• Homeowners are increasingly being dropped by their private home insurers.
• Regions with the highest nonrenewal rates are most prone to wildfires, hurricanes, and other disasters.
• A new Senate report warns of economic risks as climate change destabilizes insurance markets.

Homeowners across the country are increasingly facing a stark new reality: they're losing their home insurance.

The share of home insurance policies from large insurers that weren't renewed increased last year in 46 states, a report released Wednesday by the Senate Budget Committee found. The increasing frequency and intensity of disasters like wildfires, hurricanes, and flooding and the rising cost of rebuilding have pushed many insurers to drop customers or hike premiums. This has left thousands of homeowners scrambling to find new insurance policies or joining the growing ranks of those going without insurance.

More than 200 counties saw their non-renewal rates spike threefold between 2018 and 2023. Counties in Northern California and South Florida saw among the highest rates of nonrenewals. Coastal counties in Massachusetts, Mississippi, and North Carolina also saw dropped policies soar. Manhattan ranks 20th, with rates of dropped policies rising from 1.25% in 2018 to 4.11% in 2023.

The national scale of home insurance nonrenewals was previously unknown because insurance companies are regulated at the state level. The National Association of Insurance Commissioners said not all states collect granular data about the availability and affordability of coverage in some areas. The association in March announced an effort with state insurance regulators to try to fill the gap.

Senate Budget Committee Chairman Sheldon Whitehouse launched his own investigation into the homeowners' insurance market last year. He received nonrenewal data from 23 companies accounting for about two-thirds of the market. In testimony on Wednesday, Whitehouse said he demanded nonrenewal data because experts suggested policies being dropped were an early warning sign of market destabilization. He also said they correlated with higher premiums.

The American Property Casualty Insurance Association, a lobbying group representing insurance companies, said nonrenewal data doesn't provide "relevant information" on climate risks. Many factors, including a state's litigation and regulatory environment, factor into nonrenewal decisions, the association said.

The association added that more costly weather disasters, combined with inflation and overbuilding in climate-risk regions, are making insurance less affordable for many Americans.

Home insurance premiums are rising in many regions across the country. The National Bureau of Economic Research recently reported that average home insurance premiums spiked by 13%, adjusted for inflation, between 2020 and 2023.

Most mortgage lenders require homeowners to purchase insurance, and some require additional insurance for specific disasters, including flooding. Insurers refusing to offer coverage can hurt home values because homes that can't be insured in the private market are less desirable to potential buyers.

The Senate Budget report warned that the insurance crisis will get worse as the climate crisis fuels more frequent and destructive disasters, including hurricanes, wildfires, and flooding. A destabilized insurance market could "trigger cascading economy-wide financial upheaval," the report said.

"The failure to deal with climate change isn't just driving up the cost of homeowners' insurance, it's making it harder for families to even find homeowners' insurance, and that makes it harder to get a mortgage," Whitehouse said in a statement to Business Insider. "When the pool of buyers is limited to only those who can pay cash, it cuts off pathways to homeownership—particularly for first-time homebuyers—and risks cascading into a crash in property values that trashes the entire economy."

Have you been dropped by your home insurance company or are you facing a steep premium increase? Email these reporters to share your story: [email protected] and [email protected].

• Private home insurers are dropping a growing number of customers in most states, a Senate report found.
• That leaves homeowners at risk, turning to more expensive last-resort options or going uninsured.
• While Florida has managed to reverse the trend somewhat, the risk to homeowners is set to intensify.

As Americans flock to places in the US vulnerable to natural disasters, private home insurance companies are running the other way.

The problem has left a rising number of homeowners with just one option to cover property damage: insurers of last resort.

The scale of homeowners losing their plans became clearer on Wednesday after a Senate Budget Committee investigation found that private insurers' nonrenewals spiked threefold in more than 200 counties between 2018 and 2023.

"What our new data reveal is that the failure to deal with climate change is also affecting whether families can even get homeowners insurance, which threatens their ability to get a mortgage, which spells trouble for property values in climate-exposed communities across the country," Senate Budget Chairman Sheldon Whitehouse said in releasing the report.

A recent study by Harvard University's Joint Center for Housing Studies found that between 2018 and 2023, the number of properties enrolled in California and Florida's insurers of last resort more than doubled. A similar trend is playing out in Louisiana. While Florida has reduced participation this year, it still has the highest enrollment in the country.

The problem isn't isolated to the most predictable states. The Senate Budget Committee found that the rate of homeowners losing their private insurance also rose in Hawaii, North Carolina, and Massachusetts.

Policymakers and insurers are trying to stabilize the private market, by enacting new laws and overhauling regulations. However, with scientists predicting that climate-fueled disasters will become more frequent and severe for the foreseeable future, the risk to America's homeowners is mounting.

Growing insurance risk has some states looking for solutions

In nearly three dozen states, insurers of last resort, known as Fair Access to Insurance Requirements, or FAIR, are available to homeowners and businesses who struggle to find insurance on the private market.

The numbers are rising because private insurers are pulling back coverage and hiking premiums in areas at risk of wildfires, hurricanes, flooding, and other disasters often made worse by climate change.

While state-mandated FAIR plans are designed to be a backstop, insurance regulators and private insurance companies are alarmed by how many homeowners and businesses are enrolling, especially in California and Florida. The plans are often more expensive and provide less coverage. Plus, saddling one insurer with the riskiest policies increases the chances of one major disaster sinking the system and leaving taxpayers and insurance companies with the bill.

Florida and California are trying to reverse the trend, and Florida has seen some progress. The state's insurer of last resort, Citizens Property Insurance Corporation, said on December 4 that its policy count dropped below 1 million for the first time in two years.

Mark Friedlander, a spokesperson for the Insurance Information Institute, said the drop reflects a series of changes in recent years to stabilize the state's private insurance market after more than a dozen companies left the state or stopped writing new policies.

The Florida legislature passed laws to curb rampant litigation and claim fraud that drove up legal costs for private insurers. Friedlander said insurance lawsuits in the first three quarters of 2024 are down 56%, compared with the first three quarters of 2021 — the year before the new laws were enacted. Citizens also started a "depopulation" program that shifts customers to the private market. State regulators in October said they had approved at least nine new property companies to enter the market, and premiums weren't rising nearly as much as last year.

In California, many of the deadliest and most destructive wildfires have occurred within the last five years. As a result, some private insurers are hiking premiums and limiting coverage in risky areas, pushing more homeowners to the insurer of last resort. The Harvard study found that policies in the state's FAIR plan doubled between 2018 and 2023 to more than 300,000. As of September, the California Insurance Commission said policies totaled nearly 452,000.

The commission is working to overhaul regulations to slow the trend, including requiring private insurers to sell in risky areas. In exchange, it should be easier for companies to raise premiums that factor in reinsurance costs and the risks of future disasters. That should help stabilize rates, said Michael Sollen, a spokesman for the commission.

Sollen added that in the past, private insurers could seek approval for higher premiums but weren't required to offer coverage in wildfire-prone areas.

"In a year from now, what's happening with the FAIR plan will be a key measure for us," he said. "We expect to see those numbers start to stabilize and go down."

