Minnesota
A look at the uncertain future of homeowners insurance in Minnesota
MINNEAPOLIS — Tuesday’s severe weather left damage across Iowa and southern Minnesota. Each time we get weather like this, the damage adds up and so do the insurance costs.
Minnesota insurance companies have lost money six out of the last seven years. The main culprit: hail.
Last August’s hail storm here caused $1 billion in damages. With mounting losses for insurance companies, there is an increasing risk of insurers deciding to pull out of our region.
“The effects of climate change are really having their most direct and financial impact to people as it relates to insurance,” said Aaron Cocking, the president of the Insurance Federation of Minnesota.
Homeowners insurance rates have soared. In Iowa, insurers are not renewing policies leaving homeowners like Dave Langston of Cedar Rapids searching for new coverage.
“We got a notification in January of this year, that Pekin insurance, who was our insurer, was going to withdraw from the Iowa market,” said Langston.
He finally found new insurance but it came with a steep price. The association’s previous insurance was $18,500 while the new insurance is now $26,500, an increase of 43%.
Langston warned Minnesotans this could happen here.
“I think that everybody needs to be aware that that the Midwest is coming under scrutiny as a potentially poor investment for insurance companies,” said Langston.
Minnesota has joined high risk states, like Florida, in creating a state-backed high-risk insurance product called FAIR — an insurance of last resort.
“We’ve had our FAIR plan in place for quite some time. Some states didn’t have that,” said Grace Arnold, the Commerce Department’s commissioner.
WCCO’s Director of Meteorology Mike Augustyniak believes warming global temperatures are a factor.
“We know from eighth grade science that the more you warm an air mass the more moisture it can hold. We are increasing the amount of moisture that is in the air. The question of other factors that form severe weather, how are they changing? That’s the piece where we are not sure,” said Augustyniak.
Talking Points airs every Wednesday and Thursday at 6:30 p.m. and 9:30 p.m., live on CBS News Minnesota.
NOTE: Above is a preview of Talking Points presented on “The 4.”
Minnesota
As Minnesota Finalizes New Emissions Rule, The Devil Is In The Details — Streetsblog USA
Is this a loophole big enough to drive a diesel truck through?
Minnesota’s 2023 law to reduce greenhouse emissions from the state’s biggest climate pollution sector — transportation has been heralded as a major step toward creating accountability for an agency that has long treated climate and pollution impacts as an afterthought.
But the law — also known as the Transportation Greenhouse Gas Emissions Impact Assessment — left to the discretion of the Minnesota Department of Transportation commissioner how emissions will be measured and mitigated. With the rule set to take effect in a few months and details still being decided, it’s worth asking whether the law will ultimately prove effective at driving down emissions — an especially worthy question given that state action on climate is more important than ever as President-elect Trump has pledged to dismantle regulations to battle climate change.
Let’s dig in:
Background
The Minnesota law, modeled after a similar law in Colorado, requires Minnesota DOT to create a process to measure whether planned highway projects align with the state’s goals of reducing vehicle miles traveled and achieving net zero emissions by 2050. Even as more drivers shift to electric vehicles, achieving climate goals and averting impacts will not be possible without also rapidly reducing driving and increasing trips by transit, walking and biking.
The new climate rule specifically targets major highway projects that increase capacity for cars. For such projects, MnDOT would be required to measure the long-term impact on greenhouse gas emissions, and assess whether the project is consistent with the state’s climate goals. If not, the project can only proceed if MnDOT undertakes a combination of two actions:
- It can alter the project to reduce projected emissions
- It can expand the project budget to include additional projects to mitigate the highway’s emissions impact, to be prioritized within the impacted area
The law was subsequently amended during the 2024 legislative session to get the bill over the finish line. The law grandfathered in exemptions for previously planned projects, allowing some, like State Highway 252’s expansion, to proceed, allowing for the demolition of dozens of homes and businesses in two of Minnesota’s most racially diverse suburbs.
In addition, the requirement to evaluate the climate impact of highway expansion only applies to projects after Aug. 1 2027.
Critical upcoming decisions
Like many climate policies, the law’s impact on transportation spending and resulting emissions will come down to the details of its implementation. The legislature created a technical advisory committee to guide the design and administration of the highway climate law. The committee is composed of nine members, and includes county engineers, transportation engineering firms, academia, and state agencies.
The committee met regularly this fall to develop greenhouse gas assessment recommendations for the MnDOT commissioner by January in time for final implementation in February; climate advocates and highway funding groups are both closely monitoring these developments.
Five key decisions will decide if the law lives up to it’s nation-leading potential:
How will MnDOT measure emissions from highway projects?
For decades, departments of transportation have used questionable modeling techniques to justify investing billions in highway expansion projects. These models largely ignore induced demand, a term for the additional driving that occurs following roadway expansion. Highway planners often claim that highway expansion projects will have minimal pollution impacts (this 2021 MnDOT report provides an example), based on the myth that highway widening reduces pollution.
If MnDOT continues to use existing models to measure the VMT and emissions impacts of projects, it will grossly underestimate climate impacts. As an alternative, the committee has considered using the SHIFT calculator, developed by the Rocky Mountain Institute, which provides a rudimentary estimate of the increased emissions from highway expansion resulting from induced demand. In the long-term, MnDOT is in the process of developing a new travel demand model that accounts for induced demand, but the details of the new model are unknown.
How will MnDOT measure emissions impact from mitigation projects?
