Here's an excerpt from a recent post by Scott Galloway talking about LA's devastating wildfires:

The question isn’t whether to rebuild, but where. Pacific Palisades is a wonderful place to live, but those amazing views of beautiful topography of foothills, mountains, canyons, and ridgelines are located in fire zones. Early estimates put the total cost of the wildfires at $250 to $275 billion. The property insurance bill is expected to easily top $20 billion. California’s insurance market was already in crisis, as leading insurers had done the math and decided to leave the state or not renew policies in fire-prone areas. California’s state-backed FAIR Plan is the insurer of last resort in these areas. Statewide, the number of FAIR Plan policies in 2024 increased 40% from 2023, and 85% in Pacific Palisades. Continuing to underwrite wood-built craftsman homes in Altadena (median home value: $1.3 million) and mansions along PCH is a wealth transfer from California’s taxpayers to some of its wealthiest people.

This isn’t unique to California; 10 states across the political spectrum, including Florida and Texas, sued a federal flood insurance program after it adjusted premiums to better reflect climate realities. As one meme put it: You may not believe in climate change, but your insurance company does.

He's not wrong, though I'm sure that the impacts of the deadliest and most destructive wildfires in California's history were felt by a broad cross section of people. And, no matter how much money you have, losing your home is going to be traumatizing. My mom's house in New Brunswick burnt down when she was a young girl and she remembers it vividly. You lose things that are priceless. Still, the questions of where and how to rebuild are important ones. Living in a high-risk area has costs associated with it. I do think it's only fair to ask who will be underwriting these costs.

A friend recently asked me, "so, are you bullish on Miami yet, or are you still worried about the water?" And my response was that I love Miami, but that I do think about the risk of climate change.

Then today, another friend sent me this study by scientists at the University of Miami showing that 35 buildings along the Miami Beach to Sunny Isles Beach coastline experienced some degree of subsidence between 2016 to 2023. In other words, they sunk into the ground a little.

Here's how they measured this:

The study published December 13, 2024, in the open-access journal Earth and Space Science, of the American Geophysical Union, employed a satellite-based technique known as Interferometric Synthetic Aperture Radar (InSAR). By combining 222 SAR images from the European Sentinel-1 satellites, the research team created a surface displacement time series. The technique utilizes "persistent radar scatterers" as reference points for measurement. These scatterers include fixed elements on a structure such as building balconies, rooftop air conditioning units, and boardwalks, which reflect the radar signal back to the satellite antenna. Satellites flying at 700 kilometers above Earth can measure millimeter-scale displacements.

Now, some degree of subsidence is normal. But apparently, not this much:

“The discovery of the extent of subsidence hotspots along the South Florida coastline was unexpected,” said Farzaneh Aziz Zanjani, the study’s lead author, a former post-doctoral researcher and alumna of the Rosenstiel School. “The study underscores the need for ongoing monitoring and a deeper understanding of the long-term implications for these structures.”

So yeah, I'm still worried about the water. It's something I would need to get a lot smarter on in order to feel comfortable.

The obvious response to sea level rise and storm surges is to try and keep the water out by building things like walls. But there are other options. At the southern tip of Staten Island, New York, for example, a new near-shore breakwater system was just completed this past October.

Designed by landscape architect Kate Orff of SCAPE, the project cost $111 million, runs about 2,400 linear feet, and is designed to "break" future storm surge waves as they approach the coast. This won't completely eliminate the risks, but it will help to reduce them.

At the same time, by slowing currents next to the shoreline, these barriers are expected to reduce shoreline erosion (and eventually reverse it) and improve the overall habitat for plants and animals along it. The breakwaters themselves are also intended to attract organisms, hence the term "living."

It's a novel approach when it comes to flood infrastructure in the US. But it's certainly not a new idea:

Breakwaters is an ancient idea for how to protect shorelines – and the people who live close to them – by building underwater seawalls to defend a harbor or a beach from the force of waves. Kate has designed an extraordinary, modern-day interpretation, the Living Breakwaters, which will not only protect humans and revitalize the coastline of New York City, but also restore lost marine biodiversity. This is a visionary project that tackles the full task of adaptation, and which has the capacity to inspire and to positively impact vulnerable shorelines worldwide.

It'll now be interesting to see how this performs during storms. But in the meantime, you can find more information about the project on SCAPE's website.

Photo from SCAPE and Ty Cole