Climate Shocks Are Making Parts of America Uninsurable. It Just Got Worse.

The New York Times

Climate Shocks Are Making Parts of America Uninsurable. It Just Got Worse.

Christopher Flavelle – May 31, 2023

A firefighter tried to save a home in Meyers, Calif. (NYT)

The climate crisis is becoming a financial crisis.

This month, the largest homeowner insurance company in California, State Farm, announced that it would stop selling coverage to homeowners. That’s not just in wildfire zones, but everywhere in the state.

Insurance companies, tired of losing money, are raising rates, restricting coverage or pulling out of some areas altogether — making it more expensive for people to live in their homes.

“Risk has a price,” said Roy Wright, the former official in charge of insurance at the Federal Emergency Management Agency, and now head of the Insurance Institute for Business and Home Safety, a research group. “We’re just now seeing it.”

In parts of eastern Kentucky ravaged by storms last summer, the price of flood insurance is set to quadruple. In Louisiana, the top insurance official says the market is in crisis, and is offering millions of dollars in subsidies to try to draw insurers to the state.

And in much of Florida, homeowners are increasingly struggling to buy storm coverage. Most big insurers have pulled out of the state already, sending homeowners to smaller private companies that are straining to stay in business — a possible glimpse into California’s future if more big insurers leave.

Growing ‘catastrophe exposure’

State Farm, which insures more homeowners in California than any other company, said it would stop accepting applications for most types of new insurance policies in the state because of “rapidly growing catastrophe exposure.”

The company said that while it recognized the work of California officials to reduce losses from wildfires, it had to stop writing new policies “to improve the company’s financial strength.” A State Farm spokesperson did not respond to a request for comment.

Insurance rates in California jumped after wildfires became more devastating than anyone had anticipated. A series of fires that broke out in 2017, many ignited by sparks from failing utility equipment, exploded in size with the effects of climate change. Some homeowners lost their insurance entirely because insurers refused to cover homes in vulnerable areas.

Michael Soller, a spokesperson for the California Department of Insurance, said the agency was working to address the underlying factors that have caused disruption in the insurance industry across the country and around the world, including the biggest one: climate change.

He highlighted the department’s Safer From Wildfires initiative, a fire resilience program, and noted that state lawmakers are also working to control development in the areas at highest risk of burning.

But Tom Corringham, a research economist with the Scripps Institution of Oceanography at the University of California San Diego who has studied the costs of natural disasters, said that allowing people to live in homes that are becoming uninsurable, or prohibitively expensive to insure, was unsustainable.

He said that policymakers must seriously consider buying properties that are at greatest risk, or otherwise moving residents out of the most dangerous communities.

“If we let the market sort it out, we have insurers refusing to write new policies in certain areas,” Corringham said. “We’re not sure how that’s in anyone’s best interest other than insurers.”

A broken model

California’s woes resemble a slow-motion version of what Florida experienced after Hurricane Andrew devastated Miami in 1992. The losses bankrupted some insurers and caused most national carriers to pull out of the state.

In response, Florida established a complicated system: a market based on small insurance companies, backed up by Citizens Property Insurance Corp., a state-mandated company that would provide windstorm coverage for homeowners who couldn’t find private insurance.

For a while, it mostly worked. Then came Hurricane Irma.

The 2017 hurricane, which made landfall in the Florida Keys as a Category 4 storm before moving up the coast, didn’t cause a particularly great amount of damage. But it was the first in a series of storms, culminating in Hurricane Ian last October, that broke the model insurers had relied on: One bad year of claims, followed by a few quiet years to build back their reserves.

Since Irma, almost every year has been bad.

Private insurers began to struggle to pay their claims; some went out of business. Those that survived increased their rates significantly.

More people have left the private market for Citizens, which recently became the state’s largest insurance provider, according to Michael Peltier, a spokesperson. But Citizens won’t cover homes with a replacement cost of more than $700,000, or $1 million in Miami-Dade County and the Florida Keys.

That leaves those homeowners with no choice but private coverage — and in parts of the state, that coverage is getting harder to find, Peltier said.

‘Just not enough wealth’

Florida, despite its challenges, has an important advantage: A steady of influx of residents who remain, for now, willing and able to pay the rising cost of living there. In Louisiana, the rising cost of insurance has become, for some communities, a threat to their existence.

Like Florida after Andrew, Louisiana’s insurance market started to buckle after insurers began leaving following Hurricane Katrina in 2005. Then, starting with Hurricane Laura in 2020, a series of storms pummeled the state. Nine insurance companies failed; people began rushing into the state’s own version of Florida’s Citizens plan.

The state’s insurance market “is in crisis,” Louisiana’s insurance commissioner, James J. Donelon, said in an interview.

In December, Louisiana had to increase premiums for coverage provided by its Citizens plan by 63%, to an average of $4,700 a year. In March, it borrowed $500 million from the bond market to pay the claims of homeowners who had been abandoned when their private insurers failed, Donelon said. The state recently agreed to new subsidies for private insurers, essentially paying them to do business in the state.

Donelon said he hoped that the subsidies would stabilize the market. But Jesse Keenan, a professor at Tulane University in New Orleans and an expert in climate adaptation and finance, said the state’s insurance market would be hard to turn around. The high cost of insurance has begun to affect home prices, he said.

In the past, it would have been possible for some communities — those where homes are passed down from generation to generation, with no mortgages required and no banks demanding insurance — to go without insurance altogether. But as climate change makes storms more intense, that’s no longer an option.

“There’s just not enough wealth in those low-income communities to continue to rebuild, storm after storm,” Keenan said.

A shift to risk-based pricing

Even as homeowners in coastal states face rising costs for wind coverage, they’re being squeezed from yet another direction: Flood insurance.

In 1968, Congress created the National Flood Insurance Program, which offered taxpayer-backed coverage to homeowners. As with wildfires in California and hurricanes in Florida, the flood program arose from what economists call a market failure: Private insurers wouldn’t provide coverage for flooding, leaving homeowners with no options.

The program achieved its main goal, of making flood insurance widely available at a price that homeowners could afford. But as storms became more severe, the program faced growing losses.

In 2021, FEMA, which runs the program, began setting rates equal to the actual flood risk facing homeowners — an effort to better communicate the true danger facing different properties, and also to stanch the losses for the government.

Those increases, which are being phased in over years, in some cases amount to enormous jumps in price. The current cost of flood insurance for single-family homes nationwide is $888 a year, according to FEMA. Under the new, risk-based pricing, that average cost would be $1,808.

And by the time current policyholders actually have to pay premiums that reflect that full risk, the impacts of climate change could make them much higher.

“Properties located in high-risk areas should plan and expect to pay for that risk,” David Maurstad, head of the flood insurance program, said in a statement.

The best way for policymakers to help keep insurance affordable is to reduce the risk people face, said Carolyn Kousky, associate vice president for economics and policy at the Environmental Defense Fund. For example, officials could impose tougher building standards in vulnerable areas.

Government-mandated programs, like the flood insurance plan, or Citizens in Florida and Louisiana, were meant to be a backstop to the private market. But as climate shocks get worse, she said, “we’re now at the point where that’s starting to crack.”

This Is the Early Heart Attack Symptom That’s Missed the Most Often, According to Cardiologists

Parade

This Is the Early Heart Attack Symptom That’s Missed the Most Often, According to Cardiologists

Leigh Weingus – May 31, 2023

When you think of a person having a heart attack, you most likely picture them falling to the floor clutching their chest. Because of this, many people don’t realize that there are a handful of other symptoms associated with heart attacks.

