Is the world becoming uninsurable?

It seems everyone is on the same "We will find new solutions to a new problem". I totally agree.

Here is a list of all new solutions we need: 1) not insure places at higher risk 2) mass desalinification 3) fix US hot climate grids sparkles and/or place them underground 4) Street corridors to isolate fires in neighborhood 5) Build with more fire-resistant materials 6) Install automated hydrant towers with cameras able to spray water on fire remotely (it's done in Spain on the edge of forests and urban areas) 7) Pass on the costs of maintaining of living in expensive risky areas to the people living there and/or give them benefits to move to unpopulated areas with no risk

1) Not all the world will suffer equally from climate change. The parts that are at higher risk should not be insurable so that new housing will not be built there but somewhere else.

2) The idea there won't be water because it doesn't rain it's ridiculous. We live on a planet literally made of water. We'll develop mass production de-salinification plants and have enough water. We need to keep investing and improving that technology. I think having water artifically priced at a low price won't help the development of the desalinification industry. So water should cost more NOW that we can afford it to reflect the R&D cost of it that we must make to have water later.

5) Hot countries don't tend to have plenty of wood to build with. Forests grow with more rain. Building with wood in Spain and Italy is very rare. LA got his wood shipped from somewhere further out. Let's build with other materials in arid fire-prone zones. Yes it's perfectly possible to have houses that are both more-fire-resistant and more-earthquake resistant.

> We'll develop mass production de-salinification plants and have enough water.

And then you'll have the brine problem.

Honest question. Why when people describe wood framed homes do they always phrase it like houses made from "firewood", "sticks", "twigs" etc? It at least for me always detracts from the argument at hand. You could just as easily build a wood framed home with an exterior shell that is fire resistant using modern materials or brick.

A lot of what you said is intuitively/directionally correct, but misses a lot of important physics related to heat transfer in buildings and operational questions of space heating equipment.

This is your most accurate/relevant point:

> All of this is ignoring the fact that it’s easy to create a tiny personal heated environment around an individual (it’s called a woolly jumper).

Whereas this is plainly wrong:

> It’s much easier, and consumes less additional energy, to heat an occupied space, than to cool it.

And then the following is correct but the marginal reduction in load is minimal except in relatively crowded spaces (or spaces with very high equipment power densities):

> Thanks to the fact that your average human produces 80W of heat just to stay alive.

The truth is it is generally easier to cool not heat when you take into account the necessary energy input to achieve the desired action on the psychrometric chart, assuming by “ease” you mean energy (or emissions) used, given that you are operating over a large volume of air - which does align with your point about the jumper to be fair!

Generally speaking, an A/C uses approx. 1 unit of electricity for every 3 units of cooling that it produces since it uses heat transfer rather than heat generation (simplified ELI5). It is only spending energy to move heat, not make it. On the other hand, a boiler or furnace or resistance heat system generally uses around 1 unit of input energy for every 0.8-0.9 units of heating energy produced. Heat pumps achieve similar to coefficients of performance as A/Cs, because they are effectively just A/Cs operating in reverse.

Your point about a jumper is great, but there are local cooling strategies as well (tho not as effective), eg using a fan or an adiabatic cooling device (eg a mister in a hot dry climate).

> So cooling a living space is always more costly than heating a living space.

Once you move to cost, it now also depends on your fuel prices, not just your demand and system type. For instance, in America, nat gas is so cheap, that even with its inefficiencies relative to a heat pump, if electricity is expensive heating might still be cheaper than cooling per unit of thermal demand (this is true for instance in MA, since electricity is often 3x the price of NG). On the other hand, if elec is less than 3x the cost of nat gas, then cooling is probably cheaper than heating per unit of demand, assuming you use natural gas for your heating system.