E109: From Hurricanes to Wildfires: The Future of Homeowners Insurance - w/ Martin Grace

Professor Martin Grace explains how natural disasters, inflation, bad policy, and population shifts are breaking the U.S. homeowners insurance market — and what that means for your future coverage.

👤 Guest Bio: Dr. Martin F. Grace is a professor of risk management and insurance at the Tippie College of Business at the University of Iowa. A nationally recognized expert on insurance regulation and catastrophe risk, he has published extensively on property insurance, tort reform, and disaster economics. Prior to joining Iowa, he taught at Temple University and Georgia State University.

📚 Topics Covered:

• Why homeowners insurance is getting more expensive and harder to obtain
• The effects of hurricanes, wildfires, and convective storms on insurers
• How COVID-19 disrupted housing markets, labor, and supply chains
• The failures of public insurance programs in Florida and California
• The hidden risks of flood zones and outdated FEMA maps
• The role of reinsurance and why global markets matter
• Why many condo HOAs are underinsured and at risk
• The need for bundled flood and homeowners coverage
• Policy fixes that could stabilize the system over the next two decades

📺Watch the full episode on YouTube➡️https://youtu.be/ZGMqJhmue6M

🎙 The Pod is hosted by Jesse Wright
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