According to the Centers for Disease Control and Prevention (CDC), heart disease is the leading cause of death among both men and women in the United States. Because of this, not knowing all the signs is particularly dangerous.

With that in mind, Parade spoke with cardiologists to find out what the most commonly missed early heart attack symptom is—and other top symptoms to watch out for.

The Most Commonly-Missed Early Heart Attack Symptom

According to Dr. Estelle Jean, MD, a cardiologist with MedStar Montgomery Medical Center in Montgomery County, Maryland, the most commonly missed heart attack symptom is shortness of breath. Because shortness of breath can be attributed to many things, if it’s occurring without chest pain, people don’t tend to think it means they’re having a heart attack. “Shortness of breath is a commonly missed early symptom of a heart attack, and it can occur with or without chest discomfort,” she explains.

Dr. Max Brock, MD, a cardiologist at Cook, echoes this. “Trouble breathing, or ‘dyspnea’ in medical lingo, can be caused by many things, but sometimes it is the only sign of a heart attack for some patients,” he says.

Related: This Is the Most Commonly Missed Early Cancer Symptom

Other Commonly-Missed Heart Attack Symptoms

Dr. Brock says you should also watch out for chest pressure, even if it isn’t accompanied by pain. “As many people are aware, chest discomfort is the most common symptom of a heart attack, but people tend to think that has to mean pain specifically where your heart is, on the left side of your chest,” he says. “Chest pressure, a crushing sensation or tightness in the chest, and upper abdominal pain are also some of the many ways patients describe their heart attack. Do not wait around for left-sided chest pain!”

Dr. Jean adds that other heart attack symptoms include pain in the shoulder, arm, neck, jaw, back and stomach. “People may also experience nausea or vomiting, heartburn, dizziness, sweating, palpitations and fatigue when having a heart attack.”

Related: Here’s What Your Resting Heart Rate Can Really Tell You About Your Heart Health

How To Prevent a Heart Attack

While it’s important to take as many preventative measures as possible, Dr. Jean says understanding the signs of a heart attack is crucial. “Know the signs of a heart attack and don’t ignore your symptoms. The chances for surviving a heart attack depend on receiving immediate and timely care,” she explains, adding that 80 percent of heart attacks can be prevented by taking healthy lifestyle measures. “This includes maintaining a healthy weight, staying physically active, eating a healthy diet, not smoking, limiting alcohol intake, sleeping seven to nine hours at night and managing your stress,” she says. “And don’t forget to schedule a visit with your healthcare provider to assess your risk for heart disease, and to learn about your personal health numbers (blood pressure, cholesterol, blood sugar).”

Related: What To Know About the Connection Between Blood Sugar and Heart Disease

Dr. Brock emphasizes the importance of movement. “Staying active is so important for your heart, as it is for many of your other organs,” he explains. “You don’t need to go out and sprint or bike long distances. Moderate exercise is sufficient—and when I say moderate, I tell my patients this is the type of exertion where it is harder to hold a long conversation with your exercise partner, but you are still able to talk in shorter sentences. It’s the type of exercise where you break into a sweat by the end!”

While heart disease is scary, there’s a lot you can do to prevent it—and catch it early enough to not put your life at risk.

Next up: This Is the Worst Habit for Blood Sugar, According to an Expert

Coconut Water: The Super Drink That May Ease Inflammation, Lower Blood Pressure, and Speed Weight Loss

Womens’s World

Coconut Water: The Super Drink That May Ease Inflammation, Lower Blood Pressure, and Speed Weight Loss

Ann Green – May 31, 2023

Tired of drinking plain water? It’s important to stay hydrated, but that doesn’t mean your beverages have to be flavorless and boring. Enter coconut water: an excellent alternative with important nutrients. Not only is it sweet and hydrating, but it also contains minerals that are vital to your wellbeing. In addition, research shows that coconut water may have impressive health benefits for inflammation, high blood pressure, and high blood pressure. It may even aid in your weight-loss journey. Learn more about this super drink below.

Coconut water may ease inflammation.

Research has shown that coconut water contains antioxidants, which may reduce inflammation in the body. In an animal study, investigators learned that coconut water reduced inflammation in rats on a high-fructose (a complex sugar) diet. Another study found that a concentrated form of coconut water eased inflammation in animal liver cells. Why might this drink work on inflammation? Antioxidants protect our tissues from oxidative stress — a natural phenomenon that occurs when unstable molecules, known as free radicals, damage our cells.

It may lower blood pressure.

Unsweetened coconut water contains potassium, which relaxes blood vessel walls. And that’s not the only proof it may help reduce blood pressure. A 2016 animal study found that coconut water extracts contain antioxidants that have a hypolipidemic effect, meaning they help reduce cholesterol levels in the blood. Keep in mind that you may need to watch your coconut water intake if you are on blood pressure medication — ask your doctor for more information.

It may speed slimming.

Though not enough studies show that coconut water directly speeds weight loss, it’s an excellent beverage to add to your diet if you are trying to lose weight. Staying hydrated can help you burn more calories and reduce hunger cravings. One cup contains just 60 calories, 4 percent of your daily calcium, 4 percent of your daily magnesium, 2 percent of phosphorus and 15 percent of potassium — vitamins that are important for maintaining proper body functions as you cut calories.

It may steady blood sugar.

Some research shows that unflavored coconut water can help people maintain healthy blood sugar levels — especially if they are diabetic. For instance, one study published in 2015 found that coconut water had anti-diabetic properties in animals, thanks to its L-arginine (an amino acid that helps the body build protein). Another study published in 2021 noted that coconut water reduced blood sugar levels in animals.

Coconut Water Smoothies To Try

Wondering how you can incorporate more coconut water into your routine? We recommend Harmless Harvest Organic Coconut Smoothies (Buy from your local grocery store, prices vary). Try these delicious smoothie recipes.

Coconut Spinach Smoothie

tropical green smoothie birds eye view
Getty Images

This delicious blend may fight wrinkles, hair loss, and inflammation.

Ingredients:

  • 8 ounces coconut water
  • 1 handful leafy greens, kale or spinach
  • 1 cup frozen pineapple or mango chunks (or use ½ cup of both!)
  • ¼ ripe avocado
  • 1 scoop collagen powder

Instructions:

Combine ingredients in a blender. Enjoy!

Coconut Mango Smoothie

<span><span>Getty Images</span></span>
Getty Images

Enjoy a taste of summer with this delicious, creamy blend. This smoothie contains spinach as well, but if you’re not a fan, simply leave it out.

Ingredients:

  • 12 ounces coconut water
  • 1 cup frozen mango chunks
  • 1 cup or a handful of spinach (or any leafy greens)
  • 2 tablespoons chia seeds

Instructions:

Combine all ingredients in a blender. Enjoy!

Berry Coconut Smoothie

Coconut Berry Smoothie
marcin jucha/Shutterstock

Replace your dessert with this delicious mix, and you’ll be well on your way to a healthy lifestyle.

Ingredients:

  • 3 cups frozen berries
  • 2 tablespoons warm water
  • 1 cup of coconut milk yogurt or your favorite alternative
  • 1 cup coconut water
  • 1 banana
  • 1 teaspoon ground cinnamon (optional)

Instructions:

Combine ingredients in a blender. Enjoy!

