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A Diver Visited a Fallen Whale. When He Returned, It Was Gone.

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A Diver Visited a Fallen Whale. When He Returned, It Was Gone.

How does an 18-foot-long, 2,000-pound carcass just disappear?

That question has puzzled some divers and photographers who regularly plunge into the waters off San Diego.

It started earlier this spring when Doug Bonhaus took advantage of some calm weather to scuba dive in Scripps Canyon. As he descended, a hulking mass took shape below him.

There, at an exceptionally shallow 115 feet, lay the body of a baby gray whale.

Whale falls are usually not seen by human divers. Typically, they are discovered by remotely operated vehicles at depths exceeding 3,000 feet.

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Local marine biologists had a guess as to the gray whale calf’s origins. An animal that matched what was found on the seafloor had been spotted swimming near La Jolla Shores, desperately searching for its mother. During its final hours, it was seen approaching boats, as though asking for help that wasn’t coming.

Because it was the first time in memory that a fall was so accessible to people, other divers quickly made their way to the site. Among them was Jules Jacobs, an underwater photojournalist who has written for The New York Times about his explorations.

At that point in late January, the carcass’s resting place was a trough in the canyon that required pinpoint precision to reach. So Mr. Jacobs steeled himself for a dangerous and mentally taxing dive.

Navigating the crepuscular gloom with a team of five other divers, the dive lights suddenly illuminated what he was looking for: the mottled-skinned, emaciated calf. The calf’s eyes had already succumbed to the elements; it seemed locked into an expression of sorrow.

“It’s humbling to dive a whale fall where the tail alone is as big as your body,” Mr. Jacobs said.

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Mr. Jacobs planned additional dives to observe the animal. On his second visit a week later, a chunk of the animal’s tail was missing, likely the work of scavenger sharks like the seven gill or the mako.

After a surge of spring storms, Mr. Jacobs descended into freezing blackness for the third time in late February. Gripping his camera gear so tightly his knuckles turned white, he waited for the decaying animal to appear.

What he found was only the barren seabed.

The calf was gone.


Gray whales, which can grow to around 45 feet in adulthood, have a migration that is the one of the longest of any mammal. It starts in the balmy seas of Baja California and extends to feeding grounds in the high latitudes of the Arctic Oceans. The calf and its missing mother were most likely headed north before they were separated. During this phase of the journey, they would have been at their most vulnerable, with the mother not having eaten for six months.

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Gray whale populations follow a boom-and-bust cycle, with numbers crashing and then recovering, and sometimes up to a quarter of the population lost in a few years.

For about six years, however, the population has failed to rebound as it did during previous die-offs. Scientists attribute this decline to climate change, which accelerates Arctic warming and disrupts the gray whale’s prey. Ship strikes and entanglements in fishing lines aggravate losses to starvation.

“We’re unlikely to return to a world that can support 25,000 gray whales anytime soon,” said Joshua Stewart, an assistant professor at the Oregon State University Marine Mammal Institute. Dr. Stewart expects to see many more whales dying on the West Coast.

Still, in the normal course of events, the death of a whale does not always signify an end. Instead, it catalyzes new beginnings.

A riot of life blooms from a whale carcass, even a calf’s. The flesh nourishes scavengers, the bones are colonized by microbes and worms and the curved vertebrae form new highways for a rapidly developing reef.

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“A whale fall is a real bonanza and may provide as much food as normally reaches the sediment beneath it in 200 years,” said Craig Smith, professor emeritus of oceanography at the University of Hawaii. “Ironically, we know more about whale-fall communities in the deep sea than in shallow water.”

A whale decays in three ecologically distinct stages. First come the scavengers — sharks, crabs, hagfish — which tear into the soft tissue. Then, along come the worms in “huge, writhing masses in the organic-rich ooze surrounding the carcass,” Dr. Smith said. This can last seven years in what scientists call the enrichment-opportunist stage.

Finally, bacteria deep within the bones produce hydrogen sulfide, fueling the chemosynthetic bacteria on the surface of the bones and those living symbiotically inside animal hosts. This stage can last decades, with more than 200 marine species thriving on a single whale fall.


