How Bluelining Leaves Climate Vulnerable Communities Without Home Insurance

Photo by Jonathan Ford

In an era of climate disasters, Americans in vulnerable regions will need to rely more than ever on their home insurance. But as floods, wildfires, and severe storms become more common, a troubling practice known as “bluelining” threatens to leave many communities unable to afford insurance — or obtain it at any price.

Bluelining is an insidious practice with similarities to redlining — the notorious government-sanctioned practice of financial institutions...