Understanding the Barriers to Affordable Homeowners Insurance, with Margaret Walls and Penny Liao

In this episode, host Kristin Hayes talks with Dan Baer, a senior vice president at the Washington, DC–based think tank Carnegie Endowment for International Peace. His role offers a vantage point for unique insights on how artificial intelligence (AI) may affect the think tank world and its research contributions. Baer elaborates on some “emergent intuitions” that he articulates in a recent article published by Carnegie, in which he reckons with an AI world that’s newly emerging but nonetheless demands deep consideration of old philosophical foundations. Baer describes how AI may change the approach that research institutions take—and may need to take—moving forward.

In this episode, Daniel Raimi talks with Susanna Berkouwer about their research on reducing the economic and environmental costs of energy access through a simple piece of technology: charcoal-burning cookstoves. Access to electricity is limited in low-income countries, which means that access to clean cooking in those countries is limited, too. Some areas of the world have shifted to using liquefied petroleum gas for their cooking, but Sub-Saharan Africa is trending toward higher use of biomass-burning cookstoves, which produce emissions that can harm human health and lead to local or regional deforestation. An assistant professor in the Wharton School at the University of Pennsylvania, Berkouwer and their colleagues applied a randomized experimental design with 1,000 households in Sub-Saharan Africa, aiming to see whether alternatives to charcoal-intensive cookstoves can reduce both the cost of energy and the negative environmental impacts. The conclusions are strong and striking: Corroborating results show that improvements in cookstove efficiency come with more efficient biomass use and cost savings, and the fiscal cost of subsidizing cookstoves is hundreds of times more efficient than other means of decarbonization. Berkouwer’s randomized study quantifies these gains in cost-efficiency, reductions in environmental pollution, and potential policy redundancies, opening up space for new climate solutions.

In this episode, host Margaret Walls speaks to Dave Keiser and Joseph Shapiro about safe drinking water in the United States. Keiser is a professor at the Yale School of the Environment, and Shapiro is an associate professor at the University of California, Berkeley. Together with other coauthors, they put out a research paper on clean drinking water: how US residents have access to it, what types of policies help preserve it, and the degree to which it benefits people’s health. Their paper incorporates more than 250 million readings on 1,250 different water pollutants across 48 states over several decades, links those data to maps of public water systems across the country, and connects all this information to health outcomes via Medicare data. The Safe Drinking Water Act of 1974 authorizes the US Environmental Protection Agency to set limits on contaminants in water supplied by public water systems, and the act provides financial loans to local municipalities for constructing and upgrading water-treatment plants; this law led to major improvements in providing clean drinking water to US residents. Some of the questions Keiser and Shapiro address in this episode: What exactly are the benefits of access to clean water—and do those benefits justify the costs? What level of government is most effective for managing drinking water? Find out more by listening to the episode.

In this episode, host Kristin Hayes talks with Jesse Gourevitch, a new Resources for the Future fellow, about how flood-risk information affects US housing markets. Discussing an upcoming report, Gourevitch outlines changes in property sale prices and buyer characteristics following revisions to federal flood maps and updates to state requirements for disclosing flood risk to homebuyers. He and his coauthor have found that property sale prices are lower when properties are mapped into a designated flood zone or become subject to disclosure requirements. For lower-income homeowners, the declines in property value are larger than high-income homeowners relative to annual income. Following these changes to flood maps, homebuyers in flood-prone areas tend to have higher incomes and are less likely to be Black or Hispanic. Gourevitch discusses what these findings could mean for disparities in flood exposure across different socioeconomic groups.

In this episode, host Daniel Raimi talks with Andrea Furnaro and Patrick Heller from the Natural Resource Governance Institute. Drawing from a recent report, Furnaro and Heller lay out a five-step framework for how national oil companies (NOCs) can navigate an impending energy transition. Together, they contend that a business-as-usual approach is not a neutral option for these companies and their respective countries. Instead, NOCs must define national policy goals, assess transition risks and opportunities, establish a strategic direction beyond oil and gas, strengthen institutional governance, and ensure a just transition and responsible exit for workers and communities. Examples from Saudi Arabia, Indonesia, and Denmark illustrate how different NOCs can weigh diversification opportunities and adapt strategies to their unique national circumstances and organizational, technical, and economic capacities.