About this episode
The Los Angeles wildfires offer a stark reminder that we no longer live in an era of reliable home insurance. An exodus of insurance companies from disaster-prone areas has put the American dream of homeownership in peril. In this episode, the climate reporter Nick Mott makes the case for a national climate catastrophe insurance plan that could help protect families from the devastating losses being experienced in California. Thoughts? Email us at theopinions@nytimes.com.