A mounting home insurance crisis

Still, a reduction in state-backed plans isn't necessarily a sign of progress, Steve Koller, a postdoctoral fellow in climate and housing and author of the Harvard report, told Business Insider.

A growing number of homeowners in places like Florida, Louisiana, and California are purchasing private insurance from nontraditional providers barely regulated by state governments. These so-called "non-admitted" insurers don't contribute to a state fund that guarantees homeowners will have their claims paid even if the insurance provider fails, leaving their customers without access to this backup coverage.

"Someone could be moving to a private insurer from Citizens, and that insurer might have higher insolvency risk," Koller said.

He added that more homeowners are opting out of insurance altogether. The number of US homeowners going without insurance has soared from 5% in 2019 to 12% in 2022, the Insurance Information Institute reported.

Plus, Americans are increasingly moving into parts of the country most vulnerable to extreme weather. Tens of thousands more people moved into the most flood—and fire-prone areas of the US last year rather than out of them, the real estate company Redfin reported earlier this year.

As insurers of last resort try to shift more risk to the private market, home insurance premiums are expected to keep rising. That's especially true in the areas hardest hit by climate-fueled disasters.

If private insurers exit hard-hit regions en masse in the future, Koller said states might need to become the predominant insurance provider in the same way the National Flood Insurance Program took over after the private market for flood insurance collapsed in the 1960s. Most flood insurance plans are still issued by the federal government.

"My guess is states are going to work very, very hard to avoid that and ensure the existence of a robust private market, but that's a parallel that I can't personally unthink about," he said.

Have you struggled to get home insurance, moved to an insurer of last resort, or gone uninsured? Contact these reporters at [email protected] or [email protected].

• After 10 years in elementary education, I decided I no longer wanted to be a teacher.
• I wanted a more flexible job that allowed me to stay at home with my kids.
• When time allows, I'm able to make more money than I did as a teacher and have a better work-life balance.

When I went into education, I did so with the best intentions. Being a male elementary school teacher was sort of like being a unicorn. It is extremely rare for a man to be teaching early elementary. There were plenty of single-mom families in the area where I lived, and I knew many students didn't have a male role model at home to inspire them, so I thought I could fill this void. I took the responsibility seriously.

But after ten years in the field, I had to tap out for a few reasons. None of the reasons really had to do with the students themselves. The pay wasn't great (after 10 years of teaching I was still taking home just around $3,000 a month) and I didn't enjoy the politics of teaching. But, the most important reason was probably that my wife and I were ready to start a family. She often works long hours and I didn't want someone else to raise my children. I thought I could find a way to contribute financially and still be home with the children.

Becoming a freelance writer

Before I went into education, I had been a journalist for a few years. It wasn't something I really enjoyed at the time and I didn't see myself wanting to cover mundane board meetings forever. If you ever suffer from insomnia, just drop in on these meetings occasionally. It's like an instant sleeping pill.

Still, I thought I was a decent writer. I've certainly read worse over the years from people who made their living as professional writers. So while I was still teaching, I joined Upwork, a website that connects freelancers with those looking to hire contract workers. Upwork allows people or companies to search for a specific type of writer they are looking for to complete their project at hand. You are competing against other writers who are also applying, but Upwork is a great tool to use when you are first attempting a freelance career.

To begin, I set my fees low to get my foot in the door. Then it wasn't long before I had clients who were asking me to write for them on either a weekly or monthly basis. As an unexpected bonus, most of the topics I covered genuinely interested me. Health and fitness, education, and even ghostwriting children's books were all things I enjoyed writing — and I was getting paid to do it.

Fast forward four months

As I was wrapping up my last weeks in the classroom before the school year ended, I realized I could go give my notice that I would not be coming back to teach the following August.

I had just made $6,000 in one month from freelancing — and that was while I was still teaching. I would definitely miss my students and all the friends I had made, but being able to set my own schedule, work from home, and raise my kids was something I could not pass up. My wife and I were having children later on in life, and the math showed me I would probably not get the chance to spend as much time with my kids as other fathers, so I switched careers.

My plan is mostly working well

I'll admit, I underestimated how much time I would have to write while taking care of two babies at home. I've really had to narrow down my client list over the last five years, picking the ones that are truly worthwhile. Now I only accept writing assignments I can get excited about.

Though I only have about 15 hours of free time at home a week where I can focus on writing, I have made the most of it. In fact, you can find my two children's books "Ellie and Jack: Third Grade Ghost Hunters," and "Ellie and Jack: Third Grade Vampire Hunters," on Amazon and other sites. I always wanted to write children's books, and after helping thousands of children become better readers over the years, I think I have a pretty good idea on the types of stories they love to read. Weaving my teaching past into my current career has been a joy.

With one child getting ready for kindergarten and the other just a couple of years away, it won't be long before I will have more time to write once again.

• Startups like Equatic and Climeworks develop ways to remove carbon dioxide from the atmosphere.
• Carbon removal helps businesses meet ESG goals and offset emissions through a carbon credits system.
• This article is part of "Transforming Business," a series on the must-know leaders and trends impacting industries.

Out on a barge in Los Angeles, a team of engineers is hard at work tweaking the designs of a collection of machines with multiple tubes attached to tanks filled with air and different minerals.

The team works for a startup called Equatic, which uses a process called sea electrolysis to remove carbon dioxide from the atmosphere. Seawater runs through an electrolyzer, which separates the water into an acid and a base. Rock minerals neutralize the acid, and the base mixes with CO2 from the atmosphere. This results in carbonates that can safely return to the ocean.

Carbon removal technologies, like those developed by Equatic, can transform businesses by helping them reduce their legacy carbon footprint. For many companies with environmental, social, and governance goals, investing in carbon removal through the purchase of carbon credits helps them offset their emissions and get closer to their goal of being "net zero." For rapidly developing industries like artificial intelligence that massively consume energy, implementing carbon removal could help offset emissions in the long term.

The idea of Equatic emerged in the research labs at the University of California, Los Angeles, with a team led by its cofounder Gaurav Sant, a sustainability professor at the school.

Sant said that his team began thinking about how to activate and expand the capacity of oceans, which already naturally absorb CO2 from the atmosphere. Processes such as sea electrolysis have been used for decades, though scaling ocean carbon removal technology has started only in the past few years. Sant said his experience as a cement chemist helped him consider ways to reduce carbon emissions.

"There was very little attention that was being paid truthfully to reducing the carbon intensity of cement production and concrete construction," Sant said. "The journey started with low-carbon cement and low-carbon concrete, and from there, it sort of went into a bunch of other things."

For startups that want to break into the industry and market their product's integrity, they must make carbon removal measurable. At the development plant in Los Angeles, Equatic engineers measure the machinery's ability to remove carbon and produce hydrogen. They then quantify carbon removal results. They also publish their findings in peer-reviewed scientific research papers.

Equatic is developing the world's largest ocean-based carbon removal plant in Singapore, a demonstration project in partnership with the country's National Water Agency. The plan for the new plant is to remove 4,000 tons of CO2 annually and create 300 kg of carbon-negative hydrogen a day, according to its website. If these projects succeed, Equatic intends to take its idea to a commercial scale.

