- Move-0.mp3
- Move-0.mp4
- Move-I.mp3
- Move-I.mp4
- Move-II.mp3
- Move-II.mp4
- Move-Unplugged-Underground-XIII.mp3
- Move-Unplugged-Underground-XIII.mp4
- Move-intro.mp3
[Intro]
Move!
(Better move faster)
Move!
(Oncoming disaster)
[Bridge]
Move!
(Move out of the way)
Move!
(Can’t afford to wait another day)
[Verse 1]
Managed retreat (retreat, retreat)
Man’s aged defeat (defeat, defeat)
The crime to end time
It’s such a shame
(… only us to blame)
[Chorus, Female Vocals]
Move!
(Better move faster)
Move!
(Avoid disaster)
[Bridge]
Move!
(Move out of the way)
Move!
(Can’t afford to wait another day)
[Verse 2]
Flood and fire (deeper, higher)
Blood and guts (all gone nuts)
The crime to end time
It’s such a shame
(… only us to blame)
[Chorus]
Move!
(Better move faster)
Move!
(Avoid disaster)
[Bridge]
Move!
(Move out of the way)
Move!
(Can’t afford to wait another day)
[Chorus]
Move!
(Better move faster)
Move!
(Avoid disaster)
Move!
(Move out of the way)
Move!
(Can’t afford to wait another day)
[Outro]
The crime to end time
It’s such a shame
(… only us to blame)
A SCIENCE NOTE
The impact of climate change on insurance rates and coverage illustrates the growing and unsustainable costs of climate-related disasters. In high-vulnerability areas like coastal properties and states such as Florida, Louisiana, Mississippi, Georgia, Oklahoma, Texas, Arizona, Arkansas, Alabama, New Mexico, Nevada, Colorado, California, and Washington, the convergence of rising insurance premiums, frequent natural disasters, and declining property values creates a compounding crisis. For example, in Florida, Louisiana, and California, taxpayers already subsidize homeowner insurance premiums due to the inability of private insurers to bear the mounting risks alone. In Florida, the state-owned insurer, Citizens Property Insurance Corporation, has become the largest insurer, a testament to the scale of market withdrawal by private companies. For those holding property in Florida, it may indeed be a case of “better late than never” to consider selling or relocating. As climate risks continue to escalate, so too will the financial and personal costs of remaining in high-risk areas. (i.e. Managed Retreat).
As climate-related disasters — such as hurricanes, wildfires, and flood — increase in both frequency and intensity, the economic strain on both taxpayers and insurance systems is becoming unsustainable. Florida’s reliance on taxpayer-backed insurance, for instance, exposes state finances to significant risk, particularly after events like Hurricane Ian in 2022, which caused catastrophic losses. Taxpayer-funded bailouts of insurance systems and rising deficits could divert resources from other critical areas, further exacerbating economic instability.
The real estate market in these high-risk zones is also feeling the effects. With increasing difficulty in obtaining or affording insurance, properties are losing value, and homeowners face the growing prospect of being unable to sell or refinance. Liquidating properties in such areas might mitigate individual financial risks, but widespread devaluation could trigger broader economic repercussions, including localized housing market collapses.
Insurance costs across sectors — including crop insurance, property insurance, real estate policies, and transportation coverage — are projected to rise annually as risk assessments become more climate-focused. In agriculture, extreme weather events such as droughts and floods are already inflating premiums for crop insurance, threatening the viability of farms. Similarly, transportation insurers face rising costs due to infrastructure damage from climate-related disasters, such as washed-out roads and disrupted supply chains.
To address these challenges, systemic reforms are necessary. This includes redesigning insurance models to incorporate climate resilience, investing in mitigation measures like improved infrastructure and flood defenses, and implementing policies that discourage development in high-risk zones. Without such changes, the cycle of rising costs and escalating risks will continue to burden individuals, businesses, and governments.
- Insurance Cost and Availability
- The Cost of Climate Change: Rising Homeowners Insurance Rates
- Climate Change and Insurance: The Los Angeles Wildfires
- The Insurance Crisis the FAIR Plan a System Under Strain: California’s insurance industry is facing a growing crisis, rendering it unsustainable and putting the state’s real estate market at significant risk of collapse.
- Climate Change’s Impact on Florida Insurance: For those holding property in Florida, it may indeed be a case of “better late than never” to consider selling or relocating. As climate risks continue to escalate, so too will the financial and personal costs of remaining in high-risk areas.
- Flood Insurance
- How is All Real Estate at Risk From Climate Change?