home insurance Archives - Word In Black

In recent years, climate change-driven weather disasters have sent homeowners' insurance premiums soaring in the Southeast, which is more likely to face devastating hurricanes. But the insurance crisis has hit hardest in Black neighborhoods that have faced historic discrimination, like redlining, which in turn made them even more vulnerable to climate-driven weather disasters. This home in New Orleans' historically-black Lower 9th Ward was destroyed during Hurricane Katrina in 2005 and never rebuilt. The insurance crisis has made it difficult for Black homeowners to afford both mortgage payments and insurance premiums.

Climate Justice

The Climate Insurance Crisis Is Crushing Black Homeownership

by Willy Blackmore November 25, 2025November 25, 2025

In the Southeast, where hurricanes often strike, climate change has made storms more destructive — and Black communities more vulnerable.