The Insurance Industry’s Brutal Climate Math

Cameron Parish, Louisiana, used to be a nice collection of little coastal towns where the shrimping was good and the stars at night were better, James Hiatt told me. Hiatt lives just up the river, in Lake Charles, but he comes down to Cameron to be near the Gulf. He remembers when there were 1,500 people, a grocery store, and a Family Dollar in Cameron, the parish seat. But that was before the storms started smashing through every year or two, and back when more commercial-insurance companies still covered homes here.

Eddie Lejuine, a trout fisherman living one town away, in

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