For Climeworks, a Zurich carbon removal startup, scaling has taken place gradually over the past fifteen years. The company uses direct air capture technology at its plants to suck CO2 out of the air and then later mineralize it into a solid rock form and store it underground.

"What carbon removal can offer to businesses is making sure that CO2 in the atmosphere, or climate in general, is not a barrier to growth," Jan Wurzbacher, the CEO of Climeworks, said.

The carbon credits market has shortcomings

While these companies plan to scale commercially, startups like Equatic sell carbon credits to businesses and individuals who want to reduce their carbon footprint. Two of Equatic's customers are Boeing and Stripe. Climeworks counts Microsoft, Boston Consulting Group, and Shopify as clients.

The carbon credits market is highly unregulated, dotted with stories of credits sold but followed by incomplete actions and scams. An investigation by The Washington Post found that some carbon credit ventures reaped profits from protected public lands in the Brazilian Amazon forests and failed to share profits with locals. Essentially, these ventures gave the impression that they would reduce emissions but used lands they had no rights to, possibly invalidating the credits they said they would offset for companies such as Netflix, Salesforce, and Boeing.

"Some 'cheaper' carbon credits that you can buy are not easily verifiable," said Indroneil Ganguly, an environmental and forests sciences professor at the University of Washington.

Critics of carbon credits argue that this system allows businesses to continue polluting. Some businesses, such as Occidental Petroleum, invest in carbon removal and use the process to extract more fossil fuels. While telling businesses to cut emissions would be ideal, Wurzbacher said that cutting them entirely or converting to more sustainable practices could be costly and not immediate.

Carbon removal can be expensive

Even at the rapid scaling rate of these carbon removal startups, their emissions removal is only a small drop in the sea. In 2022 alone, the global aviation industry emitted 800 megatons of CO2. In comparison, Climework's first commercial plant in Iceland, called Orca, can remove 4,000 tons a year, the company says. Climeworks said its larger Mammoth plant would be able to remove 36,000 tons.

The biggest hurdle for carbon removal startups like Equatic and Climeworks is cost. A plus side of Equatic's sea electrolysis process is that it creates hydrogen, which can be used as a clean energy source and lower the technology's costs.

"So you push the price down, right, and that's what stimulates the market," Edward Sanders, the CEO of Equatic, said.

What's more, carbon removal is a voluntary purchase and an elastic good, meaning that it depends on the desire of individuals or businesses to participate, and the demand can shift significantly with price.

"The way in which we are going to get the necessary volumes is going to be at a price point they can accept and still manufacture the goods they are making and clear the services they do," Sanders said.

The cost to permanently remove 1 ton of CO2 right now is between $600-$1,000. Scaling up existing technology requires more laborers and building very specific machinery, Wurzbacher said. Both Climeworks and Equatic have received grants from the US Department of Energy, including a grant for Climeworks to subsidize its expansions in Louisiana and Texas.

This year, Climeworks expanded beyond permanent carbon removal and began offering a new solutions branch of its business. If the direct air capture method is too expensive for customers, Climeworks finds a portfolio of other options they can use, such as reforestation and biomass storage.

The incoming Trump administration raises questions about the future of carbon removal and whether companies will be motivated to cut emissions. 

Both Climeworks' and Equatic's respective CEOs said that while timelines and execution could change, these solutions still had bipartisan support and political momentum. Also, carbon removal itself is inherently adaptive.

"The nice thing about direct air capture," Wurzbacher said, "is that you can basically do it anywhere in the world and have your customers at a very different place."

Puffs of smoke rose above a meadow in northeastern Washington as a small test fire danced in the grass a few feet away from me. Pleased by its slow, controlled behavior, my crew members and I, as part of a training program led by the nonprofit organization The Nature Conservancy and the Washington State Department of Natural Resources, began to light the rest of the field on fire. The scene had all the trappings of a wildfire — water hoses, fire engines, people in flame-resistant outfits. But we weren't there to fight it; we were there to light it.

It might sound counterintuitive, but prescribed fires, or intentionally lit fires, help lessen fire's destruction. Natural flames sparked by lightning and intentional blazes lit by Indigenous peoples have historically helped clean up excess vegetation that now serves as fuel for the wildfires that regularly threaten people's homes and lives across the West and, increasingly, across the country.

For millennia, lighting fires was common practice in America. But in the mid-to-late 1800s, the US outlawed Indigenous burning practices and started suppressing wildfires, resulting in a massive buildup of flammable brush and trees. That combined with the dry, hot conditions caused by the climate crisis has left much of the country at a dangerously high risk of devastating wildfires. The top 10 most destructive years by acreage burned have all occurred since 2004.

In the late 1960s and early 1970s, federal land managers reevaluated their approach to fire and did the first prescribed burns in national parks. We're still making up for lost time: Scientists and land managers say millions more acres of prescribed burns are necessary to keep the country from burning out of control.

But the scale of the task doesn't match that of the labor force, whose focus is often extinguishing fires, not starting them. Responding to the increase in natural disasters has left America with few resources to actually keep them from happening. As Mark Charlton, a prescribed-fire specialist with The Nature Conservancy, told me, "We need more people, and we need more time."

This fall, I outfitted myself in fire-resistant clothing and boots, donned a hard hat, and joined a training program called TREX to better understand how prescribed burns work. TREX hosts collaborative burns to provide training opportunities in the field for people from different employers and backgrounds. The hope is that more people will earn the qualifications they need to lead and participate in burns for the agencies they work for back home.

The program's emphasis on learning, coupled with the support of the University of Idaho's Artists-in-Fire Residency (which helped pay my way), is why I, a journalist with no fire jobs on my résumé, could join a prescribed-fire module of about two dozen more experienced participants. I had to pass a fitness test — speed walking three miles with a 45-pound backpack in under 45 minutes — take 40 hours' worth of online coursework, and complete field-operations training to participate as a crew member. While hundreds of people have participated in TREX burns across the country since the program's inception in 2008, the dramatic growth of wildfires is outpacing the number of people being trained to reduce their impact.

The Forest Service manages 193 million acres of forests and grasslands across the country, burning an average of about 1.4 million acres, roughly the size of Delaware, each year with prescribed burns. It burned a record 2 million acres in fiscal 2023. But it's still not enough preparation, considering wildfires have burned over 10 million acres in recent years and people continue building and living in wildfire-prone areas. "It's a huge workload we have, and we know it," said Adam Mendonca, a deputy director of fire and aviation management for the Forest Service who oversees the agency's prescribed-fire program. The agency plans to chip away at the problem with the roughly 11,300 wildland firefighters it employs each year who squeeze the work in during the offseason, when there are fewer fires to fight.

But relying on wildland firefighters can be problematic. "We only have those resources for a short time," said Charlton, who served as the incident commander on the Washington burns I joined this fall. "After a long fire season, people are exhausted. It's hard to get people to commit." Plus, wildfires are increasingly overlapping with the ideal windows to do prescribed burns — often the spring and the fall, when conditions are cooler and wetter, making fires easier to tame.

