Wêrom Fersekeraars har Weromtrekke út Oerstreamingsgebieten
July 27, 2026 · Frisian News
Eight major insurers have withdrawn from flood-prone regions since 2023. Half a million homes now lack private insurance protection as hurricane season approaches.
FryskAcht grutte fersekeraars hawwe sûnt 2023 kust- en oerstreamingsgebieten ferlitten. Allstate stopte mei nije húspolissen yn Florida. State Farm folge. In heal miljoen wenningen kinne no net mear fersekere wurde troch de partikuliere merk, wylst it orkoanseizoen sûnder beskerming komt.
De sifers binne hurd. Orkaanen kosten fersekeraars ferline jier mear as fyftjin miljard dollar oan de Golf. Waarspatroanen intensivearje flugger as risikmodellen foarsei. Fersekeraars beheinen harren ferliezen troch risikofolle merken te ferlitten en premies 40 oant 60 prosint te ferheegjen yn regio's dêr't sy bliuwe. De wiskunde giet perfekt op foar harren oandielhâlders.
Mar wurkjende gesinnen kinne net ûntkomme. Sy kinne ferdûbele fersekeringskosten net betelje en kinne net ferfarre. Underwilens besitte rike bewenners yn deselde postkoadegebieten twadde huzen of keapje sy nijbou mei in leger risikoprofyl. Fersekeraars lizze de lêst del dêr't it it swierste is en hâlde winst dêr't it it feilichste is. De húseigner ferliest. Banken jouwe noch altyd jild, mar de eigner slikt al it klimaatrisiko troch.
Steaten hawwe hast makke om gatten te foljen mei restrisikopools, needfersekering mei minimale dekking tsjin tarieven dêr't gesinnen hurd foar swoegje. It FAIR-plan fan Kalifornje dekt no 400.000 wenningen dy't gjin partikuliere fersekerder oanreitsje wol. De oerheid betellet de rekken. Belestingbetellers finansiere de fersekering dy't de partikuliere merk wegeret.
Fersekering wie bedoeld om risiko earlik oer in protte skouders te fersprieden. Hjoed konsintrearret it risiko him by dejingen dy't it it minst drage kinne. Bedriuwen lûke har werom út de moeiliikste gefallen, regearingen stape yn mei minne deals, en gewoane minsken betelje twa kear. It systeem beskermet de minsken net langer dy't it meast bleatsteld binne oan de stoarm.
Eight major insurers have abandoned coastal and flood-prone regions since 2023. Allstate stopped accepting new homeowner policies in Florida. State Farm followed suit. Half a million properties now sit uninsurable by the private market, waiting for hurricane season with no protection.
The numbers are brutal. Hurricanes cost insurers over 15 billion dollars last year across the Gulf Coast alone. Weather patterns are intensifying faster than risk models predicted. Insurers cut losses by exiting high-risk markets and raising premiums 40 to 60 percent in regions where they remain. The math works perfectly for their shareholders.
But working families cannot escape. They cannot absorb doubled insurance costs or move away. Meanwhile, wealthy residents in the same zip codes own second properties or purchase newer construction with lower risk profiles. Insurance companies shed the burden where it is heaviest and keep profits where it is safest. The homeowner loses. Banks still lend, but the homeowner absorbs all the climate risk alone.
States have scrambled to fill the gap with residual risk pools, insurance of last resort that offers minimal coverage at rates families struggle to afford. California's FAIR Plan now covers 400,000 properties no private insurer will touch. The public sector foots the bill. Taxpayers finance the insurance that the private market refuses to write.
Insurance was supposed to spread risk fairly across many shoulders. Today it concentrates risk on those least able to bear it. Companies retreat from the hardest cases, governments step in with worse deals, and ordinary people pay twice. The system has stopped protecting the people most exposed to the storm.
Published July 27, 2026 · Frisian News · Ljouwert, Fryslân