Climate change hits home on insurance

+ weight-loss drugs raise new questions US Edition - Today's top story: Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems [View in browser]( US Edition | 7 June 2023 [The Conversation] [The Conversation]( Years ago when I was reporting an article on climate change and financial risk, I learned how the insurance industry, particularly the “reinsurers” that provide insurance to insurance companies themselves, was on the front line of climate and risk modeling. Now, we are increasingly seeing this industry make decisions that bring climate risk home to consumers, quite literally. In the past couple of weeks, insurers State Farm and Allstate confirmed they will stop issuing new home insurance policies in California, citing growing exposure to natural disasters, among other factors. Arizona State University scholar Melanie Gall, who studies losses from disasters, explains why high-risk regions across the U.S. can expect to [see similar announcements from insurance companies]( as time goes on. “As losses from natural hazards steadily increase, research shows it’s not a question of if insurance will become unavailable or unaffordable in high-risk areas – it’s a question of when,” she writes. It’s no secret the U.S. is suffering from an obesity epidemic, so it’s not surprising that an article we published last week on a new generation of weight-loss drugs was widely read. Exercise science scholar Wesley Dudgeon from the College of Charleston explains how three medications – one approved for weight loss and the other two for Type 2 diabetes – came onto the market, how they work by helping “the body release the proper amount of insulin after eating” and their encouraging results for treating obesity. But, he notes, their arrival [also raises a number of questions]( about their efficacy and whether they could affect the long-held medical advice around exercise and healthy eating. As the buzz around artificial intelligence continues to swirl, we published an article that is particularly relevant to the upcoming elections. Harvard scholars Archon Fung and Lawrence Lessig draw a picture of how [AI-driven systems could alter people’s voting behavior](, including whether to vote at all. Also in this week’s science news: - [Five essential reads for World Ocean Day]( - [The risk to reproductive health in cosmetics]( - [Social media and eating disorders with young people]( If there's a subject you'd like our team of science editors to investigate, please reply to this email. [[Sign up here for our Understanding AI series – four emails delivered over the course of a week.](] Martin LaMonica Director of Editorial Projects and Newsletters Wildfires can destroy hundreds of homes within hours. PH2(AW/SW) Michael J. Pusnik, Jr / Navy Visual News Service / AFP via Getty Images [Why insurance companies are pulling out of California and Florida, and how to fix some of the underlying problems]( Melanie Gall, Arizona State University It’s not a question of if insurance will become unavailable or unaffordable in areas at high risk of wildfires, hurricanes and other damage – it’s a question of when. A disaster risk expert explains. Despite the promise of drugs that can help people shed pounds, healthy lifestyle choices are still key to overall health. Zing Images / DigitalVision via Getty Images [Drugs that melt away pounds still present more questions than answers, but Ozempic, Wegovy and Mounjaro could be key tools in reducing the obesity epidemic]( Wesley Dudgeon, College of Charleston Anti-obesity medications are becoming the go-to treatment for weight loss. But drugs alone may not provide the same benefits as lifestyle choices like exercise and a healthy diet. An AI-driven political campaign could be all things to all people. Eric Smalley, TCUS; Biodiversity Heritage Library/Flickr; Taymaz Valley/Flickr [How AI could take over elections – and undermine democracy]( Archon Fung, Harvard Kennedy School; Lawrence Lessig, Harvard University Artificial intelligence looks like a political campaign manager’s dream because it could tune its persuasion efforts to millions of people individually – but it could be a nightmare for democracy. [Kakhovka dam breach raises risk for Zaporizhzhia nuclear plant – receding waters narrow options for cooling]( Najmedin Meshkati, University of Southern California The International Atomic Energy Agency says the plant has enough water to last for several months. What happens afterward or if the remaining water is lost to the war could lead to a disaster. [Nearly 20% of the cultural differences between societies boil down to ecological factors – new research]( Alexandra Wormley, Arizona State University; Michael Varnum, Arizona State University A number of theories try to explain how