That was especially true this year: Multiple large fires burned across the West into October. These late-season wildfires, coupled with two hurricanes that firefighters helped respond to, strained federal resources. That month, the nation's fire-preparedness level increased to a 5 — the highest level — indicating the country's emergency crews were at their maximum capacity and would've struggled to respond to new incidents.

In response to the elevated preparedness level, the National Multi-Agency Coordinating Group urged "extreme caution" in executing new prescribed fires, saying backup firefighters or equipment might not be available. "We get to the point where we're competing for resources," said Kyle Lapham, the certified-burner-program manager for the Washington State Department of Natural Resources and the burn boss on the Washington burns.

There's also a qualification shortage. Prescribed burns require a well-rounded group with a variety of expertise and positions — including a burn boss, who runs the show and must have years of training. Charlton estimated that hundreds more qualified burn bosses are necessary to tackle nationwide prescribed-burn goals.

Just as concerning is an interest shortage. The Forest Service has struggled to hire for and maintain its federal firefighting force in recent years, in large part because of poor pay (federal firefighter base pay was raised to $15 an hour in 2022) and other labor disputes over job classifications, pay raises, staffing, and more. The agency is also expecting budget cuts next year and has already said it won't be able to hire its usual seasonal workforce as a result.

Legislation inching its way through Congress could help, though its fate under a new administration is unclear. The National Prescribed Fire Act of 2024 would direct hundreds of millions of dollars to the Forest Service and the US Department of the Interior for prescribed burns, including investment in training a skilled workforce — but it hasn't progressed past a Senate subcommittee hearing in June.

Without a boost in funding, the agency will continue relying heavily on partnerships with nonprofits like The Nature Conservancy and the National Forest Foundation to staff prescribed burns. The Forest Service also recently expanded its Prescribed Fire Training Center to host educational opportunities out West. Critically, though, time is of the essence.

During my TREX training in October, about 20 foresters and firefighters from as far south as Texas and as far north as British Columbia worked beside me. Our group included employees of the Washington Department of Natural Resources and two citizens of the nearby Spokane Tribe of Indians, who have a robust prescribed-fire program of their own.

Over two weeks I got a front-row seat to how much planning (sometimes years) and time a single prescribed burn takes. We conducted several burns in the mountains north of Spokane on the property of a receptive landowner who'd hosted TREX in previous years. He provided the training ground and, in exchange, got work done on his property. This isn't a common scenario — burning on private land can be more complicated, and so more burns happen on state or federal property.

When I arrived, the burn's incident-management team had already put together a burn plan detailing our objectives — reducing wildfire risk to the landowner's house, thinning small tree saplings, knocking down invasive weeds, opening up more wildlife habitat — and the exact weather conditions, like wind speed, relative humidity, and temperature, we needed to safely burn. Prescribed burns on federal lands also go through an environmental review.

At the site, we scouted contained areas we would burn, called units, with trainees making additional plans for how to ignite and control fires. Keeping a fire in its intended location, called "holding," meant lots of prep work, like digging shallow trenches to box the fire in. During the burn, teams monitored smoke and occasionally sprayed the larger trees we wanted to preserve with water when flames threatened their canopies; others poured fuel on the ground, igniting bushes, grass, and smaller trees to slowly build the fire.

Managing the fire didn't end when we finished burning the 30 or so acres. In some cases, it can involve days of monitoring and cleanup. To make sure the fire was out, my crew and I combed through areas we'd burned the day before for smoke or heat. If we discovered something still smoking, we'd churn up the ground with a shovel or pickax, douse the hot spot with water, and repeat. Just when we thought we were done, we'd find another spot we'd missed.

I went to bed those nights dreaming of little puffs of smoke and woke up with small flakes of ash embedded behind my ears. The work was rewarding and exhausting — I left with a deeper appreciation for the workers who do it for a living.

While every prescribed burn is different, it's always a careful equation. Everything needs to line up: supportive communities, the right weather, and, of course, the workers necessary to plan, burn, and extinguish. Only then can you light the match.

Kylie Mohr is a Montana-based freelance journalist and correspondent for the magazine High Country News.

AstroPay has been around since 2009. The bootstrapped company currently has 320 employees and is profitable. And yet, it’s not a name that comes up often in startup news. The company originally started its life as a payment service provider focused on Latin America — an alternative payment method that you would find next to the […]

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In perhaps the least surprising news of the past six weeks, President-elect Donald Trump reportedly plans to roll back President Biden’s electric vehicle and emissions policies. Reuters reports that the incoming president’s transition team has recommended cutting off support for EVs and charging stations while boosting measures to block cars, components and battery materials from China.

The transition team’s other reported plans include new tariffs on all battery materials globally, boosting US production of battery materials and negotiations with allies for exemptions. They’re also said to plan on taking money allocated for building charging stations and making EVs more affordable and redirecting them to sourcing batteries and their required minerals from places other than China. In addition, they reportedly want to axe the Biden administration’s $7,500 tax credit for consumer EV purchases.

The plans would let automakers produce more gas-powered vehicles by reversing emissions and fuel economy standards, pushing them back to 2019 levels. Reuters says that would lead to around 25 percent more emissions per vehicle mile than the current limits. It would also lower the average car fuel economy by about 15 percent.

Climate scientists have stressed the importance of transitioning from gas-powered cars to EVs in reducing carbon emissions and fending off the most ravaging scenarios for the planet. Greenhouse gases, including those from vehicle emissions, build up in the atmosphere and warm the climate. That leads to a cascade of effects in the atmosphere, on land and in oceans — some of which we’re already seeing.

As for tariffs, economists have said Trump’s plans would likely spur multiple trade wars as countries retaliate with tariffs on American goods, disrupt supply chains and pierce the heart of America’s post-World War II alliances. “If we go down the tariff war path, we’re going down a very dark path for the economy,” Mark Zandi, the chief economist of Moody’s Analytics, told The New York Times in October.

The Biden administration has championed climate legislation like the Inflation Reduction Act, which allocated $369 billion for green initiatives, and EPA rules that require automakers to ramp up EV sales.

Meanwhile, Trump has called climate change a “hoax.” In May, he reportedly told a group of oil executives that he would immediately reverse dozens of Biden’s environmental rules while blocking new ones from being enacted. His asking price for such deregulation was that they raise $1 billion for his campaign. (Thanks, Citizens United!) So, while the reports about his transition team’s plans are still a gut punch to those who care about leaving the planet in a habitable state for future generations (and slowing the effects we’re already seeing), they aren’t exactly shocking to anyone paying attention.

• The Arctic is rapidly changing from the climate crisis, with no "new normal," scientists warn.
• Wildfires and permafrost thaw are making the tundra emit more carbon than it absorbs.
• From beaver invasions to giant holes, drastic changes in the Arctic are affecting the entire planet.

From Alaska to Siberia, the Arctic is changing so rapidly that there is no "normal" there now, scientists warn. The consequences reach across the globe.

