“Climate change is no longer just an environmental problem,” Senator Sheldon Whitehouse, a Democrat from Rhode Island, who chairs the budget committee, said at a hearing on the matter Wednesday. “It is an economic threat, and it is an affordability issue that we should not ignore.”

Just an environmental problem... These clowns don't care for the fundamental needs of beings and biosphere. It's only concerning when it's an "economic threat".

And by the way I think that's exactly how insurances work: They compute the risk and then bill accordingly. Pretty sure you can get insurance everywhere - it can just become be very, very expensive in some places due to the negligible environmental problems.