More Than 1 in 4 American Homeowners Is ‘House Poor’

THe New York Times

More Than 1 in 4 American Homeowners Is ‘House Poor’

Debra Kamin – May 30, 2023

More Than 1 in 4 American Homeowners Is ‘House Poor’

More than one-quarter of homeowners in the United States are “house poor,” spending more than 30% of their income on housing costs, according to a new study.

Chamber of Commerce, a product research company for real estate agents and entrepreneurs, used numbers from the U.S. Census Bureau to analyze monthly housing costs and median household income in the 170 most populated U.S. cities. The company found that 27.4% of all homeowners are “cost-burdened” in its study.

Miami, Los Angeles and New York City have the highest number of “house poor” residents, with more than 4 in 10 homeowners in each city feeling stretched beyond their means by their housing bills. And with the exception of New York City, the top 10 cities in the United States for cost-burdened homeowners are all located in either California or Florida.

Why it matters: Housing costs are on the rise nationwide.

Mortgage interest rates, which dipped to historic lows at the beginning of the pandemic, climbed past 7% in 2022 — the highest numbers seen since 2002. And although rates slightly cooled in the early months of 2023, new homeowners today are still saddled with significantly higher monthly mortgage payments than neighbors who locked in a lower rate.

Add skyrocketing inflation and stagnating wages into the pot, and Americans owe trillions more than they did at the start of the pandemic. Higher housing costs means less set aside for savings, spending and emergencies.

It’s not just homeowners being squeezed, either: Rising housing costs push up rents as well, meaning both renters and homeowners are feeling strapped.

Background: The number of cost-burdened homeowners had been on the decline.

The “30% rule” is a longtime piece of personal finance gospel that advises keeping all housing expenses, including rent or mortgage payments, property taxes and utilities, from cutting into more than 30% of your monthly income.

From 2015 to 2019, the percentage of U.S. homeowners who were considered financially strapped dropped each year, from 29.4% in 2015 to 26.5% in 2019. But the pandemic has now started to erase those gains.

Los Angeles and New York mirror that national trend: In Los Angeles, where nearly half of homeowners are currently house poor, the number of cash-strapped owners dropped 4 percentage points between 2015 and 2019 but is now climbing again. The same goes for New York City, where in 2021, more than 45% of homeowners were house poor, up from 41.3% in 2019.

Miami, however, bucked the trend: The percentage of house-poor homeowners there was 44.6% in 2021, down 2 1/2 points from 2019.

What’s next: Federal interest rates might offer relief.

The Federal Reserve, fighting an uphill battle against inflation, has increased interest rates every month since March 2022. And while the Fed does not set mortgage rates, many home loans are tethered to their actions.

America’s central bank is now signaling that after nearly a year of consecutive rate increases, a break is on the horizon.

“That could signal some relief, at least for new homeowners,” said Collin Czarnecki, a researcher at Chamber of Commerce.

A Small Town’s Tragedy, Distorted by Trump’s Megaphone

The New York Times

A Small Town’s Tragedy, Distorted by Trump’s Megaphone

Charles Homans and Ken Bensinger – May 29, 2023

From left, Larry Erickson, Sue Bakko, and Bob Bailey having breakfast at the Hunting Shack Cafe in McHenry, N.D., on May 24, 2023. (Lewis Ableidinger/The New York Times)
From left, Larry Erickson, Sue Bakko, and Bob Bailey having breakfast at the Hunting Shack Cafe in McHenry, N.D., on May 24, 2023. (Lewis Ableidinger/The New York Times)

McHENRY, N.D. — There were no known witnesses when Shannon Brandt and Cayler Ellingson got into an argument in the blurry hours after last call at Buck’s n Doe’s Bar & Grill in September. And no one but Brandt could say with certainty what led him to run over Ellingson with his Ford Explorer, crushing him to death in a gravel alley.

But the people of McHenry, a town of 64 in sparsely populated Foster County, North Dakota, have gotten used to hearing from people who think they know.

They include former President Donald Trump, who denounced the killing of Ellingson, an 18-year-old recent high school graduate, at the hands of a “deranged Democrat maniac who was angry that Cayler was a Republican” in a Truth Social post. Rep. Marjorie Taylor Greene of Georgia described Brandt on Twitter as a “Democrat political terrorist” and cited the case as evidence that “Democrats want Republicans dead, and they’ve already started the killings.”


Trump and Greene were among a chorus of Republican politicians — including several members of Congress and the attorney general of North Dakota — who rushed to condemn Brandt. They relied on a handful of early news stories that cited a state highway patrol officer’s report, which suggested Brandt killed Ellingson because he believed he was a “Republican extremist.”

That claim, made weeks before the midterm elections, ignited a brief national political firestorm. Republican politicians and right-wing media figures claimed that Brandt had been inspired by President Joe Biden’s recent warnings about “extremism” in the Republican Party. They complained that news media coverage of political violence willfully ignored instances when the assailants were Democrats.

But the episode quickly became an example of another media phenomenon: the distortion of complex, painful events to fit an opportune political narrative.

Although evidence in the case suggests the two men argued about politics that night, law enforcement officials concluded quickly that the killing was not politically motivated. The prosecutor for Foster County who brought the charges never accused Brandt of running over Ellingson because of political beliefs.

Acquaintances and a family member could not recall Brandt, a 42-year-old welder with no history of party registration, expressing political views.

Late last month, the murder charge against Brandt was downgraded to manslaughter, which carries a sentence of up to 10 years in prison. He agreed on May 18 to plead guilty.

By averting a courtroom trial, the plea leaves many questions hanging over a still largely unexplained incident — and over a town that found itself swept abruptly into a national political cyclone and just as abruptly cast out.

In conversations this month, residents of McHenry — a conservative, close-knit agricultural community where most families, including the Ellingsons and the Brandts, have known each other for decades, if not generations — said the narrative of the tragedy that Trump and others promoted never made much sense to them. But except for a handful of county officials, they have shied away from speaking on the record about it.

Robyn Sorum, the mayor of McHenry, said she had advised the community against doing so to avoid worsening local tensions around the case. “Anywhere something like this happens, it’s a tragedy, you know?” she said. “But then you get to a small town where everyone knows each other, it makes it even rougher.”

Ellingson’s family did not comment. Brandt, through his attorney, Mark Friese, declined an interview.

Friese, who did not discuss details of the incident, described the aftermath as a cautionary tale. “I think we’re going to see more of this,” he said. “Things end up being tried on social media instead of in the courtroom.”

A Confusing Encounter

The town of McHenry sits on a crosshatch of gravel roads etched into an undulating plain of wheat and soybean farms and Angus cattle ranches. The nearest landmarks of any significance, a 30- and 60-minute drive away, respectively, are a decommissioned intercontinental ballistic missile silo and the world’s largest concrete buffalo.

“It’s a nice little town,” said Sorum, who is also the proprietor of the Hunting Shack cafe, the only business besides Buck’s n Doe’s on the town’s main thoroughfare. “Everybody tries to help everybody else.”

On the night of Sept. 17, 100 or so people from McHenry and surrounding towns gathered outside of Buck’s n Doe’s for McHenry Days, a local festival. After midnight, when a three-piece country band from Fargo packed up and went home, some of the festival goers drifted into the bar.

The crowd included Ellingson, who had come to the festival with his family and stayed behind with his brother after their parents drove back to nearby Grace City. And it included Brandt, who came from a locally prominent family that had lived in McHenry since the early 20th century. His father and uncle had shot the immense trophy elks that looked down upon patrons from the walls of the bar.

