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More NYT headline writers not reading the story

 Climate Shocks Are Making Parts of America Uninsurable. It Just Got Worse.

None of this has anything to do with supposed climate change.  Wildfires in California and Hurracanes in Florida are nothing new.  What has happened is that a huge number of houses have been built in these areas.  Enough so, that an insurance company can be bankrupted by a single event.  It's that simple, but eww, scary "climate change" must be imagineered into the piece, at least in the headline, as there isn't much to back it up in the article itself.