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NASA JPL team hopes to give greenhouse gas-monitoring satellite 'unprecedented' vision

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NASA JPL team hopes to give greenhouse gas-monitoring satellite 'unprecedented' vision

It was almost 10 years ago when Andrew Thorpe received a text from the crew flying overhead in a small aircraft: They had spotted a new methane hot spot.

Thorpe drove along winding dirt and mountain roads in an unwieldy rental SUV near the Four Corners region of the southwestern U.S. When he arrived at the spot relayed from the plane, he pulled out a thermal camera to scan for the plume. Sure enough, methane was seeping out of the ground, likely from a pipeline leak.

He found a marker sticking out of the desert with the phone number for a gas company, so he gave them a call. “I had the most confused individual on the other side of the phone,” Thorpe said. “I was trying to explain to them why I was calling, but this was back many years ago when there really weren’t any technologies that could do this.”

Over the years, the work has gotten Thorpe some unwanted attention. “I did some driving surveys in California .… A rent-a-cop was very suspicious of me and tried to scare me off,” said Thorpe. “If you set up a thermal camera on a public road and you’re pointing it at a tank beyond the fence, people are going to get nervous. I’ve been heckled by some oil and gas workers, but that’s par for the course.”

Today, Thorpe is part of a group that is at the forefront of greenhouse gas monitoring at NASA’s Jet Propulsion Laboratory in La Cañada Flintridge. For over 40 years, the Microdevices Laboratory at JPL has developed specialized instruments to measure methane and carbon dioxide with extreme precision.

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The instruments, called spectrometers, detect gases based on which colors of sunlight they absorb. Earlier this year, a team of researchers from JPL, Caltech and research nonprofit Carnegie Science was selected as a finalist for a NASA award to put the technology into orbit.

JPL technicians work on an Airborne Visible/Infrared Imaging Spectrometer, or AVIRIS, that will be installed in an airplane to search for methane and other greenhouse gases.

(Myung J. Chun/Los Angeles Times)

If chosen for the satellite mission, the team’s carbon investigation, called Carbon-I, would launch in the early 2030s. Over the course of three years, Carbon-I would continuously map greenhouse gas emissions around the globe and take daily snapshots of areas of interest, allowing scientists to identify sources of climate pollution, such as power plants, pipeline leaks, farms and landfills.

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While there are already multiple satellites monitoring these gases, Carbon-I’s resolution is unprecedented and would eliminate any guesswork in determining where the gas was emitted. “There’s no denying it anymore — once we see a plume, there’s no other potential source,” said Christian Frankenberg, co-principal investigator for Carbon-I and a professor of environmental science and engineering at Caltech.

Caltech professor Christian Frankenberg peers into the AVIRIS-5.

Caltech professor Christian Frankenberg, co-principal investigator for the proposed space-based Carbon-I emission-monitoring system, peers into an AVIRIS monitor under construction in a JPL lab.

(Myung J. Chun/Los Angeles Times)

Carbon-I’s finest, 100-foot resolution “is a very high resolution from space. That’s an incredible resolution to be able to get,” said Debra Wunch, a professor at the University of Toronto who studies Earth’s carbon cycle and is not involved in the Carbon-I proposal. “It would be able to give us much more insight into exactly the source of emissions .… This would be groundbreaking. You would be able to see individual stacks, individual parts of landfills, even.”

Historically, monitoring the release of greenhouse gases from individual emitters has been challenging — both carbon dioxide and methane are colorless and odorless. So scientists have often had to rely on adding up self-reported values from companies and estimates from research. For example, to estimate the amount of methane cows produce, scientists would have to determine how much methane one cow releases and multiply it by the total number of cows on Earth.

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“If you look at international policies … currently they’re all based on these bottom-up inventories,” said Anna Michalak, co-principal investigator for Carbon-I and the founding director of the Carnegie Climate and Resilience Hub at Carnegie Science. “We need to get to a point where … we actually have an independent way of tracking what the emissions are.”

Carbon-I’s resolution will also give scientists new access to the atmosphere of the tropics, where clouds currently obscure most forms of satellite surveillance. “It’s their Achilles’ heel,” said Frankenberg.