Buck’s n Doe’s closed at 2 a.m. Fifty-five minutes later, the county 911 dispatcher received a call from Brandt. “I hit a man with my vehicle,” he said in the recording of the call.

At the time, Ellingson was alive and conscious but badly injured. He died later that morning at a hospital.

The next day, two Fargo television stations reported that a sworn declaration from a highway patrol officer said that Brandt had claimed Ellingson “was part of a Republican extremist group” and admitted to hitting the teen with his car “because he had a political argument” with him. The highway patrolman’s statement was based on a recording of the 911 call and an interview of Brandt by two other law enforcement officers.

But the declaration appears to have mischaracterized the 911 call. And the prosecutor never presented evidence that showed Brandt told officers that he ran into the teen because of the argument or that he believed he was part of an extremist group. Five days after the incident, a captain in the North Dakota State Highway Patrol told reporters that his agency had concluded the killing was “not political in nature at all.”

Subsequent court filings and testimony instead revealed a murkier, more confused encounter.

In phone calls, Brandt and Ellingson both made a reference to some sort of political dispute. Both called family members during the encounter, and each described feeling threatened, according to court records.

Ellingson told his mother “some politics had got brought up” and Brandt “didn’t like what he had to say,” according to a state Bureau of Criminal Investigation agent who interviewed Ellingson’s mother. She recalled her son saying “something to the effect of, ‘They’re on to me. I should round up my cousins or my posse,’” the agent testified.

In his 911 call after he hit Ellingson, Brandt said the teenager had said “something about some Republican extremist group,” but he did not claim Ellingson was a member. Brandt told the dispatcher he believed the teen was “calling other guys to come get me.” There’s no evidence Ellingson did so.

In the 911 call, Brandt described trying to leave in a panic only to be blocked by Ellingson. At one point he said he knew his running over Ellingson had been “more than” an accident. But he otherwise insisted the act had been unintentional. “I never meant to hurt him,” he told the dispatcher.

Both men were intoxicated. Brandt’s family and Friese say Brandt has been diagnosed with autism spectrum disorder, which Friese argued was a relevant factor in the case. An autopsy by the state forensic medical examiner ruled the cause of death as “accidental.”

‘Politically Motivated’

In the days after the episode, several local news outlets published articles. As is typical with early reports, those first stories relied heavily on the sparse details provided by law enforcement records.

“Man admits to killing teen after political dispute in Foster Co., court docs allege,” was the headline published online by Valley News Live, a news outlet based in Fargo, the day after Ellingson’s death.

The next morning, Gateway Pundit, a right-wing site that regularly seeds stories in the conservative media, wrote its own version under the headline “Crazed North Dakota man runs over and kills teen for ‘extremist’ Republican views.”

That evening, the case hit Fox News’s prime-time lineup, where it stayed for days. “This is a guy who intended to kill an 18-year-old Republican because he was a Republican,” Jeanine Pirro said during an on-air debate about the incident, claiming that Brandt chased Ellingson in his vehicle.

Pirro blamed Biden, who she said “is the one who started this extremist hate” when he made a speech about the perils of far-right extremism earlier that month. On Twitter, Greene posted a clip of Biden referencing “extreme MAGA Republicans,” adding that Ellingson was “executed in cold blood by a Democrat political terrorist because of rhetoric like this.”

The case spread across the right-wing ecosystem, from Jack Posobiec, the far-right conspiracy theorist and podcaster, to Rep. Jim Jordan of Ohio, who appeared on Laura Ingraham’s Fox News show, calling Brandt a “terrible guy.” State Attorney General Drew H. Wrigley condemned the episode as “hateful violence.”

In McHenry and the neighboring town of Glenfield, where Brandt lives, acquaintances said they were surprised by the claims of a political motive. There is no evidence in public records or court filings suggesting Brandt is a Democrat.

“I can honestly tell you, I don’t know who Shannon voted for in the last presidential election,” Ashley Brandt-Duda, Brandt’s sister, said in an interview. Although their parents are both registered Republicans, “I would say my family is quite apolitical,” she said.

Brandt’s reference to extremists was similarly met with surprise in McHenry, where both residents and law enforcement officials profess to know little about such groups. The county sheriff’s records do mention one previously unreported incident: In October, a long-shuttered local school was found to have been vandalized, its interior walls spray-painted with the stenciled logo of Patriot Front, a white nationalist group.

The building’s owner, David Ludwig, initially told a sheriff’s deputy that the break-in happened the weekend of Ellingson’s killing. But when reached by The New York Times, he said that timing was just a guess. Justin Johnson, the Foster County sheriff, said he considered the incident to be “totally unrelated.”

Nothing on public record suggests that Ellingson or Brandt had links to extremist groups.

‘Everything Just Exploded’

In the week and a half after Ellingson’s death, the case was discussed on at least seven Fox News shows. The coverage continued well after law enforcement officials had said the killing was not politically motivated, a point that was only occasionally mentioned on-air.

Brandt-Duda said her parents left their home in McHenry out of concern for their safety. When they returned about a week later, they found more than 50 threatening messages on their answering machine.

They received numerous threatening letters, too, Brandt-Duda said. One was written on the margins of an article about the incident from The New York Post, she said. The newspaper covered the case extensively and also published an opinion column arguing that the “president of the United States, supported by a fan-girl media, spouts irresponsible rhetoric that led to Ellingson’s death.”

“Everything just exploded,” Brandt-Duda said.

The county court and sheriff’s offices also received numerous threats, according to multiple local officials. On Sept. 29, 11 days after Ellingson’s death, the county prosecutor, Kara Brinster, dropped the initial charge of vehicular homicide, which is used for fatal drunken driving accidents, for a new one: intentional homicide, which carries a sentence of up to life in prison.

Brinster did not respond to requests for comment on the decision.

Then, as quickly as it swelled, the media frenzy receded. Fox Digital, the TV network’s online arm, continued to publish articles that acknowledged the more complicated story that was emerging from officials. But Fox News’ hosts did not mention the case on-air again after Sept. 30.

Asked for comment, a Fox spokesperson, Jessica Ketner, noted the company’s online articles but did not comment on the network’s television coverage.

Gateway Pundit, too, stopped publishing stories on the case. Politicians who had been quick to speak out appeared to lose interest. Trump, Greene, Jordan and Wrigley did not respond to requests for comment.

This month, after Brinster dismissed the intentional homicide charge, the decision merited little more attention than a front-page story in The Foster County Independent and an article by The Associated Press.

But just as Brandt agreed to plead guilty, Posobiec, the right-wing podcaster, took up the story again. In a segment on his daily show, he singled out the prosecutor, claiming she had gone soft on Brandt. He posted her photograph and phone number online, and told listeners to call her to complain.

“Maybe Kara Brinster should be prosecuted,” he said. “Maybe we should look into her.”

Just when we were starting to see COVID and RSV rates drop this spring, another type of virus contributed to a spike in respiratory infections

Insider

Just when we were starting to see COVID and RSV rates drop this spring, another type of virus contributed to a spike in respiratory infections

Rebecca Cohen and Hilary Brueck – May 29, 2023

Cough
Josep Suria/Shutterstock
  • Human metapneumovirus spiked this spring as cases of COVID and RSV fell.
  • According to the CDC, 19.6% of antigen tests and nearly 11% of PCR tests for HMPV were positive in the US in early March.
  • Symptoms of HMPV include cough, fever, nasal congestion, and shortness of breath.

