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Iowa Educators, Researchers Warn of Insurance Challenges Due to Climate ...

Nearly 180 Iowa researchers link rising insurance premiums to climate-driven extreme weather, urging shifts to renewable energy and stronger building standards to reduce risks.

  • A group of Iowa university researchers released the 2025 Iowa Climate Statement on Monday, Nov. 10, signed by 179 researchers and educators from 26 universities, linking warming to rising insurance premiums in Iowa.
  • Scientists said greenhouse gases from burning fossil fuels drive warming, with the past decade among the hottest 10 years and stronger storms doubling billion-dollar disasters in the Midwest over 40 years.
  • Insurify data show home insurance premiums in Iowa rose 14% from 2023 to 2024 and are expected to increase 19% in 2025, while USDA data show crop insurance premiums were $15.8 billion in 2024 with $9.8 billion subsidized.
  • Researchers warned rising insurance costs could make homeownership unattainable for some Iowa families, while farmers and taxpayers will bear increased costs as insurance companies reduce state exposure amid growing claims.
  • Homeowners are advised to check coverages, buy optional flood insurance, and make resilience upgrades; scientists recommended shifting to wind and solar and empowering local governments to adopt stronger building standards.
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Iowa scientists: climate change driving up cost of insurance

Scientists from universities across Iowa urge a shift to more renewable energy sources and updated building standards to cope with insurance premiums that are mounting due to a changing climate.

·Cedar Rapids, United States
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Des Moines Register broke the news in Des Moines, United States on Monday, November 10, 2025.
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