Since tropical and subtropical forests absorb roughly a quarter of the CO2 humanity produces by burning fossil fuels, accurate data from this region of the globe is badly needed.

Satellites currently orbiting Earth with lower resolution can’t see through small gaps in the cloud coverage. They only see a blurred average of the cloudy and clear spots in the sky for each pixel. Carbon-I, with each pixel’s area almost 50 times smaller than that of most other satellites, can see the clearings and take measurements through them. In an April 2024 paper, Frankenberg, Michalak and their collaborators estimated that Carbon-I would be able to see past the clouds in the tropics anywhere from 10 to 100 times more frequently than its predecessors.

Carbon-I “is going to see things where people don’t know what’s going on,” said Thorpe, who has moved on from his graduate school days pointing thermal cameras at gas leaks and now works as a research technologist with the Microdevices Laboratory. “It’s going to open a whole new realm of science.”

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JPL’s airborne greenhouse gas-monitoring program goes back decades, but the field of space monitoring is still fairly new. Near the start of 2016, NASA headquarters contacted the JPL team. There was an ongoing massive blowout at the Aliso Canyon gas storage facility near Porter Ranch, and NASA wanted the team to check it out.

The team flew over the site in a variant of a 1960s-era spy plane on three days over the course of a month while the Southern California Gas Co. fought to contain the blowout. At the same time, NASA’s Goddard Flight Center in Maryland pointed the NASA Earth Observing spacecraft’s Hyperion spectrometer at the leak.

Hyperion was designed to make observations of the Earth’s surface and filter out noise from the atmosphere. Now, they were trying to observe the atmosphere and filter out the surface, and for the first time, scientists observed a human-made point source of methane from orbit.

“The Hyperion result was pretty noisy, but you could still see the plume,” said Thorpe. “This was really a proof of concept that we could do it from space.”

Even if Carbon-I launches, it doesn’t mean the team will stop putting instruments on planes. From aircraft, the team is able to monitor areas of interest in even sharper resolution and for consecutive days at a time. Right now, a leaner, meaner version of the spectrometers that observed the Four Corners leak and Aliso Canyon blowout is flying a series of missions to monitor the emissions of offshore oil rigs in the Gulf of Mexico.

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A twin-propeller King Air airplane in a hangar.

The twin-engine King Air plane used by JPL to conduct greenhouse gas-monitoring flights in its hangar at Hollywood Burbank Airport.

(Noah Haggerty/Los Angeles Times)

Plane missions also give the team an opportunity to try out new and improve spectrometers. “You can fix them, and you can upgrade them,” said JPL engineer Michael Eastwood, who’s worked with the spectrometers for over three decades and regularly flies with them. “You can take more risks, as opposed to spacecraft that need really mature, really well-known, high reliability — we’re not constrained like that.”

The air team is nimble, too. Typically, two crew members sit in the second row of a King Air twin-propeller aircraft looking at a stack of laptops and instruments with enough buttons to rival the plane’s cockpit. On the screens, they can look at real-time GPS data and spectrometer results and coordinate a flight plan with the pilots. The spectrometer — called AVIRIS, short for Airborne Visible/Infrared Imaging Spectrometer — sits in the third row, looking down through a window cut out in the floor.

The NASA program for which Carbon-I was selected as a finalist aims to fund space-based Earth science that will benefit society. The team was awarded $5 million to sharpen its project proposal before a final NASA review in 2025. There are three other finalists, and two will be selected for the launch.

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This two-step process for selecting missions is new for NASA’s Earth science programs and requires JPL to compete with the rest of the scientific community, independent of their association with the space agency.

“If we’re talking about grocery money, [$5 million] seems like a lot of money, but it’s really a bargain,” said Michalak. “If you think about the fact that you’re committing $300 million toward a mission, spending 1.5% of that to really make sure it’s going to be fabulous and successful is extremely smart.”

In the meantime, the Carbon-I team is focused on showing NASA that it has the technical know-how to execute the project on time and under budget.

“I think all four of the missions in the current phase are absolutely worthwhile scientific missions,” said Michalak, “and 50% odds are not bad odds for a satellite mission.”

