Figures in dollars (2023).

https://www.nber.org/system/files/working_papers/w34525/w34525.pdf

via this stupid website: https://heatmap.news/economy/climate-costs-insurance

Which I found on Mastodon and will probably never re-visit because they are such pills.

Anyway. Took a while to track this down, what with more important things like doing my job, dealing with life and generally wasting time, but…

| Category                           | More Conservative | Less Conservative |                       |                        |
|                                    |           Average |           Average | 90th Percentile Costs | 90th Percentile County |
|------------------------------------+-------------------+-------------------+-----------------------+------------------------|
| Insurance Costs                    |                78 |               356 |                   598 |                    764 |
| Indirect Insurance Costs           |                32 |               145 |                   244 |                    312 |
| Flood Costs                        |               142 |               142 |                    75 |                     -9 |
| Energy Costs: Quantity Increase    |                11 |                11 |                    32 |                      9 |
| Energy Costs: Price Increase       |                14 |                24 |                   135 |                     18 |
| Indirect Energy Costs              |                13 |                21 |                   119 |                     16 |
| Costs Borne by Governments         |                41 |                77 |                   103 |                     75 |
| Crop Losses                        |                 0 |                 0 |                     0 |                      0 |
| Mortality Costs: Temperature       |                 1 |                 1 |                     2 |                      1 |
| Mortality Costs: Wildfire PM2.5    |                64 |               103 |                   200 |                    118 |
| Mortality Costs: Natural Disasters |                10 |                21 |                    21 |                     21 |
|------------------------------------+-------------------+-------------------+-----------------------+------------------------|
| TOTAL                              |               406 |               901 |                       |                   1325 |