Climate change could make many US homes uninsurable

Providing state insurance for these homes won't fix the problem. We need to start subsidizing residents to move away from areas that climate change will render inhospitable.

Maybe instead of continuing to build housing in uninhabitable places and having the taxpayers foot the bill when disaster strikes, we could build more housing in places which are habitable, like the west coast, the New York metro area, etc.

I guess that would require actual leadership from politicians, but it's the only solution that will work in the long term. I'm waiting...

What will happen is just the the federal government will subsidize and backstop the insurance. Look at flood insurance. The federal government subsidizes flood insurance in some highly vulnerable areas, and when there is a big disaster, provides a backstop though massive infusion of money.

I think much the same thing will happen with climate related insurance.