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Newsom’s fight with Trump and RFK Jr. on public health

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Newsom’s fight with Trump and RFK Jr. on public health

California Gov. Gavin Newsom has positioned himself as a national public health leader by staking out science-backed policies in contrast with the Trump administration.

After Health and Human Services Secretary Robert F. Kennedy Jr. fired Centers for Disease Control and Prevention Director Susan Monarez for refusing what her lawyers called “the dangerous politicization of science,” Newsom hired her to help modernize California’s public health system. He also gave a job to Debra Houry, the agency’s former chief science and medical officer, who had resigned in protest hours after Monarez’s firing.

Newsom also teamed up with fellow Democratic governors Tina Kotek of Oregon, Bob Ferguson of Washington and Josh Green of Hawaii to form the West Coast Health Alliance, a regional public health agency, whose guidance the governors said would “uphold scientific integrity in public health as Trump destroys” the CDC’s credibility. Newsom argued establishing the independent alliance was vital as Kennedy leads the Trump administration’s rollback of national vaccine recommendations.

More recently, California became the first state to join a global outbreak response network coordinated by the World Health Organization, followed by Illinois and New York. Colorado and Wisconsin signaled they plan to join. They did so after President Trump officially withdrew the United States from the agency on the grounds that it had “strayed from its core mission and has acted contrary to the U.S. interests in protecting the U.S. public on multiple occasions.” Newsom said joining the WHO-led consortium would enable California to respond faster to communicable disease outbreaks and other public health threats.

Although other Democratic governors and public health leaders have openly criticized the federal government, few have been as outspoken as Newsom, who is considering a run for president in 2028 and is in his second and final term as governor. Members of the scientific community have praised his effort to build a public health bulwark against the Trump administration’s slashing of funding and scaling back of vaccine recommendations.

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What Newsom is doing “is a great idea,” said Paul Offit, an outspoken critic of Kennedy and a vaccine expert who formerly served on the Food and Drug Administration’s vaccine advisory committee but was removed under Trump in 2025.

“Public health has been turned on its head,” Offit said. “We have an anti-vaccine activist and science denialist as the head of U.S. Health and Human Services. It’s dangerous.”

The White House did not respond to questions about Newsom’s stance and Health and Human Services declined requests to interview Kennedy. Instead, federal health officials criticized Democrats broadly, arguing that blue states are participating in fraud and mismanagement of federal funds in public health programs.

Health and Human Services spokesperson Emily Hilliard said the administration is going after “Democrat-run states that pushed unscientific lockdowns, toddler mask mandates, and draconian vaccine passports during the COVID era.” She said those moves have “completely eroded the American people’s trust in public health agencies.”

Public health guided by science

Since Trump returned to office, Newsom has criticized the president and his administration for engineering policies that he sees as an affront to public health and safety, labeling federal leaders as “extremists” trying to “weaponize the CDC and spread misinformation.” He has excoriated federal officials for erroneously linking vaccines to autism, warning that the administration is endangering the lives of infants and young children in scaling back childhood vaccine recommendations. And he argued that the White House is unleashing “chaos” on America’s public health system in backing out of the WHO.

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The governor declined an interview request, but Newsom spokesperson Marissa Saldivar said it’s a priority of the governor “to protect public health and provide communities with guidance rooted in science and evidence, not politics and conspiracies.”

The Trump administration’s moves have triggered financial uncertainty that local officials said has reduced morale within public health departments and left states unprepared for disease outbreaks and prevention efforts. The White House last year proposed cutting Health and Human Services spending by $33 billion, including $3.6 billion from the CDC. Congress largely rejected those cuts last month, although funding for programs focusing on social drivers of health, such as access to food, housing and education, were axed.

The Trump administration announced that it would claw back more than $600 million in public health funds from California, Colorado, Illinois and Minnesota, arguing that the Democratic-led states were funding “woke” initiatives that didn’t reflect White House priorities. Within days, the states sued and a judge temporarily blocked the cut.

“They keep suddenly canceling grants and then it gets overturned in court,” said Kat DeBurgh, executive director of the Health Officers Assn. of California. “A lot of the damage is already done because counties already stopped doing the work.”