The Arctic tundra now releases more carbon than it naturally draws down from the sky, as wildfires burn down its trees and permafrost thaw releases potent gases from its soil.

Once-brown regions are turning green with vegetation, while green areas are turning brown and barren. Sea ice and herds of caribou are disappearing.

This summer was the wettest on record for the Arctic overall, as rain is becoming more common than snow in some areas. Region by region, though, rainfall and the snow season are knocking down both high and low records.

Decades of data on "vital signs" suggest that "the Arctic exists now within a new regime, in which conditions year after year are substantially different than just a couple of decades ago," Twila Moon, a scientist at the National Snow and Ice Data Center, said in a briefing on Tuesday.

"Climate change is not bringing about a new normal," she added. "Instead, climate change is bringing ongoing and rapid change."

That's because the Arctic is warming about four times faster than the rest of the planet, according to previous research.

The increase in average temperatures is changing weather and landscapes in the Arctic, speeding up the climate crisis worldwide.

Giant holes, beaver invasions, and polar wildfires

For example, beavers are moving into Alaska's tundra and transforming its waterways with their dams, as warmer conditions have brought more wooded, comfortable riverbanks for them.

In Siberia, a giant hole in the ground is rapidly growing because the permafrost — a layer of soil that used to be permanently frozen — is thawing.

That's an extreme example, but melt and thaw is happening all over the planet's northernmost regions. Combined with drastic swings in weather year-to-year, these changes are wreaking havoc on Arctic landscapes, ecosystems, and people.

"These dramatic differences are making it difficult for communities to plan and they create safety issues for people who are used to more stable ice, snow, and temperature," Moon said.

She was presenting the Arctic Report Card, an update that the National Oceanic and Atmospheric Administration publishes each year, at the fall meeting of the American Geophysical Union.

This year's report revealed a crucial shift in northern landscapes: The Arctic tundra is no longer a net carbon sink, with its boreal forests pulling carbon dioxide from the sky. Now it's a net source of carbon emissions.

"This transition from a carbon sink to a source is of global concern," Brendan Rogers, a scientist studying the tundra at the Woodwell Climate Research Center, said in the briefing.

He added that the tundra's carbon emissions are relatively small for now, "but it's that transition that we're concerned about."

This shift is partly due to giant polar wildfires burning down tundra vegetation and all the carbon it's stored. It's also because of permafrost thaw, which releases large amounts of methane — a heat-trapping gas more potent than carbon dioxide — as bacteria in the soil digest thawing plant matter.

Meanwhile, rising Arctic temperatures are driving ice melt, including on the Greenland Ice Sheet, which is a major contributor to sea-level rise worldwide. Rising oceans are already increasing flooding in coastal cities across the planet.

For example, US coastal cities from Boston to San Diego have seen more and more flood days per year every decade since 1950, according to the Environmental Protection Agency.

Arctic science is more important than ever

Reporters asked the NOAA scientists about the incoming Trump administration and whether they were concerned about losing funding for their Arctic research.

"The need, the requirement, the demand signal if you will, is higher than ever before," Richard Spinrad, the NOAA Administrator, said in the briefing.

Changes in extreme weather and sea level across the globe show that "there's a need for these investments to increase right now," he said, adding that studies have shown "the return on those investments is extraordinary, in many cases 10 to 1 in terms of protection of lives and property."

FIRST ON FOX: A controversial judicial advocacy organization funded by left-wing nonprofits continues to work with judges and experts involved in climate change litigation despite publicly downplaying the extent of those connections.

"CJP doesn’t participate in litigation, support or coordinate with any parties in litigation, or advise judges on how they should rule in any case," the Environmental Law Institute Climate Judiciary Project President Jordan Diamond wrote in a recent letter to The Wall Street Journal in response to criticism of the project. 

The Washington, D.C.-based Environmental Law Institute (ELI) created the Climate Judiciary Project (CJP) in 2018, establishing a first-of-its-kind resource to provide "reliable, up-to-date information" about climate change litigation, according to the group. The project's reach has extended to various state and federal courts, including powerful appellate courts, and comes as various cities and states pursue high-profile litigation against the oil industry.

A Fox News Digital review shows that several CJP expert lawyers and judges have close ties to the curriculum and are deeply involved in climate litigation.

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Princeton University professor Michael Oppenheimer contributed to the CJP curriculum and presented "Evidence of Change: Judging Climate Litigation" with CJP’s Sandra Nichols Thiam at the 2022 Ninth Circuit Judicial Conference July 20, 2022. 

Oppenheimer has a long history of filing climate-related amicus briefs from 2019-2022 in litigation across several states.

Robin Kundis Craig, a professor at the University of Utah's Law School, wrote a module for CJP in 2022 and has also filed several amicus briefs showing she is active in court cases. 

One example occurred in 2023, when Craig is listed on an order granting legal scholars' request to file amicus, which was signed by Justice Mark Recktenwald, who, Fox News Digital previously reported, quietly disclosed last year that he presented for an April course in collaboration with the Environmental Law Institute Climate Judiciary Project. 

Recktenwald co-presented at a December 2022 National Judicial College webinar sponsored by CJP, "Hurricanes in a Changing Climate and Related Litigation." In 2023, he co-presented with Professor Robert DeConto at a National Judicial College seminar, "Rising Seas and Litigation: What Judges Need to Know about Warming-Driven Sea-Level Rise."

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In October 2023, Recktenwald’s Hawaii Supreme Court denied an appeal from oil companies to toss a Honolulu climate misinformation suit.

Craig also filed an amicus in Hawaii state court in July 2022, where an order was signed by Judge Jeffrey Crabtree allowing the brief to be filed. Crabtree is a member of the National Judicial College Curriculum Development Committee, which creates curricula for "Environmental Law Essential for the Judiciary."

"Don’t underestimate the importance of the role of state court judges in environmental law," the curriculum's website states.

Ann Carlson, who joined the Biden administration in 2021, served on ELI's board of directors for years while also "providing pro bono consulting" for Sher Edling, an eco law firm representing a number of jurisdictions, on litigation against oil companies, financial disclosures showed. Sher Edling counsel Michael Burger has also participated in multiple ELI events, and former Sher Edling lawyer Meredith Wilensky was previously an ELI Public Interest Law Fellow.

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Burger is the executive director of the Sabin Center for Climate Change Law and an ELI presenter who has filed amicus briefs in support of plaintiffs in climate cases across the United States. 

UCLA’s Emmett Institute on Climate Change and the Environment hosted a talk in October 2017 with Sher Edling’s Vic Sher, "Suing Over Climate Change Damages: The First Wave of Climate Lawsuits." Ann Carlson was the moderator for that discussion.

John Dernbach, listed as an expert on CJP’s website, filed an amicus brief in 2019 as part of a brief of legal scholars in support of plaintiffs in City of Oakland v BP. 

"Judges attending Climate Judiciary Project events are advised that they are walking into a left-wing lobbying shop," American Energy Institute President Jason Isaac told Fox News Digital. "Under the guise of ‘judicial education,’ CJP uses activist academics to give a pro-plaintiff sneak peek at climate change lawsuits. This kind of politicking underlines that the climate change lawsuits themselves are a left-wing attack on our quality of life.

