https://www.reuters.com/sustainability/new-york-fine-fossil-fuel-companies-75-billion-under-new-climate-law-2024-12-26/

I'm of the view that strong policy action and intervention is not antithetical to observing the free market helping us get where we need to go. In this instance, I'd say I've been waiting for a long time to see the private insurers doing their thing and sending much more clear signals to homeowners that they will not be dragged into ignoring climate risk even if some homeowners might prefer that they do.

https://www.nytimes.com/interactive/2024/12/18/climate/insurance-non-renewal-climate-crisis.html

Insurers Are Deserting Homeowners as Climate Shocks Worsen Without insurance, it’s impossible to get a mortgage; without a mortgage, most Americans can’t buy a home. Christopher Flavelle reported from Silver City, N.M. Data analysis and graphics by Mira Rojanasakul. Photography and video by Paul Ratje for The New York Times. Dec. 18, 2024

Same as the title, any resource in this direction would also help.