Federal funding has accounted for more than half of state and local health department budgets nationwide, with money going toward fighting HIV and other sexually transmitted infections, preventing chronic diseases, and boosting public health preparedness and communicable disease response, according to a 2025 analysis by KFF, a health information nonprofit that includes KFF Health News.

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Federal funds account for $2.4 billion of California’s $5.3-billion public health budget, making it difficult for Newsom and state lawmakers to backfill potential cuts. That money helps fund state operations and is vital for local health departments.

Funding cuts hurt all

Los Angeles County public health director Barbara Ferrer said if the federal government is allowed to cut that $600 million, the county of nearly 10 million residents would lose an estimated $84 million over the next two years, in addition to other grants for prevention of HIV and other sexually transmitted infections. Ferrer said the county depends on nearly $1 billion in federal funding annually to track and prevent communicable diseases and combat chronic health conditions, including diabetes and high blood pressure. Already, the county has announced the closure of seven public health clinics that provided vaccinations and disease testing, largely because of funding losses tied to federal grant cuts.

“It’s an ill-informed strategy,” Ferrer said. “Public health doesn’t care whether your political affiliation is Republican or Democrat. It doesn’t care about your immigration status or sexual orientation. Public health has to be available for everyone.”

A single case of measles requires public health workers to track down 200 potential contacts, Ferrer said.

The U.S. eliminated measles in 2000 but is close to losing that status as a result of vaccine skepticism and misinformation spread by vaccine critics. The U.S. had 2,281 confirmed cases last year, the most since 1991, with 93% in people who were unvaccinated or whose vaccination status was unknown. This year, the highly contagious disease has been reported at schools, airports and Disneyland.

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Public health officials hope the West Coast Health Alliance can help counteract Trump by building trust through evidence-based public health guidance.

“What we’re seeing from the federal government is partisan politics at its worst and retaliation for policy differences, and it puts at extraordinary risk the health and well-being of the American people,” said Georges Benjamin, executive director of the American Public Health Assn., a coalition of public health professionals.

Robust vaccine schedule

Erica Pan, California’s top public health officer and director of the state Department of Public Health, said the West Coast Health Alliance is defending science by recommending a more robust vaccine schedule than the federal government. California is part of a coalition suing the Trump administration over its decision to rescind recommendations for seven childhood vaccines, including for hepatitis A, hepatitis B, influenza and COVID-19.

Pan expressed deep concern about the state of public health, particularly the uptick in measles. “We’re sliding backwards,” Pan said of immunizations.

Sarah Kemble, Hawaii’s state epidemiologist, said Hawaii joined the alliance after hearing from pro-vaccine residents who wanted assurance that they would have access to vaccines.

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“We were getting a lot of questions and anxiety from people who did understand science-based recommendations but were wondering, ‘Am I still going to be able to go get my shot?’” Kemble said.

Other states led mostly by Democrats have also formed alliances, with Pennsylvania, New York, New Jersey, Massachusetts and several other East Coast states banding together to create the Northeast Public Health Collaborative.

Hilliard, of Health and Human Services, said that even as Democratic governors establish vaccine advisory coalitions, the federal Advisory Committee on Immunization Practices “remains the scientific body guiding immunization recommendations in this country, and HHS will ensure policy is based on rigorous evidence and gold standard science, not the failed politics of the pandemic.”

Influencing red states

Newsom, for his part, has approved a recurring annual infusion of nearly $300 million to support the state Department of Public Health, as well as the 61 local public health agencies across California, and last year signed a bill authorizing the state to issue its own immunization guidance. It requires health insurers in California to provide patient coverage for vaccinations the state recommends even if the federal government doesn’t.

Jeffrey Singer, a doctor and senior fellow at the libertarian Cato Institute, said decentralization can be beneficial. That’s because local media campaigns that reflect different political ideologies and community priorities may have a better chance of influencing the public.

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A KFF analysis found some red states are joining blue states in decoupling their vaccine recommendations from the federal government’s. Singer said some doctors in his home state of Arizona are looking to more liberal California for vaccine recommendations.

“Science is never settled, and there are a lot of areas of this country where there are differences of opinion,” Singer said. “This can help us challenge our assumptions and learn.”

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling and journalism.