"The Supreme Court will have an opportunity early next year to hear a case asking whether blue states and far-left mayors like Brandon Johnson can sue energy providers for climate change. Let us hope the court takes the case and ends Green New Deal lawfare."

Fox News Digital previously reported that since it was founded more than five years ago, the project has crafted 13 curriculum modules and hosted 42 events, and more than 1,700 judges have participated in its activities. And multiple judges serve as advisers at CJP, potentially having an impact on its curriculum and modules.

"So-called ‘climate change lawsuits,' lawsuits claiming that private companies should be monetarily liable for damage to public infrastructure allegedly caused by climate change, have exploded in the past five years," GOP Sen. Ted Cruz wrote in a letter to Environmental Law Institute earlier this year.

"In tandem with this unprecedented litigation, the Environmental Law Institute (ELI) launched a ‘first-of-its-kind effort’ to provide judges with ‘education on climate science, the impacts of climate change, and the ways climate science is arising in the law.’ It appears that ELI’s goal in providing this ‘education,’ however, may be to influence judges to side with plaintiffs in climate change cases."

The letter went on to label Carlson as "one of the program’s architects" and requested "information to allow the Committee to evaluate the efforts of both Ms. Carlson and ELI to influence the federal judiciary in its adjudication of climate litigation."

Cruz alleged that "ELI intends to accomplish via the courts what it cannot get enacted into law: a radical environmental agenda."

"To help judges reach those ‘appropriate’ decisions, the Project developed the ‘Climate Science and Law for Judges Curriculum’ (the Curriculum). While ELI claims the Project is ‘neutral' and ‘objective,’ the Curriculum reads like a playbook for judges to find in favor of plaintiffs in artificial climate change cases against traditional energy companies: it includes courses that ‘show how climate science is built on long-established scientific disciplines' and 'explore the human-caused component of [global] warming,’ such as the ‘causal connections between emissions’ and ‘changes in the climate.’"

An American Energy Institute report earlier this year alleges CJP "hides its partnership with the plaintiffs because they know these ties create judicial ethics problems."

AEI says Sandra Nichols Thiam, an ELI vice president and director of judicial education, acknowledged as much in a 2023 press statement, saying, "If we even appeared biased or if there was a whiff of bias, we wouldn’t be able to do what we’re doing."

"Taken together, it appears CJP made the thinnest possible disclosures to create the appearance of rectitude," AEI states. "But their admissions confirm that CJP exists to facilitate informal, ex parte contacts between judges and climate activists under the guise of judicial education. And secrecy remains essential to their operation, whose goal, as Thiam has said, is to develop ‘a body of law that supports climate action.'" 

AEI, a group self-described as "dedicated to promoting policies that ensure America’s energy security and economic prosperity," says CJP’s work is "an attack on the rule of law."

"In America, the powerful aren’t allowed to coax and manipulate judges before their cases are heard," the report states.

In a statement to Fox News Digital, an ELI spokesperson said, "CJP doesn’t participate in litigation, support or coordinate with any parties in litigation, or advise judges on how they should rule in any case. Our courses provide judges with access to evidence-based information about climate science and trends in the law.

"Of course, experts in the field are welcome to provide their expertise to CJP programs while separately and independently providing that same expertise in another setting that is unrelated to the CJP program. It is routine and encouraged for judges to participate in continuing education that exposes them to expertise in a wide variety of disciplines."

Fox News Digital’s Thomas Catenacci contributed to this report

• AI is opening new career tracks for software developers who want to shift to different roles.
• Developers at an AI roundtable said that the tech job market is fluctuating rapidly with gen AI.
• This article is part of "CXO AI Playbook" — straight talk from business leaders on how they're testing and using AI.

A few years ago, Kesha Williams was prepared to step away from her tech career — but then the AI boom brought her back.

"I've been in tech for 30 years, and before gen AI, I was ready to retire," she said. "I think I'll stay around just to see where this goes." Williams is the head of enterprise architecture and engineering at Slalom.

Williams and six other developers from companies including Amazon, Meta, Anaconda, and more joined Business Insider's virtual roundtable in November to discuss how AI is changing the software development landscape.

While hiring and recruitment in many tech jobs are dropping with the increased adoption of AI coding tools, developers say AI is also opening new career opportunities.

A new career path

Panelists said that the emergence of jobs focused on building AI models and features is a recent development in the industry.

"One of the biggest things I've noticed in the last two to three years is the rise of a job title called 'AI engineer,' which did not exist before, and it's kind of in between a machine-learning engineer and a traditional software engineer," Shruti Kapoor, a lead member of technical staff at Slack, said. "I'm starting to see more and more companies where 'AI engineer' is one of the top-paying jobs available for software engineers."

Salary trends from Levels.fyi, an online platform that allows tech workers to compare their compensation packages, found that in the past two years, entry-level AI engineers can earn 8% more than their non-AI engineer counterparts, and senior engineers can earn nearly 11% more.

Neeraj Verma, the head of applied AI at Nice, said at the roundtable that AI has enabled software engineers at his company to transition internally to AI roles. He said that over 20% of the developers at Nice have moved to AI-related positions in the past two years, with about 100 of those individuals considered experts in prompt engineering.

Verma said the company's developers are not just being supported by AI; they are actively involved in using the technology to build other AI features.

He added that many senior-level developers with strong coding abilities at the company have shown interest in moving to AI to apply their skill sets in new ways. Nice created training programs to help these employees learn the technology and make internal career shifts.

AI-specialized jobs encompass machine-learning engineers, prompt engineers, and AI researchers, among other roles. Although the skills that would be useful for each of these jobs can differ, Kapoor said that an AI engineering role does not necessarily require a specific tech background. Workers with prior experience in sectors like accounting and product management, for instance, have been able to pivot into the AI space.

Adapting to change

Just as AI is changing the software development process, developers say that the professional opportunities in AI could also be in constant flux.

"Software development will change in five years much more rapidly than anything we've seen before," Igor Ostrovsky, the cofounder of Augment, said at the roundtable. "How you architect, develop, test, and maintain software — that will all change, and how exactly you interact with AI will also evolve."

Researchers are already questioning the long-term potential of prompt engineering jobs, which skyrocketed in demand in 2023. They say that generative AI models could soon be trained to optimize their own prompts.

"I think prompt engineering is more of a sign that some developers have the desire to learn and are eager to figure out how to interact with artificial intelligence, but it won't necessarily be how you interact with AI in three years or five years," Ostrovsky said.

The pace of technological development means that software developers' ability to learn, adapt, and solve problems creatively will be more important than ever to stay ahead of the curve.

• Stephen Wu transitioned from tech to finance, starting a hedge fund with $10 million.
• Wu's experience at Amazon and Microsoft taught him efficiency and managing technical debt.
• He said trading is more fun and more money than tech.

This as-told-to essay is based on a conversation with Stephen Wu, a 29-year-old hedge fund manager from New York. It's been edited for length and clarity.

If you ask Alexa to play Taylor Swift, my team built the system that recommends similar songs to listen to afterward.

