Hurricanes Helene and Milton are heightening concerns about the role and financial stability of state-backed insurers as the country faces increasingly devastating and frequent climate disasters. POLITICO’s Zack Colman breaks down why worries are rising about these so-called insurers of last resort and how climate change is upending the insurance market. Plus, FERC Commissioner David Rosner hopes the agency can reach a consensus on its landmark transmission rule aimed at ushering in a new wave of much-needed large power lines. Zack Colman covers climate change for POLITICO.  Josh Siegel is an energy reporter for POLITICO.  Nirmal Mulaikal is a POLITICO audio host-producer.  Annie Rees is the managing producer for audio at POLITICO. Gloria Gonzalez is the deputy energy editor for POLITICO.  Matt Daily is the energy editor for POLITICO. For more news on energy and the environment, subscribe to Power Switch, our free evening newsletter: https://www.politico.com/power-switch And for even deeper coverage and analysis, read our Morning Energy newsletter by subscribing to POLITICO Pro: https://subscriber.politicopro.com/newsletter-archive/morning-energy Learn more about your ad choices. Visit megaphone.fm/adchoices