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How Rising Home Insurance Costs Are Linked to Credit Scores

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How Rising Home Insurance Costs Are Linked to Credit Scores

Two friends bought nearly identical homes last year, in the same northern Minnesota neighborhood, for the same price.

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But Tara Novak pays more than twice as much for home insurance as Petra Rodriguez. The only difference? Ms. Novak has a lower credit score.

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Across the country, people with weaker credit histories are paying far more for home insurance than owners with spotless records.

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Where the home insurance rate gap between “fair” and “excellent” credit is higher

Home insurance premiums have risen rapidly in recent years, fueled by climate change, building costs and inflation. The price shock has rippled into the real estate market, dragging down home prices in areas vulnerable to disasters and leading insurers to abandon homeowners in risky places.

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But these dynamics obscure another problem: The home insurance market has cleaved in two along a boundary defined more by a customer’s personal history than by the risk of a disaster hitting their home.

Americans with weaker credit histories, usually from missed payments or high amounts of debt, now pay significantly more for insurance, regardless of where they live, two new studies have found. While those with poor credit histories often can’t purchase homes at all, people with “fair” scores, which range from around 580 to 669, are paying twice as much in some places as people with “excellent” scores of about 800 or higher. And the gap is growing.

Insurers use a metric based on credit history known as an insurance score to set rates, and the figure tracks closely with a customer’s credit score.

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States with the biggest pricing gaps

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The penalty for having a “fair” credit history versus an “excellent” one

Note: Figures show rates from state filings for the same policy. Actual individual premiums will vary. Credit tiers are based on insurance-scoring models similar to FICO scores. Source: Quadrant Information Services

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That can mean owners of identical homes, like Ms. Novak and Ms. Rodriguez, pay wildly different rates to insure them. For most people, it’s now just as expensive to have a credit score of “fair” as it is to live in an area likely to experience a disaster like a hurricane or wildfire. About 29 percent of consumers have credit scores that are categorized as “fair” or “poor.”

“There’s so many reasons people have bad credit,” Ms. Novak said. “It’s not like I’ve ever not paid a bill on time. I’m a stickler on my bills, I’m a stickler on my rent, never been late. This is not fair.”

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“The choice to use credit scores in pricing means that those lower-credit home owners in risky areas are effectively subsidizing more affluent high-credit homeowners who also live in risky areas,” said Nick Graetz, assistant professor of sociology at the University for Minnesota, who wrote one of the recent papers. “So in a lot of ways, you can keep your insurance price down if you’re high income, high credit — even if you live on the coast of Florida.”

A handful of states have banned insurers from using credit data because of concerns about fairness and the potential for discrimination against low-income people and people of color, but the majority allow it.

For those with both weaker credit and high disaster risk, the combination can set them up for a downward spiral: disasters tend to be followed by decreases in credit scores as people use credit cards and bank loans to recover. That can lead to higher insurance rates, pushing monthly housing costs further out of reach.

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Industrial fans drying out the home of Tara Novak after a water pipe burst and flooded the interior. Tim Gruber for The New York Times

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“When a disaster hits, there’s a loss of income that occurs, and then that can impact someone’s credit score because they can’t pay their debt, they can’t pay their rent, they can’t pay their mortgage,” said Lance Triggs, executive vice president at Operation HOPE, a financial literacy nonprofit. “And now they’re faced with higher insurance premiums post-disaster.”

A working paper released today by the National Bureau of Economic Research found that homeowners with the lowest credit scores paid, on average, $550 more in 2024 for home insurance than those with the highest scores.

The findings broadly track with data from Quadrant Information Services analyzed by The New York Times, which found that, on average, lower credit scores meant higher premiums across every state that allowed the practice. Dr. Graetz used the same data set for his research, which he did in collaboration with the Consumer Federation of America and the Climate and Community Institute.

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Audrey Thayer Tim Gruber for The New York Times

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Thayer’s home in Bemidji, Minn. Tim Gruber for The New York Times

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When a windstorm last year hit the home of Audrey Thayer, a city council member in Bemidji, Minn., it ripped the siding off her house and stripped shingles from her roof.