I studied computer science and philosophy at Carnegie Mellon during college and always thought I would work in engineering. I applied to work at Amazon during my senior fall semester in college and started at Amazon Alexa right after graduating. I was hired as a software engineer in Seattle, creating and building the music recommendation system and overseeing a team of three engineers.

It was a good mix of my passion for music and engineering, but eventually, I left Amazon for Microsoft and then left tech to start a hedge fund with about 80 investors.

I raised almost $10 million from friends, family, high-net-worth individuals, influencers, and others in the hedge fund space that first year. I still love engineering, but hedge funds make money, so they're much more fun.

Amazon taught me how to prioritize and be efficient

Working at Amazon, I learned that its ethos differs from other tech companies.

Google and Meta are more engineering-focused. Microsoft aims to build the best tool for the customer, even if it takes extra time. Amazon, on the other hand, seeks to make things fast.

Instead of building it right the first time, Amazon allowed me to create the minimum viable product usable to meet the deadline. While working there, I learned a lot about prioritization and efficiency.

Still, after about three years, I wanted to explore new roles. A Microsoft recruiter reached out to me via LinkedIn. I took the call and was intrigued by their offer of an engineering-heavy business role. I would work directly with engineers to build and plan the machine translation system used by Microsoft Azure.

I liked the opportunity to combine my strengths in engineering and business for this role, so I accepted it in 2020.

I learned a lot in tech and used it to launch my hedge fund career

I loved working at Microsoft and worked there for about three years. In my free time, I dabbled in hedge funds, which are any fund using a non-traditional investment style.

One crucial learning takeaway that helped me in my future endeavors was technical debt — if you build something too quickly and take shortcuts, you may spend twice the time just fixing the bugs.

I can tell if a product wasn't built right or if it might incur additional unforeseen costs that other hedge fund managers may not know about. Also, because I built statistical models and AI algorithms recommending songs to users at Amazon Alexa Music, I understand the statistical behavior of price movements. This allows me to take a more data-driven, probabilistic approach to trading, while most fund managers focus on financials.

After 6 years, I left Big Tech for the finance industry

I specifically invest in options trading after volatile events. I always loved it, but I never thought I could do it full-time.

Along the way, I discovered a very lucrative strategy for trading in a specific niche in the options market. I did this for fun with my portfolio through 2020 and 2022. It was during the pandemic in 2022 that I realized that NASDAQ was down 33%. That year, I proved my strategy in a bear market and felt confident enough to pursue this as a serious career.

For years, my friends and family asked to invest with me, and I was finally comfortable trading with their money. I left Microsoft in April 2023 to work on the hedge fund full-time. I worked extremely hard during my first year of fundraising and trading simultaneously and was very stressed.

Fundraising was difficult initially, but I allowed investors to try with a small amount first and see the returns for themselves. The minimum amount to invest is $100,000.

I love trading and plan to do it forever

Since our trades are weekly, I allowed them to withdraw any week if the performance was poor. This was highly unusual and risky for hedge funds because they could withdraw any week, and my fund would die. However, I was confident I could perform. After several months of good performance, many of my investors doubled or tripled their investments.

And now, more folks continue to invest through word-of-mouth.

I aim to grow this to a $100 to $200 million fund in the next few years. It's just me, so it's a lot of work, although I have part-time analysts helping. Once reaching $100 million, I can hire more analysts and expand the strategy.

I love trading. It's fascinating because it's like solving a puzzle every single day. As an engineer, I was making a solid six figures a year. It depends on how much profit I generate this year, but if my fund is $15 million and I achieve the 30% yearly profit target, I'll make $1.2 million.

I enjoyed solving complex engineering challenges, but trading offers a more dynamic, fast-paced environment and I plan to do this for the rest of my life.

If you left Big Tech for another industry and would like to tell your story, please email Manseen Logan at [email protected].

2023 was always going to be a hot year, given that warmer El Niño conditions were superimposed on the long-term trend of climate change driven by our greenhouse gas emissions. But it's not clear anybody was expecting the striking string of hot months that allowed the year to easily eclipse any previous year on record. As the warmth has continued at record levels even after the El Niño faded, it's an event that seems to demand an explanation.

On Thursday, a group of German scientists—Helge Goessling, Thomas Rackow, and Thomas Jung—released a paper that attempts to provide one. They present data that suggests the Earth is absorbing more incoming sunlight than it has in the past, largely due to reduced cloud cover.

Balancing the numbers on radiation

Years with strong El Niño conditions tend to break records. But the 2023 El Niño was relatively mild. The effects of the phenomenon are also directly felt in the tropical Pacific, yet ocean temperatures set records in the Atlantic and contributed to a massive retreat in ice near Antarctica. So, there are clearly limits to what can be attributed to El Niño. Other influences that have been considered include the injection of water vapor into the stratosphere by the Hunga Tonga eruption, and a reduction in sulfur emissions due to new rules governing international shipping. 2023 also corresponds to a peak in the most recent solar cycle.

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In late September, seagrass ecologist Alyssa Novak pulled on her neoprene wetsuit, pressed her snorkel mask against her face, and jumped off an oyster farming boat into the shallow waters of Pleasant Bay, an estuary in the Cape Cod National Seashore in Massachusetts. Through her mask she gazed toward the sandy seabed, about 3 feet below the surface at low tide, where she was about to plant an experimental underwater garden of eelgrass.

Naturally occurring meadows of eelgrass—the most common type of seagrass found along the East Coast of the United States—are vanishing. Like seagrasses around the world, they have been plagued for decades by dredging, disease, and nutrient pollution from wastewater and agricultural runoff. The nutrient overloads have fueled algal blooms and clouded coastal waters with sediments, blocking out sunlight the marine plants need to make food through photosynthesis and suffocating them.

The United Nations Environment Program reports more than 20 of the world’s 72 seagrass species are on the decline. As a result, an estimated 7 percent of these habitats are lost each year.

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• Climate change poses a threat to US national parks like Yellowstone.
• Warmer temperatures and extreme weather impact both ecosystems and visitors.
• Advocates hope witnessing changes to the parks will inspire visitors to help protect them.

Each year, over 300 million visitors explore the hundreds of parks that make up the US National Park system. These spaces offer unparalleled views of mountains and forests, immersing people in the sights and sounds of nature that are often missing from their everyday lives.

But the national parks are in trouble. "Most of our parks have multiple assaults on them," Chad Lord, senior director of environmental policy and climate change with the National Parks Conservation Association advocacy group, told Business Insider.

From hotter, drier weather to invasive species to more powerful storms, many of the country's parks are experiencing dramatic changes. For example, warming temperatures are making glaciers disappear from Glacier National Park.

From Alaska to Florida, here are six examples of how the climate crisis is changing national parks.

Glacier National Park is a geological marvel.

Montana's Glacier National Park sprawls over 1,500 miles, encompassing mountains, valleys, and glacial lakes. Even if you've never visited, you might recognize the park's Going-to-the-Sun Road, which was featured in the 1980 movie "The Shining."

