As the southeast United States deals with its second deadly hurricane in almost as many weeks, the scale of the destruction is only beginning to be understood. How will communities recover—and who will foot the bill for rebuilding? In this week’s Climate Justice newsletter, we unpack the problem of insurance. First, many families are already experiencing the direct cost of climate change through their homeowner’s insurance, even in locations believed to be “safe” from climate disaster. Next, facing bankruptcy due to risk of severe weather events, insurers are passing the costs on, with some companies moving away from being insurers of last resort. Then, what happens if your place of business is your home, and it’s lost or damaged in a storm or disaster? New climate guides are helping small-business owners and artists navigate insurance and assistance. Finally, subscribe to Nonprofit Quarterly Magazine to receive our fall 2024 issue: “Supporting the Youth Climate Justice Movement.”