These days, there isn't a lot that can happen without a form of insurance. From buying a home, hopping in an Uber, using public WiFi, to investing in a mutual fund - insurance is everywhere. Weather-related events are increasing in size and frequency around the country and this is making property insurance unaffordable for many, which causes a lot of problems many may not be fully considering. This trend does not appear to be getting any better and the larger implications are not pretty. Joining the podcast for this episode is the Environmental Defense Fund's Carolyn Kousky to discuss why elected officials, policy-makers and the insurers themselves have been unable to solve for this problem. Dr. Kousky sets the stage for how we got to a point where major insurance companies are declining to do business in many parts of the country and offers some realistic ways to address the problems at hand. As we are apt to do, Capitol Gains takes a look at climate change through a financial lens we all can appreciate - insurance and our pocket books - and takes a look at it from the community finance angle. The report we mention in the episode can be read here. The views expressed are solely those of the hosts and do not necessarily reflect the views of their employers or other associated parties. Adam Linder of Bespoken Podcast edited this episode.