Throughout the park, grizzly bears graze on huckleberries. Little rodent-like pikas, lynx, and Harlequin ducks are also adapted to the area's chilly weather.

Glacier National Park's glaciers are melting.

The park once held 80 glaciers. In 2015, NPS estimated only 26 were left. Satellites have captured the remaining few as they continue to shrink.

Warming temperatures are driving the glaciers' disappearance, which will impact the plants and animals that live there.

For example, mountain goats rely on snow patches to stay cool during the summer. In the winter, the snow helps keep tiny mouse-like rodents, called pikas, insulated from the bitter cold.

Denali National Park has breathtaking views.

Together the Denali National Park and Preserve are larger than New Hampshire, stretching nearly 9,500 square miles of Alaskan terrain. Winter days there are short and cold, with temperatures as low as -40 degrees Fahrenheit.

The park originally began as a way to protect Dall sheep. Today, an estimated 2,000 big-horned sheep brave the chilly climate. Red foxes, snowshoe hares, and dozens of bird species are also around, in addition to grizzlies, wolves, and moose. Even a small wood frog, the park's only amphibian, can survive the subarctic environment.

Part of Denali's road has been impassable for years.

In the 1960s, the Pretty Rocks landslide began cracking the road leading to the park. In 2014, the landslide was moving a few inches every year. By 2021, it was moving a few inches per hour. The road is now closed at about its halfway point, cutting off vehicle access to sites like Wonder Lake.

While the annual average temperature of the park was once well below freezing, it's now close to 32 °F, according to NPS. The warmer weather and melting permafrost is making the landslide move more quickly. The road is cut into a rock glacier, "and little bits of climate warming are causing this big kind of slump, and the road is falling off the cliff," said Cassidy Jones, a senior visitation program manager with NPCA.

The trees are tall and mighty at Sequoia & Kings Canyon National Parks.

At Sequoia & Kings Canyon National Parks, visitors can enjoy over 1,300 square miles of trails, trees, foothills, and lakes. Groves of sequoia trees dominate some parts of the landscape, including the famous General Sherman tree towering almost 275 feet high. With its 100-foot circumference, it's one of the largest trees by volume in the world.

Closer to the ground, vivid flora like Evalyn's jewel flower grow and kingsnakes slither. Gophers, skunks, and squirrels scamper about, along with larger mammals like black bears, mule deer, and mountain lions. The parks span a range of habitats, making it a bird-watcher's paradise.

A 2021 fire ravaged swaths of the Sequoia National Park.

In 2021, lightning struck several areas, igniting what became the KNP Complex Fire. A year earlier, the Castle Fire also ravaged Sequoia National Park. Fires over those two years killed between 8,400 to 12,000 sequoias. Some of the trees were thousands of years old.

Forest fires aren't uncommon, but the sequoias were already vulnerable after a lengthy drought. A combination of low humidity and high temperatures can be a dangerous combination when fires erupt. "Fires have gotten bigger and hotter," Jones said.

Sequoias have long been able to withstand fires, she said. "It tells you something different is going on in terms of just the way the fire is behaving, in the amplification of fire weather," she said.

Yellowstone is the US's first national park.

Covering 3,500 miles, most of it in Wyoming, Yellowstone became the US's first national park in 1872. It's home to Old Faithful, as well as many more geysers and hot springs.

Visitors sometimes have to halt their vehicles for bison crossing the road, and moose, bobcats, badgers, bats, and the many other species that live in the park.

However, warmer temperatures are speeding up snowmelt, changing vegetation, and leading to less water in some areas — all of which will likely force some wildlife to relocate. Every year, pronghorn antelope migrate through the park, a journey that's already risky as they cross over roads and fences. A lack of water and food could alter their path.

Yellowstone experienced extensive damage during a flood in 2022.

A mix of rain and snowmelt caused severe flooding in June 2022. The rushing water damaged roads, structures, and trails. NPS called it an unprecedented, 500-year flood. While the disaster was rare, warmer temperatures are increasing snowmelt and rain is falling instead of snow. Floods could become more common as the climate continues to change.

Death Valley has breathtaking views, day and night.

Along the California-Nevada border, Death Valley draws visitors keen to see the salt flats, sand dunes, and craters. It's 3.4 million acres of wilderness, making it one of the largest national parks in the country. At night, its remote location and aridity make it ideal for stargazing.

The scorching desert climate might not seem hospitable to many kinds of life. Yet jackrabbits, bats, tortoises, and roadrunners have all thrived in the park.

Death Valley is getting hotter by the year.

Extreme heat is nothing new for Death Valley. But in recent years, temperatures regularly soar past 125 degrees Fahrenheit in July. Plus, triple-digits can extend into October, and the nights don't get as cool.

The sizzling weather can be dangerous for visitors and residents, and plants and animals have difficulty coping, too. Some animals may start migrating to cooler climates, but some species may not survive. For example, the extremely rare Devils Home pupfish population, found only in Death Valley, has been in decline since the 1990s.

The Everglades host a wealth of biodiversity.

Located in Southern Florida, the Everglades National Park is a patchwork of unique ecosystems, from mangroves to pinelands. With 1.5 million acres of land, it has space for estuaries, giant cypress trees, and marshy rivers.

With so many habitats, a huge range of species create the delicate web of life that is the Everglades. Dozens of species of lizards and snakes scuttle and slither, while ducks, doves, and nighthawks mingle not far from flamingos. River otters and manatees also swim through different parts of the park.

Sea-level rise threatens the Everglades' Cape Sable.

Elevated temperatures, more-intense hurricanes, and rising sea levels are among the challenges the Everglades face. When salty seawater seeps into the park's coastal landscape, it can harm rare tropical orchids and other vegetation that can't cope with increased salinity.

Cape Sable lies at Florida's southwestern tip. Sea levels have risen at an accelerated pace over the last 100 years, according to NPS. Hurricanes and tropical storms have washed seawater into what was once freshwater marshes and lakes. The incursion threatens not only mangrove forests but wildlife like the Cape Sable seaside sparrow, which is only found in this unique habitat.

Former Secretary of State John Kerry claimed that there is a "climate emergency," and suggested that Africans without electricity must select "the right kinds of electricity," likely referring to green energy production, and that the U.S. must help them to afford it.

Kerry made the comments at a speaking event at the Harvard Kennedy School Institute of Politics on Thursday.

The Democrat suggested there will be a need to "declare a climate emergency, which is what we really have. And we need to get people to behave as if this really is a major transitional challenge to the whole planet."

He noted that the U.S. has the biggest economy on earth, with China in second place.

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"Adios comunista," Rep. Chip Roy, R-Texas, wrote on X when replying to a post featuring a clip of Kerry's comments.

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Kerry, a former senator and the 2004 Democratic presidential nominee who lost to incumbent Republican President George W. Bush, went on to serve as secretary of state during a portion of President Obama's White House tenure.

He has also previously served as special presidential envoy for climate under President Biden. 

BIDEN CLIMATE CZAR JOHN KERRY SNAPS WHEN CONFRONTED ABOUT CARBON FOOTPRINT

Biden awarded Kerry the Presidential Medal of Freedom earlier this year.