Cases of another type of respiratory virus spiked this spring, just as COVID-19 and RSV rates were finally falling in the US.

According to the Centers for Disease Control and Prevention, 19.6% of antigen tests and nearly 11% of PCR tests for human metapneumovirus, or HMPV, were positive in the US in early March.

The nearly 11% of positive PCR cases is up 36% since before the COVID-19 pandemic when PCR tests for HMPV were coming back with a rate of 7% positivity, per CDC.

In contrast, COVID-19 cases were down nearly 30% at the beginning of March, according to the World Health Organization, and the number of people being hospitalized for RSV was down to 1.2 people per 100,000 in March from 4.5 people per 100,000 in January, according to CDC data.

Virus experts say this illness pattern looks a little more like the seasonality they typically saw in the US pre-pandemic, when RSV cases would spike first in the fall, then influenza would surge, and later in the season parainfluenzas and human metapneumovirus would circulate, into the spring.

“They would come in waves,” Dr. Pedro Piedra, a professor of molecular virology and respiratory virus expert at Baylor College of Medicine, previously told Insider. “These viruses, whether they be influenza, or RSV, or human metapneumovirus, can have a significant consequence on our health.”

How to treat an HMPV infection
Miami Beach, Florida, Navarro Pharmacy, cough medicine, cold and flu, over the counter medication aisle.
Jeffrey Greenberg/Universal Images Group via Getty Images

Symptoms of HMPV mimic other viruses, and include a cough, fever, nasal congestion, and shortness of breath. The infection can also progress into bronchitis, pneumonia, or other illnesses that cause upper and lower respiratory distress.

Some people with HMPV might get sick for longer than others, depending on the severity of their illness. Most people with respiratory infections caused by viruses like HMPV are sick for about a week to two weeks.

At home, you can treat symptoms of HMPV like you would other mild viral illnesses. Fever, aches and pains can be soothed with over the counter medications like Tylenol (acetaminophen) or Advil (ibuprofen) as well as decongestant drugs. There’s no vaccine for HMPV, nor is there an antiviral drug like Paxlovid or Tamiflu developed to treat it. Stay hydrated, and get lots of rest.

HMPV is spread by coughs and sneezes, close personal contact, and touching surfaces infected with the virus, then touching your mouth, nose, or eyes.

Struggles continue for thousands in Florida 8 months after Hurricane Ian as new storm season looms

Associated Press

Struggles continue for thousands in Florida 8 months after Hurricane Ian as new storm season looms

Curt Anderson – May 28, 2023

A skeleton in sunglasses sits beside a sign reading "Just waiting for the insurance check," outside the closed Kona Kai Motel on Sanibel Island, Fla., Thursday, May 11, 2023. In Sanibel, the lingering damage is not quite as widespread as in Fort Myers Beach, but many businesses remain shuttered as they are repaired and storm debris is everywhere. Seven local retail stores have moved into a shopping center in mainland Fort Myers, hoping to continue to operate while awaiting insurance payouts, construction permits, or both before returning to the island. (AP Photo/Rebecca Blackwell)
A skeleton in sunglasses sits beside a sign reading “Just waiting for the insurance check,” outside the closed Kona Kai Motel on Sanibel Island, Fla., Thursday, May 11, 2023. In Sanibel, the lingering damage is not quite as widespread as in Fort Myers Beach, but many businesses remain shuttered as they are repaired and storm debris is everywhere. Seven local retail stores have moved into a shopping center in mainland Fort Myers, hoping to continue to operate while awaiting insurance payouts, construction permits, or both before returning to the island. (AP Photo/Rebecca Blackwell)
In this drone photo, restaurants operate from food trucks with outdoor seating in the Times Square area, where many businesses were completely destroyed during Hurricane Ian, in Fort Myers Beach, Fla., Wednesday, May 10, 2023. With this year's Atlantic hurricane season officially beginning June 1, recovery is far from complete in hard-hit Fort Myers Beach, Sanibel and Pine Island. Blank concrete slabs reveal where buildings, many of them once charming, decades-old structures that gave the towns their relaxed beach vibe, were washed away or torn down. (AP Photo/Rebecca Blackwell)
In this drone photo, restaurants operate from food trucks with outdoor seating in the Times Square area, where many businesses were completely destroyed during Hurricane Ian, in Fort Myers Beach, Fla., Wednesday, May 10, 2023. With this year’s Atlantic hurricane season officially beginning June 1, recovery is far from complete in hard-hit Fort Myers Beach, Sanibel and Pine Island. Blank concrete slabs reveal where buildings, many of them once charming, decades-old structures that gave the towns their relaxed beach vibe, were washed away or torn down. (AP Photo/Rebecca Blackwell)
Omar Del Rio, a civil engineer currently subcontracted to FEMA, and his wife Maria wheel shopping carts full of groceries and supplies to their car as they leave the free food pantry operating underneath the heavily damaged Beach Baptist Church in Fort Myers Beach, Fla., Thursday, May 11, 2023. Before Hurricane Ian devastated Fort Myers Beach in 2022, the Del Rios rented an apartment on the island, living near the rented homes of their adult son and daughter, who each lived with their spouse and three children. All three homes were lost in the storm, and the six adults and six children were forced to spend months living together in one camper. (AP Photo/Rebecca Blackwell)
Omar Del Rio, a civil engineer currently subcontracted to FEMA, and his wife Maria wheel shopping carts full of groceries and supplies to their car as they leave the free food pantry operating underneath the heavily damaged Beach Baptist Church in Fort Myers Beach, Fla., Thursday, May 11, 2023. Before Hurricane Ian devastated Fort Myers Beach in 2022, the Del Rios rented an apartment on the island, living near the rented homes of their adult son and daughter, who each lived with their spouse and three children. All three homes were lost in the storm, and the six adults and six children were forced to spend months living together in one camper. (AP Photo/Rebecca Blackwell)
In this photo taken with a drone, the remains of homes demolished after sustaining heavy damage in Hurricane Ian are seen in Tropicana Sands mobile home park, bottom, in Fort Myers, Fla., Wednesday, May 10, 2023. More than seven months after the storm, crews continue removing debris after demolishing all but a handful of the hundreds of manufactured homes in the community marketed to active adults ages 55 and up. The state estimated the total insured loss from Ian in Florida was almost $14 billion, with more than 143,000 claims still open without payment or claims paid but not fully settled as of March 9. (AP Photo/Rebecca Blackwell)
In this photo taken with a drone, the remains of homes demolished after sustaining heavy damage in Hurricane Ian are seen in Tropicana Sands mobile home park, bottom, in Fort Myers, Fla., Wednesday, May 10, 2023. More than seven months after the storm, crews continue removing debris after demolishing all but a handful of the hundreds of manufactured homes in the community marketed to active adults ages 55 and up. The state estimated the total insured loss from Ian in Florida was almost $14 billion, with more than 143,000 claims still open without payment or claims paid but not fully settled as of March 9. (AP Photo/Rebecca Blackwell)
Jacquelyn and Timothy Velazquez sit inside the gutted shell of their 910 square foot two-bedroom home, which was damaged when Hurricane Ian's storm surge rose to within inches of the ceiling, in Fort Myers Beach, Fla., Wednesday, May 24, 2023. The couple has laid down new flooring, but is still battling with their insurance company to have the damage to the leaking roof covered, while waiting on permits for the renovation work. (AP Photo/Rebecca Blackwell)
Jacquelyn and Timothy Velazquez sit inside the gutted shell of their 910 square foot two-bedroom home, which was damaged when Hurricane Ian’s storm surge rose to within inches of the ceiling, in Fort Myers Beach, Fla., Wednesday, May 24, 2023. The couple has laid down new flooring, but is still battling with their insurance company to have the damage to the leaking roof covered, while waiting on permits for the renovation work. (AP Photo/Rebecca Blackwell)

FORT MYERS BEACH, Fla. (AP) — Eight months ago, chef Michael Cellura had a restaurant job and had just moved into a fancy new camper home on Fort Myers Beach. Now, after Hurricane Ian swept all that away, he lives in his older Infiniti sedan with a 15-year-old long-haired chihuahua named Ginger.

