{"query_echo":{"q":"","filters":{"analysis_type":["climate attribution"]},"warnings":[{"code":"facet_value_not_in_vocabulary","message":"Value 'climate attribution' for facet 'analysis_type' is not in the controlled vocabulary."}]},"total":{"value":1,"relation":"eq"},"page":1,"page_size":20,"self":"https://climateinsightsdirectory.org/api/v1/search?analysis_type=climate+attribution","stability":"beta","ai_marking":{"digital_source_type":{"uri":"http://cv.iptc.org/newscodes/digitalsourcetype/trainedAlgorithmicMedia","name":"Created using Generative AI"},"notice":"Summary and key insights are generated using artificial intelligence."},"results":[{"id":"cliint-000061","url":"https://climateinsightsdirectory.org/document/cliint-000061","title":"Premiums on Fire","publisher":{"name":"Center for Climate Integrity","organization":"center-for-climate-integrity"},"document_type":"report","language":"en","date_published":"2025-03","source_url":"https://climateintegrity.org/uploads/media/Premiums-On-Fire-2025.pdf","generator":"Climate Insights Directory","generated_fields":["summary","key_insights","climate_tags","geography_discussed","analysis_type"],"summary":{"text":"The report examines how a 21.8% rate hike for State Farm homeowners insurance in California, approved in March 2025 following devastating wildfires in Los Angeles, disproportionately affects policyholders in high-risk areas. It projects that the average State Farm policyholder in California will pay $841 more in 2025 than in 2023, with some communities seeing premiums more than double. The analysis highlights that 280,000 policyholders across 122 communities will face annual premium increases of $1,000 or more. The document argues that these escalating costs are a direct result of climate change and suggests that the financial burden should shift from policyholders to the oil and gas companies responsible for fossil fuel pollution.","ai_generated":true,"unit":"cliint-000061#summary","date_modified":"2026-10-23"},"key_insights":[{"text":"The average State Farm policyholder in California is projected to pay $840.94 more for homeowners insurance in 2025 compared to 2023, representing an average percent increase of 45% over two years.","ai_generated":true,"unit":"cliint-000061#insight-1","date_modified":"2026-10-23"},{"text":"Significant premium increases are concentrated in high-risk areas, specifically zip codes along the Sierra Nevadas and Southern California regions prone to wildfires and rising seas; in some of these areas, premiums will more than double within two years.","ai_generated":true,"unit":"cliint-000061#insight-2","date_modified":"2026-10-23"},{"text":"Approximately 30% of California communities (122 subdivisions) will see average annual premiums rise by $1,000 or more from 2023 to 2025, affecting 280,167 policyholders.","ai_generated":true,"unit":"cliint-000061#insight-3","date_modified":"2026-10-23"},{"text":"The most extreme dollar increase is projected for zip code 91302 in Calabasas (Los Angeles County), where over 1,700 policyholders will see average premium increases of $7,553.72, or 75%.","ai_generated":true,"unit":"cliint-000061#insight-4","date_modified":"2026-10-23"},{"text":"The Laguna-Pine Valley CCD is expected to experience the highest percentage increase in average premiums between 2023 and 2025 at 94%, affecting 468 policyholders.","ai_generated":true,"unit":"cliint-000061#insight-5","date_modified":"2026-10-23"},{"text":"Three major wildfires in the Los Angeles region in January 2025 caused over $250 billion in damage, and attribution analysis indicates that climate change made the conditions contributing to this destruction more intense and probable.","ai_generated":true,"unit":"cliint-000061#insight-6","date_modified":"2026-10-23"},{"text":"The California FAIR Plan, the state's insurer of last resort, required an additional $1 billion in funds to remain solvent following the Los Angeles fires.","ai_generated":true,"unit":"cliint-000061#insight-7","date_modified":"2026-10-23"}],"climate_tags":["wildfire","climate change","climate finance","sea level rise","extreme event attribution","climate change litigation"],"geography_discussed":["Los Angeles","Calabasas","Sierra Nevada"],"frame_perspective":[],"analysis_type":["financial impact analysis","spatial analysis","climate attribution"]}]}