cultural differences come to be. A new study quantifies how such factors as resource abundance, population density and infectious disease risk can contribute. [Arsenic contamination of food and water is a global public health concern – researchers are studying how it causes cancer]( Cristina Andrade-Feraud, Florida International University; Diana Azzam, Florida International University Millions of people worldwide are exposed via soil and water to arsenic, whether naturally occurring or related to pollution. Chronic exposure is linked to the formation of cancer stem cells. [Blockchain is a key technology – a computer scientist explains why the post-crypto-crash future is bright]( Yu Chen, Binghamton University, State University of New York There are many uses for digital systems that are not centrally controlled and that allow large numbers of people to participate securely, even if they don’t all know and trust each other. [Invasive lionfish have spread south from the Caribbean to Brazil, threatening ecosystems and livelihoods]( Osmar J. Luiz, Charles Darwin University One of the most damaging invasive species in the oceans has breached a major barrier – the Amazon-Orinoco river plume – and is spreading along Brazil’s coast. Scientists are trying to catch up. [Brain tumors are cognitive parasites – how brain cancer hijacks neural circuits and causes cognitive decline]( Saritha Krishna, University of California, San Francisco; Shawn Hervey-Jumper, University of California, San Francisco Glioblastoma is the most aggressive type of brain cancer, causing significant decline in cognitive function. New research suggests a common anti-seizure drug could help control tumor growth. - [Scientists’ political donations reflect polarization in academia – with implications for the public’s trust in science]( Alexander Kaurov, Harvard University Public data about individual donors’ political contributions supports the perception that American academia leans left. - [Several Down syndrome features may be linked to a hyperactive antiviral immune response – new research]( Joaquin Espinosa, University of Colorado Anschutz Medical Campus People with Down syndrome have an extra chromosome 21. Understanding the effects of those triplicated genes could help improve the health of those with Down syndrome and other medical conditions. - [Protecting the ocean: 5 essential reads on invasive species, overfishing and other threats to sea life]( Jennifer Weeks, The Conversation Humans rely on the ocean for food, jobs and other resources, but these systems are being stressed to the brink. - [Mounting research documents the harmful effects of social media use on mental health, including body image and development of eating disorders]( Emily Hemendinger, University of Colorado Anschutz Medical Campus Research shows that social media, with it endless promotion of unrealistic standards of beauty, has had a negative impact on millions of young people. - [The ugly side of beauty: Chemicals in cosmetics threaten college-age women’s reproductive health]( Leslie Hart, College of Charleston Finding cosmetics that are free of hormone- disrupting chemicals often means paying more. An epidemiologist explains the risk, particularly for young women. - [Is there life in the sea that hasn’t been discovered?]( Suzanne OConnell, Wesleyan University From fluffy crabs that wear sea sponge hats to worms that glow in the dark, scientists are constantly finding amazing new life forms in the ocean. - [Changing wild animals’ behavior could help save them – but is it ethical?]( Daniel T. Blumstein, University of California, Los Angeles; Catherine Price, University of Sydney; Thom van Dooren, University of Sydney Behavior-based interventions could boost conservation efforts, but raise their own set of tricky ethical issues. - [Wildfire smoke can harm human health, even when the fire is hundreds of miles away – a toxicologist explains why]( Christopher T. Migliaccio, University of Montana Fires in Canada have sent smoke across several US states, leaving cities including New York, Detroit and Denver at one point with some of the worst air quality in the world – even far from the flames. - Like this newsletter? You might be interested in our weekly emails: [Politics Weekly]( • [This Week in Religion]( • [Weekly Highlights]( • [Global Economy & Business]( - - About The Conversation: We're a nonprofit news organization dedicated to [helping academic experts share ideas with the public](. We can give away our articles thanks to the help of foundations, universities and readers like you. [Donate now to support research-based journalism]( [The Conversation]( You’re receiving this newsletter from [The Conversation]( 303 Wyman Street, Suite 300 Waltham, MA 02451 [Forward to a friend]( • [Unsubscribe](