Like hundreds of others, Cellura was left homeless after the Category 5 hurricane blasted the barrier island last September with ferocious winds and storm surge as high as 15 feet (4 meters). Like many, he’s struggled to navigate insurance payouts, understand federal and state assistance bureaucracy and simply find a place to shower.

“There’s a lot of us like me that are displaced. Nowhere to go,” Cellura, 58, said during a recent interview next to his car, sitting in a commercial parking lot along with other storm survivors housed in recreational vehicles, a converted school bus, even a shipping container. “There’s a lot of homeless out here, a lot of people living in tents, a lot of people struggling.”

Recovery is far from complete in hard-hit Fort Myers Beach, Sanibel and Pine Island, with this year’s Atlantic hurricane season officially beginning June 1. The National Oceanic and Atmospheric Administration is forecasting a roughly average tropical storm season forecast of 12 to 17 named storms, five to nine becoming hurricanes and one to four powering into major hurricanes with winds greater than 110 mph (177 kph).

Another weather pattern that can suppress Atlantic storms is the El Nino warming expected this year in the Pacific Ocean, experts say. Yet the increasingly warmer water in the Atlantic basin fueled by climate change could offset the El Nino effect, scientists say.

In southwest Florida, piles of debris are everywhere. Demolition and construction work is ongoing across the region. Trucks filled with sand rumble to renourish the eroded beaches. Blank concrete slabs reveal where buildings, many of them once charming, decades-old structures that gave the towns their relaxed beach vibe, were washed away or torn down.

Some people, like Fort Myers Beach resident Jacquelyn Velazquez, are living in campers or tents on their property while they await sluggish insurance checks or building permits to restore their lives.

“It’s, you know, it’s in the snap of the finger. Your life is never going to be the same,” she said next to her camper, provided under a state program. “It’s not the things that you lose. It’s just trying to get back to some normalcy.”

Ian claimed more than 156 lives in the U.S., the vast majority in Florida, according to a comprehensive NOAA report on the hurricane. In hard-hit Lee County — location of Fort Myers Beach and the other seaside towns — 36 people died from drowning in storm surge and more than 52,000 structures suffered damage, including more than 19,000 destroyed or severely damaged, a NOAA report found.

Even with state and federal help, the scale of the disaster has overwhelmed these small towns that were not prepared to deal with so many problems at once, said Chris Holley, former interim Fort Myers Beach town manager.

“Probably the biggest challenge is the craziness of the debris removal process. We’ll be at it for another six months,” Holley said. “Permitting is a huge, huge problem for a small town. The staff just couldn’t handle it.”

Then there’s battles with insurance companies and navigating how to obtain state and federal aid, which is running into the billions of dollars. Robert Burton and his partner Cindy Lewis, both 71 and from Ohio, whose mobile home was totaled by storm surge, spent months living with friends and family until finally a small apartment was provided through the Federal Emergency Management Agency. They can stay there until March 2024 while they look for a new home.

Their mobile home park next to the causeway to Sanibel is a ghost town, filled with flooded-out homes soon to be demolished, many of them with ruined furniture inside, clothes still in closets, art still on the walls. Most homes had at least three feet of water inside.

“No one has a home. That park will not be reopened as a residential community,” Lewis said. “So everybody lost.”

The state Office of Insurance Regulation estimated the total insured loss from Ian in Florida was almost $14 billion, with more than 143,000 claims still open without payment or claims paid but not fully settled as of March 9.

With so many people in limbo, places like the heavily damaged Beach Baptist Church in Fort Myers Beach provide a lifeline, with a food pantry, a hot lunch stand, showers and even laundry facilities for anyone to use. Pastor Shawn Critser said about 1,200 families per month are being served at the church through donated goods.

“We’re not emergency feeding now. We’re in disaster recovery mode,” Critser said. “We want to see this continue. We want to have a constant presence.”

In nearby Sanibel, the lingering damage is not quite as widespread although many businesses remain shuttered as they are repaired and storm debris is everywhere. Seven local retail stores have moved into a shopping center in mainland Fort Myers, hoping to continue to operate while awaiting insurance payouts, construction permits, or both before returning to the island.

They call themselves the “Sanibel Seven,” said Rebecca Binkowski, owner of MacIntosh Books and Paper that has been a Sanibel fixture since 1960. She said her store had no flood insurance and lost about $100,000 worth of books and furnishings in the storm.

“The fact of the matter is, we can get our businesses back up and running but without hotels to put people in, without our community moving back, it’s going to be hard to do business,” she said. “You hope this is still a strong community.”

Yet, the sense among many survivors is one of hope for the future, even if it looks very different.

Cellura, the chef living in his car, has a new job at another location of the Nauti Parrot restaurant on the mainland. Insurance only paid off the outstanding loan amount on his destroyed camper and he didn’t qualify for FEMA aid, leaving him with virtually nothing to start over and apartment rents rising fast.

But, after 22 years on the island, he’s not giving up.

“I believe that things will work out. I’m strong. I’m a survivor,” he said. “Every day I wake up, it’s another day to just continue on and try to make things better.”

AP visual journalist Laura Bargfeld and photographer Rebecca Blackwell contributed to this story.

Russia launched ‘largest drone attack’ on Ukrainian capital before Kyiv Day; 1 killed

Associated Press

Russia launched ‘largest drone attack’ on Ukrainian capital before Kyiv Day; 1 killed

Susie Blann and Elise Morton – May 28, 2023

KYIV, Ukraine (AP) — Ukraine’s capital was subjected to the largest drone attack since the start of Russia’s war, local officials said, as Kyiv prepared to mark the anniversary of its founding on Sunday. At least one person was killed, but officials said scores of drones were shot down, demonstrating Ukraine’s air defense capability.

Russia launched the “most massive attack” on the city overnight Saturday with Iranian-made Shahed drones, said Serhii Popko, a senior Kyiv military official. The attack lasted more than five hours, with air defense reportedly shooting down more than 40 drones.

A 41-year-old man was killed and a 35-year-old woman was hospitalized when debris fell on a seven-story nonresidential building and started a fire, Kyiv Mayor Vitali Klitschko said.

Debris from a drone damaged the building of the Ukrainian Society of the Blind. On Sunday morning, organization member Volodymyr Golubenko came to pick up his things. He was helped by his son Mykola, who searched for his father’s belongings among the rubble and at the same time tried to describe to his father what his office looks like now.

“This wall on the right is destroyed and on left also,” said Mykola to his father.

Volodymyr Golubenko worked at this place for more than 40 years. He says it is a home for many blind people, because they come here to talk and support each other.

“If you don’t even have a job, it’s difficult to get a job now, because these events (war) have been going on since last year. At least people come here to chat,” said Volodymyr.