Ms. Thayer’s insurance did not cover all the damage. As she fought her insurer for more money, she opened new credit cards and bank loans to repair her home. Her credit score dropped as she tried to find a new insurance plan.

Ms. Thayer, a member of the White Earth Nation, said she was not aware that her credit score could affect her home insurance rates, even though she teaches about credit ratings at a nearby tribal college. “Most of the folks here do not have good credit,” said Ms. Thayer, whose community is one of the poorest in the state. “I did not know what a credit score was until I was 35 or so.”

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In Texas, the advocacy group Texas Appleseed found that some insurers charge people with poor credit up to 12 times as much as people with excellent credit for certain policies, said Ann Baddour, the director of the nonprofit’s Fair Financial Services Project.

Higher costs have serious implications for low-income homeowners who live in the path of hurricanes, said Nadia Erosa, the operations manager at Come Dream Come Build, a nonprofit community housing development organization. After the Brownsville, Texas, region saw intense flooding last spring, some residents turned to companies offering high-interest loans to fund repairs, she said, raising the risk of the disaster-credit spiral.

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“Delinquencies are going up because people cannot afford their payment,” she said.

A billboard advertising home insurance in Galveston, Texas, in 2017. Alyssa Schukar for The New York Times

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The price of risk

Before they can get a mortgage, homebuyers are usually required by lenders to purchase home insurance.

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“Households with insurance have fewer financial burdens, fewer unmet needs, they recover faster, they’re more likely to rebuild,” said Carolyn Kousky, an economist and founder of Insurance for Good, a nonprofit that focuses on finding new approaches to risk management. “Yet the people who need insurance the most are the least able to afford it.”

Insurance companies consider a variety of factors when setting the premium for a property. They might examine the age of the roof, or the area’s vulnerability to hurricanes or wildfires. They factor in how much it would cost to rebuild the house if it were damaged.

Insurers have argued that credit history is also worth considering because people with low scores tend to file more claims than those with excellent scores, an assertion that is backed up by the working paper published in the National Bureau of Economic Research today. This likely happens because people with weaker credit histories tend to have less income, and when their home is damaged, they file insurance claims for smaller fixes that a wealthier homeowner might pay for out of pocket.

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Paul Tetrault, senior director at the American Property Casualty Insurance Association, a trade organization, said credit scores are a valid way to price premiums.

But others argue that using credit information to price insurance doesn’t make sense.

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Because a homeowner pays for insurance upfront, “it’s not like you’re really extending a loan to the customer where you would be worried about the risk of repayment,” Ms. Kousky said. She points out that insurance companies can opt not to renew a homeowner’s policy if they believe it is too risky — a tactic they have been using with increasing frequency.

The NBER analysis found that homeowners who want to pay less for insurance should pay off debt to raise their credit score rather than replace roofs and make other improvements to avoid damage when disaster strikes.

Others believe that even if credit scores are accurate predictors of future claims, they shouldn’t be used to set premiums because that can perpetuate or worsen disparities. For example, people in their mid-20s who are Black, low-income, or grow up in impoverished regions have significantly lower credit scores than their peers, a July working paper from Opportunity Insights, a not-for-profit organization at Harvard University, found.

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“When the government and the financial system mandate that we buy a product, there’s a special obligation to make sure the pricing is fair,” said Doug Heller, director of insurance at the Consumer Federation. “To me that is an absolutely solid reason, just like we don’t allow pricing based on race or income or ethnicity or religion.”

A natural experiment

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A handful of states, including California and Massachusetts, have banned or limited the use of credit scores in setting home insurance premiums, despite opposition from the insurance industry.

In Nevada, where a temporary pandemic-related rule prevented insurers from using credit history to increase premiums for existing customers from 2020 to 2024, companies refunded approximately $27 million to nearly 200,000 policyholders, said Drew Pearson, a spokesman for the Nevada Division of Insurance.

Perhaps the clearest example of the effects of these bans comes from Washington State, which banned the use of credit information in setting home insurance premiums starting in June 2021. The rule immediately faced legal challenges, and was in effect for just a few months until it was overturned in court.

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But the episode allowed researchers to evaluate the effect of credit factors on insurance premiums. When the rule took effect, people with the lowest credit scores saw a decrease in premiums of about $175 annually while those with the highest scores saw an increase of about $100, the NBER analysis found.

