A for-profit insurance industry is a bad first line of defense against natural disasters. There’s a better way.

Widespread damage to homes and cars has fueled a huge surge in insurance claims and the destruction has also fueled a lot of confusion about what's covered and what's not. Read more:

The devastation Hurricane Helene caused may be followed by devastation of another flavor: financial. Politico reports homeowners' insurance generally does not cover flood damage, which must be purchased separately.