Like Golubenko, many people in his district heard the sound of Shahed drones for the first time. Among them was 36-year-old Yana, who has three boys. The family hid in a corridor all night.

“Something started to explode above us. The children ran here in fear,” said Yana.

Ukraine’s air force said that Saturday night was also record-breaking in terms of Shahed drone attacks across the country. Of the 54 drones launched, 52 were shot down by air defense systems.

Russia has repeatedly launched waves of drone attacks against Ukraine, but most are shot down. Ukraine has also claimed this month to have downed some of Russia’s hypersonic Kinzhal missiles, which Russian President Vladimir Putin has touted as providing a key competitive advantage.

In the northeastern Kharkiv province, regional Gov. Oleh Syniehubov said a 61-year-old woman and a 60-year-old man were killed in two separate shelling attacks.

Kyiv Day marks the anniversary of the city’s official founding. The day is usually celebrated with live concerts, street fairs, exhibitions and fireworks. Scaled-back festivities were planned for this year, the city’s 1,541st anniversary.

The timing of the drone attacks was likely not coincidental, Ukrainian officials said.

“The history of Ukraine is a long-standing irritant for the insecure Russians,” Ukraine’s chief presidential aide, Andriy Yermak, said on Telegram.

“Today, the enemy decided to ‘congratulate’ the people of Kyiv on Kyiv Day with the help of their deadly UAVs (unmanned aerial vehicles),” Popko also wrote on the messaging app.

Local officials in Russia’s southern Krasnodar region said that air defense systems destroyed several drones as they approached the Ilsky oil refinery.

Russia’s southern Belgorod region, bordering Ukraine, also came under attack from Ukrainian forces on Saturday, local officials said. Regional Gov. Vyacheslav Gladkov reported Sunday that a 15-year-old girl and a 17-year-old boy were wounded in the shelling.

Drone attacks against Russian border regions have been a regular occurrence since the start of the invasion in February 2022, with attacks increasing last month. Earlier this month, an oil refinery in Krasnodar was attacked by drones on two straight days.

Ukrainian air defenses, bolstered by sophisticated Western-supplied systems, have been adept at thwarting Russian air attacks — both drones and aircraft missiles.

Earlier in May, Ukraine prevented an intense Russian air attack on Kyiv, shooting down all missiles aimed at the capital. The bombardment, which additionally targeted locations across Ukraine, included six Russian Kinzhal aero-ballistic hypersonic missiles, repeatedly touted by Russian President Vladimir Putin as providing a key strategic competitive advantage and among the most advanced weapons in his country’s arsenal.

Sophisticated Western air defense systems, including American-made Patriot missiles, have helped spare Kyiv from the kind of destruction witnessed along the main front line in Ukraine’s east and south. While most of the ground fighting is stalemated along that front line, both sides are targeting other territory with long-range weapons.

Against the backdrop of Saturday night’s drone attacks, Russia’s ambassador to the U.K., Andrei Kelin, warned of an escalation in Ukraine. He told the BBC on Sunday his country had “enormous resources” and it was yet to “act very seriously,” cautioning that Western supplies of weapons to Ukraine risked escalating the war to a “new dimension.” The length of the conflict, he said, “depends on the efforts in escalation of war that is being undertaken by NATO countries, especially by the U.K.”

Kelin’s comments are typical of Russian officials’ rhetoric with regard to Moscow’s military might, but contradict regular reports from the battlefield of Russian troops being poorly equipped and trained.

Also on Sunday, the death toll from Friday’s missile attack on the central Ukrainian city of Dnipro, the regional capital of the Dnipropetrovsk province, rose to four. Regional. Gov. Serhii Lysak said that three people who were considered missing were confirmed dead. There were 32 people, including two children, wounded in the attack, which struck a building containing psychology and veterinary clinics.

Elise Morton reported from London.

State Farm will no longer accept applications for homeowners insurance in California, citing wildfire risk

ABC News

State Farm will no longer accept applications for homeowners insurance in California, citing wildfire risk

 Julia Jacobo – May 28, 2023

One of the largest insurance agencies in the country will no longer accept applications for home and business insurance in California due to wildfire risks and the cost of rebuilding.

State Farm has ceased new applications, including all business and personal lines property and casualty insurance, starting Saturday, the company announced in a press release.

PHOTO: The headquarters for State Farm Insurance is shown in Bloomington, Illinois. (Google Maps Street View)
PHOTO: The headquarters for State Farm Insurance is shown in Bloomington, Illinois. (Google Maps Street View)

Existing customers will not be affected, and the company will continue to offer auto insurance in the state, according to the release.

The insurance agency cited “historic increases in construction costs outpacing inflation, rapidly growing catastrophe exposure, and a challenging reinsurance market” for its decision.

MORE: Mosquito Fire in Northern California has destroyed dozens of homes

State Farm said while it takes its responsibility to manage risk “seriously” and will continue to work with state policymakers and the California Department of Insurance to help build market capacity in California, the decision was necessary to ensure the company remains in good financial standing.

“It’s necessary to take these actions now to improve the company’s financial strength,” the statement read. “We will continue to evaluate our approach based on changing market conditions. State Farm® independent contractor agents licensed and authorized in California will continue to serve existing customers for these products and new customers for products not impacted by this decision.”

PHOTO: In this Sept. 7, 2022, file photo, a property destroyed by Mosquito Fire is shown in the Michigan Bluff neighborhood of Foresthill, in Placer County, Calif. (Fred Greaves/Reuters, FILE)
PHOTO: In this Sept. 7, 2022, file photo, a property destroyed by Mosquito Fire is shown in the Michigan Bluff neighborhood of Foresthill, in Placer County, Calif. (Fred Greaves/Reuters, FILE)

A decadeslong megadrought and climate change have been exacerbating wildfire risk in California in recent years. Severe drought during the winter is leading to matchbox conditions in the dry season, allowing intense wildfires to ignite with the slightest spark.

The warm, dry climate that serves as fuel for wildfires is typical for much of the West, but hotter overall temperatures on Earth are increasing wildfire risk in the region.

MORE: Out-of-control wildfire destroys town of Greenville, California, as dry, gusty conditions encourage rapid spread

Last year, the Mosquito Fire destroyed dozens of homes in El Dorado and Placer counties. In 2021, the Dixie Fire destroyed more than 100 homes in the town of Greenville.

The Creek Fire in 2020 became the largest single fire in California history, damaging or destroying nearly 1,000 structures and burning through about 380,000 acres.

PHOTO: In this Sept. 24, 2021, file photo a burned residence is shown in Greenville, Calif. The Dixie fire has burned almost 1 million acres and remains at 94% containment after burning through 5 counties and more than 1,000 homes. (Josh Edelson/AFP via Getty Images, FILE)
PHOTO: In this Sept. 24, 2021, file photo a burned residence is shown in Greenville, Calif. The Dixie fire has burned almost 1 million acres and remains at 94% containment after burning through 5 counties and more than 1,000 homes. (Josh Edelson/AFP via Getty Images, FILE)

Rebuilding from wildfire destruction is expensive, expensive, experts have found.

The reconstruction costs from the 2022 Coastal Fire in Southern California were estimated to be $530 million, and only 20 homes were destroyed, according to a report by property solutions firm CoreLogic.

MORE: Creek Fire becomes largest single blaze in California history

In addition, the nationwide impact of California’s 2018 wildfire season — which included the Camp Fire, the most destructive in California history — totaled $148.5 billion in economic damage, according to a study by the University College London.

