加拿大保险公司因气候引起的损失而提高保险费并限制保险范围,使得许多高风险的房主无法获得洪水保险。 Canadian insurers raise premiums and limit coverage due to climate-driven losses, leaving many high-risk homeowners unable to get flood insurance.

由于极端天气成本上升,加拿大家庭保险公司正在提高保险费并限制保险范围。 2024年,由于30亿美元的冰雹和11亿美元的野火等事件,保险损失创下94亿美元的记录。 Canadian home insurers are raising premiums and limiting coverage due to rising costs from extreme weather, with 2024 seeing record $9.4 billion in insured losses from events like a $3 billion hailstorm and $1.1 billion wildfire. 在艾伯塔、安大略和魁北克的高风险地区,保险人正在增加扣减额——高达10 000美元,用于防洪防火和野火,并撤出高风险地区。 Insurers are increasing deductibles—up to $10,000—cutting flood and wildfire coverage, and pulling back from high-risk areas in Alberta, Ontario, and Quebec. 尽管行业声称有90%的洪水保险,但由于过时的风险数据和调整,只有大约一半的高风险房主能够实际获得。 Despite industry claims of 90% flood insurance availability, only about half of high-risk homeowners can actually obtain it, due to outdated risk data and redlining. 联邦政府正在投资更新洪水地图,但随着气候驱动的风险加剧,可负担性和可获取性仍是主要关切问题。 The federal government is investing to update flood maps, but affordability and access remain major concerns as climate-driven risks intensify.