“We could see the dynamics of insurance pricing for the same households over time,” said Benjamin Keys, a professor at the University of Pennsylvania’s Wharton School, who co-authored the paper.

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In Minnesota, where Tara Novak, Petra Rodriguez and Audrey Thayer live, a state task force looked at ways to lower insurance costs for residents. It recently considered a ban or limit on the use of credit scores to set rates, but did not move forward with a recommendation.

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Ms. Rodriguez said she doesn’t think it’s fair that her friend Ms. Novak should have to pay so much more for insurance to live in an identical house.

A credit score doesn’t capture anything about a person’s habits, or what they’re like as a tenant, or even years of on-time rent payments, she said. “It’s not who you are,” she said.

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Methodology

Home insurance policy rates were supplied by Quadrant Information Services, an insurance data solutions company. The rates shown are representative of publicly sourced filings and should not be interpreted as bindable quotes. Actual individual premiums may vary.

‘States with the biggest pricing gaps’Rates shown are based on a home insurance policy with $400,000 of dwelling coverage and a $100,000 liability limit on a new home, for a homeowner age 50 or younger. Rates are averaged for all the individual company filings represented in the sample, which add up to a majority of the market share in each state but do not cover all active insurers in the state. Rates are also averaged to the state level from zip code level data.

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‘The credit penalty in each state’Each insurance company incorporates credit history information differently, often using proprietary methods, so the scores do not map directly to FICO credit scores.

‘What homeowners paid before and after a ban on credit-based pricing in Washington State’Data shown are based on observations of real home insurance policies and homeowner credit scores from ICE McDash analyzed by the researchers of Blonz, Hossain, Keys, Mulder and Weill (2026). The price comparisons across credit score tiers controlled for variance in disaster risk, insurance policy characteristics, geography, and other year to year fluctuations.

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Earth is warming faster than previously estimated, new study shows

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Earth is warming faster than previously estimated, new study shows

Planetary warming has significantly accelerated over the past 10 years, with temperatures rising at a higher rate since 2015 than in any previous decade on record, a new study showed.

The Earth warmed around 0.35 degrees Celsius in the decade to 2025, compared to just under 0.2C per decade on average between 1970 and 2015, according to a paper published on Friday in the scientific journal Geophysical Research Letters. This is the first statistically significant evidence of an acceleration of global warming, the authors said.

The past three years have been the hottest on record, compared to the average before the Industrial Revolution. In 2024, warming went past 1.5C, the lower limit set by the Paris Agreement. That target refers to temperature increases over 20 years, but breaching it for one year shows efforts to slow down climate change have been insufficient, the scientists who wrote the new paper said.

The findings shed light on an ongoing debate among researchers. While there is consensus that greenhouse gas emissions have caused the planet to heat up since pre-industrial times, that warming had been steady for decades. But record-breaking temperatures in recent years have led scientists to question whether the pace of temperature gains is accelerating.

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Demonstrating that was difficult due to natural fluctuations in temperatures. The researchers filtered out the “noise” to make the “underlying long-term warming signal” more clearly visible, said Grant Foster, a co-author of the study and a U.S.-based statistics expert.

Researchers isolated phenomena including the El Niño weather phase, volcanic eruptions and solar irradiance. When looking at temperature increases without their influence, the authors concluded the evidence is “strong” that the accelerated warming was not due to an unusually hot 2023 and 2024, but that since 2015 global temperatures departed from their previous, slower path of warming.

The new report adds to a growing body of work that indicates climate change is having a quicker and larger impact on the planet than scientists have understood. A separate paper published this week found that many studies on sea-level increases underestimate how much water along the coast has already risen.

“If the warming rate of the past 10 years continues, it would lead to a long-term exceedance of the 1.5C limit of the Paris Agreement before 2030,” said Stefan Rahmstorf, the lead author of the warming study and a researcher at the Potsdam Institute for Climate Impact Research. “How quickly the Earth continues to warm ultimately depends on how rapidly we reduce global CO2 emissions from fossil fuels to zero.”

Millan writes for Bloomberg.

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