PHOTO: In this Sept. 8, 2020, file photo, a home is engulfed in flames during the 'Creek Fire' in the Tollhouse area of unincorporated Fresno County, Calif. (Josh Edelson/AFP via Getty Images, FILE)
PHOTO: In this Sept. 8, 2020, file photo, a home is engulfed in flames during the ‘Creek Fire’ in the Tollhouse area of unincorporated Fresno County, Calif. (Josh Edelson/AFP via Getty Images, FILE)

The state’s FAIR Plan provides basic fire insurance coverage for high-risk properties when traditional insurance companies will not, but that plan is the last resort, Janet Ruiz, director of strategic communication for the Insurance Information Institute, told ABC San Francisco station KGO.

“It’s a basic policy, only covers fire – you have to get a wraparound policy too to cover theft and liability,” she said.

Trump and Putin Are in Deep Trouble and Need Each Other More Than Ever

Daily Beast

Trump and Putin Are in Deep Trouble and Need Each Other More Than Ever

David Rothkopf – May 27, 2023

Photo Illustration by Luis G. Rendon/The Daily Beast/Reuters
Photo Illustration by Luis G. Rendon/The Daily Beast/Reuters

Times are tough for both Donald Trump and Vladimir Putin. Since they are two of the world’s most repulsive and dangerous people, that might be considered good news.

But, not so fast. Because there is one thing that can save Trump from the dark realities of legal accountability—and it happens to also be the only thing that is likely to turn the tide in Putin’s disastrous war in Ukraine. That is the reelection of Donald Trump.

Once again the interests of Trump and Putin are aligned, but this time the stakes for both are much higher than they were in 2016. That should worry us all. It should worry us a lot.

The GOP Is the Party of ‘Fuck You’

Worse still, there are others for whom the 2024 election is of existential importance. It includes Trump’s close allies—who may face jail unless Trump is reelected and can pardon them. It includes extremists and their allies—who also see a Trump victory as a get out of jail (or avoid jail) free card. It includes advocates of MAGA wingnut policy views, for whom four more years of Joe Biden appointing rational jurists could undo many of their initiatives subjugating women, criminalizing love and identity within the LGBTQ community, and impeding the ability of voters to participate in a democracy they would like to see weakened or done away with altogether.

There are still others for whom the stakes are high, if not quite existential. These include countries that have thrown in their lot with Trump. (The disgraced former president’s business ties to these are now reportedly an investigative target of special counsel Jack Smith.)

It also, of course, includes politicians in the U.S. who have declared their loyalty to His Roiled MAGAsty himself and whose political fates are likely to mirror his.

Taken together they will be an unholy alliance that poses a real threat to next year’s elections being fair, while also increasing the likelihood that the results of next year’s elections will be contested in ways that may make the Jan. 6 insurrection (and Trump’s nationwide false electors campaign) seem mild by comparison.

You can see the situations of both Trump and Putin’s fiasco in Ukraine getting more dire daily.

AG Merrick Garland Needs to Get Out of the Business of Defending Trump

His New York hush money trial now has a start date, March 25, 2024. Smith is reportedly putting the finishing touches on his conclusion regarding the former president’s alleged mishandling of classified documents. He’s also looking into Trump’s involvement in the Jan. 6 insurrection and has expanded the ambit of their inquiry to look at possible wrong-doing associated with Trump fund-raising. Fulton County District Attorney Fani Willis has signaled that any charges in the case she might bring regarding election interference by Trump and/or his allies are just around the corner, due in the first three weeks of August. More charges may come from other states on election fraud. And the verdict against Trump in the defamation case brought by E. Jean Carroll may be compounded as she expands her claims in a second, related case.

As for Putin, while he has declared “victory” in the battle for Bakhmut, it has come at an enormous cost to his military. It is unlikely that his forces will be able to hold the smoldering remnants of the devastated city for much longer. What is more, the U.S. and allies have agreed to provide Ukraine with advanced F-16 fighters and the training needed to fly them. Ukrainian “militia” have also launched attacks across Russia’s border.

Russia’s military is depleted. Putin has effectively committed his entire conventional force to Ukraine… where it is getting pummeled. A major Ukrainian offensive is expected to commence soon. Even one of his former buddies, Wagner Group head Yevgeny Prigozhin, has said that Putin could face a revolution at home and defeat in Ukraine if Putin doesn’t turn things around—which seems unlikely.

Prigozhin, of course, played a central role in helping Putin in his efforts to compromise U.S. elections in 2016. He even admitted it publicly. Whatever reasons Putin may have had for trying to help get Trump elected in 2016, they are clearly much greater today. And whatever reasons Trump may have had for running, they too are transcended by those he has right now.

Elon Musk, Joe Rogan, and the Apocalyptic ‘Centrists’

With so many trials and such serious crimes being discussed, the odds that Trump faces not only conviction but possible jail time, may make delaying the trials and verdicts until he can win the election his only defense. And it is clear he will try anything in that regard, from whining on social media that the New York case has been brought to interfere with his campaigning, to revealing himself to be MAGA’s true Karen-in-chief with a letter whining about his mistreatment and asking for an audience with U.S. Attorney General Merrick Garland so he could make his feelings known to “the manager.”

As for Putin, his last chance to turn his epic blunder in Ukraine into something he can claim is a success is also a Trump victory. Trump, during his CNN pep rally, made it clear he does not see Ukraine as a special ally of the U.S. and he won’t condemn Putin war crimes.

Putin critics have already demonstrated they view Trump as Putin’s “best hope.” (During the CNN event, Trump also refused to say he would accept 2024 election results.)

So here we are again, only more so. Trump needs Putin. Putin needs Trump. They have plenty of cronies and bad actors and fellow travelers who need them both. Which is why this is a moment to prepare for the shape their collaboration might take.

Unfortunately, dangerously, this is also the moment that Trump’s GOP is once again promoting the lie that Trump never colluded with Russia. This time, they are seizing upon the recent report by Special Counsel John Durham to say that it “proves” that the whole Trump-Russia affair was, as Trump so often asserted, “a hoax.”

Of course, it said nothing of the sort. In fact, it was a big nothing burger that offered a mild critique of the FBI… without actually even saying the FBI shouldn’t have investigated Trump and Russia.

And we know that every investigation conducted in the past—including those by the intelligence community, the U.S. Senate, and special counsel Robert Mueller—indicated that Russia actively intervened in 2016 to help Trump. In fact, the intelligence community also concluded Russia tried to help Trump in 2020.

Putin has proven he will stop at nothing to achieve his goals. Trump has done the same.

Kevin McCarthy’s Support for Ukraine Is Meaningless If He Lets the U.S. Default on Debt

Given the intersection of their interests in 2024, and the profound urgency with which both see a Trump election as essential, now is the time to mobilize to anticipate, identify, and stop both foreign and domestic interference in our upcoming election—and potential initiatives to undo the results of those elections.

That is why it is so essential not to shrug off the misinformation about the Durham report as just more spin. It is precisely the kind of effort to convince us to drop our guard that serves the interests of the enemies of our democracy. It is also why efforts to hold Trump accountable must proceed unimpeded by the elections that Trump sees as his best legal strategy.

Finally, it is why the administration needs to make it clear that it is preparing for whatever may come and that whenever threats are seen, they are stopped as early as possible.

No election in our history has been either more important or more imperiled. We have plenty of evidence to support that view. Now, we must act on that evidence with unwavering resolve.