The committee will also need to create a process to measure the extent to which mitigation projects reduce VMT and greenhouse gas emissions. For example, what is the emissions impact of building a new bus rapid transit line, or a protected bikeway, or upzoning to increase housing density near transit? It is critical that these estimates are conservative to ensure that emissions are truly mitigated.
In order for these measures to be accurate, models must consider the impact of reduced demand, commonly referred to as “traffic evaporation.” Reduced demand is the inverse of induced demand. When roadways are removed or reduced, people in the area tend to drive less and walk, bike, telework, and take public transportation more. This phenomena is increased when road space is converted into new uses that make alternative modes of transportation more convenient. Unfortunately, reduced demand is not accounted for in the existing MnDOT model, or the SHIFT calculator, which only measures induced demand.
How will mitigation projects be funded and budgeted for?
The committee will also need to navigate restrictions on the eligible uses of state highway dollars. Minnesota state law requires that the state’s trunk highway fund, which is largely funded by gas tax revenue, be spent on “highway purposes.” That definition has historically been interpreted to include only infrastructure for cars and trucks, excluding public transit, bicycle and pedestrian infrastructure. Without flexibility in how trunk highway dollars can be spent, it will be difficult for MnDOT to fund mitigation projects to offset emissions. The legislature could alleviate this issue by clarifying the definition of highway purpose to also include mitigation projects. It remains to be seen whether the committee will include such a step in their recommendations.
What mitigation projects will be eligible to offset emissions?
The law originally listed nine project types that are eligible for mitigating the emissions of highway projects, including increasing transit service, improving walking and biking infrastructure, doing proper travel demand management, and restoring natural areas, among others. However the bill authors did not include projects that reduce lanes among the eligible mitigation projects. This oversight must be addressed. Such projects, like road diets and highway-to-boulevard conversions, have constantly been shown to reduce vehicle miles traveled and incentivize the use of cleaner transportation modes.
If the goal is to reduce, not just stabilize, VMT and emissions, if a lane is added somewhere, lanes must be removed elsewhere. MnDOT also has much more control over such projects compared to zoning or natural systems. This would also address the concern that people won’t use new transit and bike lanes because it would incentivize non-driving alternatives as opposed to simply making them an option.
What accountability measures will be used to ensure that projects are accurately achieving the forecasted outcomes?
It remains to be seen what, if any, accountability measures will be implemented to ensure that projections for highway emissions and the emissions of mitigation projects reflect reality. For example, what if induced demand was not fully accounted for in traffic modeling, or what if zoning changes are never acted on, or not enough people use a new bikeway?
There is also a need for guidelines to ensure that mitigation projects are completed in tandem with the highway projects they aim to mitigate, similar to wetland mitigation banking. For example, if a transit line is delayed for years past the highway expansion’s opening, emissions will not be mitigated. Without such protections, MnDOT runs the risk of missing critical climate targets.
Minnesota can set a national standard
The decisions made in the coming months on how to implement the greenhouse gas impact assessment for highways will have ramifications across the country; lessons learned from implementation will hold even more weight as states craft similar laws of their own.
State DOT’s have spent decades prioritizing infrastructure that makes driving as easy and convenient as possible, building bigger roads while making car-free mobility miserable. In order for the new climate law to be effective, it must result in MnDOT reversing direction, removing highway lanes while rapidly adding new transit, biking and pedestrian infrastructure.
If the law fails to accurately account for highway emissions and shift funding toward cleaner alternatives, precious time will be wasted. However, if the commissioner effectively puts the state’s transportation system on a path to net zero, other states will have a model to follow in addressing the highest emitting sector.
Minnesota
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Push to make bald eagle national bird took flight in Minnesota
(FOX 9) – The bald eagle is poised to be officially recognized as the United States’ national bird as a bipartisan bill is on its way to President Joe Biden’s desk.
History of bald eagle as symbol of United States
The backstory: Back in 1782, Congress put the bald eagle on the national seal and since then, it has been used on everything from passports to currency. But it was never officially designated the national bird, a fact many people assumed it already was.
“Assuming something doesn’t necessarily make it so. So, this is just kind of that official overdue recognition that this is our national symbol. Let’s make it our national bird,” said Ed Hahn, the National Eagle Center director of advancement and marketing communications.
The National Eagle Center in Wabasha is home to four bald eagle ambassadors who help teach visitors about the environment and conservation. But soon the formerly endangered species could be soaring to new heights.
“It’s a very cool development and surprising to most people,” said Hahn.
Push to name bald eagle as national bird
What we know: Preston Cook, whose 40,000 piece collection of eagle memorabilia is housed at the eagle center, discovered the oversight while he was writing a book about the birds.
Cook urged Minnesota lawmakers in Washington D.C. to introduce legislation naming the bald eagle the national bird, which passed the U.S. Senate back in July and the U.S. House on Monday. The bill is now headed to President Biden’s desk to make the designation official.
“Here we are a country that doesn’t have a national bird. Now, every state, all 50 states have a state bird, but we don’t have a national bird. So it is time I felt that this should be done,” said Cook.
Dig deeper: The bald eagle bounced back from near extinction in the late 60s and 70s and the eagle center hopes giving the country’s most prominent bird a new title will help the species continue to spread its wings for years to come.
“I think any time that we’re able to elevate something like the bald eagle in high into the public eye, it raises awareness and appreciation for our natural resources, for the environment, for conservation, which are all important,” said Hahn.
The bald eagle will join the rose as the national flower, the oak as the national tree and the bison as the national mammal.
What we don’t know: While the bill has been sent to President Biden’s desk, it’s unknown when he may sign the bill into law.
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