at all. If you can pick and choose specifically what personal items you want covered, you can get a better rate.
I can get better bumper to bumper coverage on my RV than a sticks and bricks in California, beleve it or not.😮
The city of Sacramento has an extensive levee system for the Sacramento and American rivers. If they ever have a breach in the levee it will flood the whole city as bad if not worse than New Orleans. The Corp. of Engineers inspects the levees ever year and now they are reporting that homeless people a digging into the levees making caves and shelters.
I know that both the fires and floods in commiefornia are by design, but I also can’t help but feel this is God punishing the state for its sinful ways
Home owners insurance or government subsidized home insurance should be illegal.
If no one is going to bail people out, maybe they'll stop building stupid things in stupid places.
Stop the chemtrails that are leaving fake fog and viruses everywhere
Flood insurance. It doesn't flood in California. You don't have typhoons or hurricanes.
I'm in a US citizen living in Taiwan. I got out of California after directly graduating from college 21 years ago.
I'm proud to be an American and I'm proud. But there's some serious freaking problems in blue States. I'm not saying red states are perfect but it's livable there if you have two incomes.
It seems like the only way you can live in blue States is if two people are working and they're literally making $80 an hour together.
Don't get me started on property taxes income tax and all the other hidden taxes.
It's like every Western country in the world wants their people to live in complete and total poverty. I was 13 years old when I heard about the New world order in the great reset.
If you don't know what that is quick talk to some Christians who are deeply informed
Every book in the Bible that has talked about prophecy has been fulfilled for a living in Revelation at the moment it's being fulfilled little by little
Only thing I can tell you is find Jesus and quick.
The evil that is in this world it is no surprise to me at all.
It's not climate change its geoengineering
We have all the same stuff in Taiwan but it's affordable. I'm a US citizen I talk about this with my friends all the time and it's affordable. It doesn't cost you a kidney to pay your bills
Floods, landslides, fires, earthquakes … and a government that fails to control/mitigate these natural disasters. The only thing missing is swarms of looters … oh never mind, they got that too
Wonder if insurance companies weren’t so bloated and didn’t have prices hidden, many people could have insurance that worked well. Nowadays, it is just a ponzi scheme.
🦁🦁🦁🦁🦁the LION takes LIKE No. 239
Hunker down in my box.🙈🙉🙊
We only want payers that won’t make claims🙄 isn’t that the truth
California Seasons:
Fire, Flood, Earthquake, Riots
I dont see a difference between house, motor, or medical insurance.
It's all the same people master of puppets pulling strings killing the people it enslaves. 😮
Who else wants to see Newsom resign immediately, gone for good, recalled, never seen again, investigated, prosecuted and imprisoned?.??..
Flood insurance is also mostly worthless!! Coverage is very limited!
California needs to except Jesus
Building our retirement home myself. No debt, no loans, sweat equity. Fire hardened, defensive space. Stored water. No Insurance required.
hydrophobic
Well, soon, the only people left in California will be the super rich and all the welfare resipants and illegal aliens. Everybody else won't be able to afford to live there.
I have three insurances on my house. I live in California.
Newsom will manage this with his podcast.