But this infant whale and its carcass had vanished. Had something or someone made off with it, preventing that life-sustaining whale fall from continuing?

Gregory Rouse, a marine biology professor at the Scripps Institution of Oceanography, believes the explanation is less mysterious. During whale falls, he said, decomposition in the body cavity generates gas, which can cause the carcass to rise again after initially sinking, and float before eventually settling on the bottom.

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Strong winds and pulsing currents likely swept the body deeper into the canyon, which descends as far as 1,600 feet down.

“This animal would’ve grown into a titan, but its life was snuffed out in infancy,” Mr. Jacobs said.

But where it lies quietly in the darkness, new life may proliferate and prosper.

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Nearly 40% of California produce contains PFAS pesticides, report finds

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Nearly 40% of California produce contains PFAS pesticides, report finds

A new report shows that nearly 40% of conventionally grown fruits and vegetables tested by California regulators have residues of “forever” or PFAS chemicals, a family of compounds that can be lasting and harmful.

The Environmental Working Group, an advocacy group based in Washington, D.C., reviewed California’s own test data and found PFAS pesticide residues on peaches, grapes and strawberries, and about three dozen other types of fruits and vegetables.

The chemicals have have increasingly been used in agricultural chemicals in recent years.

“Here’s the thing: This is an emerging threat,” said Nathan Donley, environmental health science director for the Center for Biological Diversity, who was not involved in the report. “PFAS pesticides went from being the exception to now they’re the rule.”

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More than 90% of nectarine, peach and plum samples tested contained the PFAS fungicide fludioxonil. The fungicide is sprayed on the fruits after harvest to prevent mold. More than 80% of the cherries, strawberries and grapes sampled carried PFAS residue.

The group relied on data collected in 2023 by California’s Department of Pesticide Regulation, a branch of CalEPA.

There are thousands of PFAS chemicals used in consumer products, electronics, pharmaceuticals and pesticides. They are prized by product manufacturers for their strength, persistence and water resistance. However, many are considered highly toxic, even at very low levels. They’ve been linked to immune suppression, cancer and reproductive and developmental health disruptions and toxicity. They’ve also been linked to ecosystem damage, harming aquatic animals and wildlife.

The vast majority of PFAS chemicals have not been tested for human health effects.

“At a time when most industries are transitioning away from PFAS chemicals, the pesticide industry is actually doubling down on them,” said Donley, who has published papers on the issue. “I think that the persistence of these chemicals is certainly playing a role” in why industries find them desirable, he said.

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“But then again, you get a whole heck of a lot more collateral damage when you have a pesticide that sticks around as long as DDT does,” he said.

Regulators say that not all PFAS chemicals are the same. While some can persist for thousands of years, others break down much more quickly. They also say the ones used in approved pesticides are vetted for human health impacts, as well as ecosystem impacts — such as how they could affect pollinators, aquatic organisms and other wildlife. There are also strict usage requirements that limit the amount of chemicals applied to food, they say.

“Before any pesticide can be sold or used in California, DPR (Department of Pesticide Regulation) conducts a thorough scientific review. This includes evaluating both the active ingredients and full product formulations to understand how long the chemicals remain in the environment and how they break down, which is a key concern for PFAS compounds,” said Amy MacPherson, a spokeswoman for the pesticide agency.

In addition, she said, while the report looks at “detections” of PFAS chemicals, her agency “looks at how those detections compare to federal tolerance levels.”

She said this is important because “detection alone … does not necessarily mean there’s a health risk. Tolerance levels consider lifelong, daily exposure that pose a reasonable certainty of no harm, inclusive of chronic risk.”

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Varun Subramaniam, a co-author of the report and a health data specialist with the Environmental Working Group, said he focused on California for two reasons: California’s pesticide department is one of the few, if not only, state agencies to do this kind of testing; and the state is one of the nation’s largest producers of fruits and vegetables.

“Things that are grown in California tend to spread across the country,” said Subramaniam, who is working on a national report documenting the use of these pesticides. “We thought California was a good starting point.”

Roughly 70 PFAS pesticides are registered with the U.S. Environmental Protection Agency, accounting for about 14% of all active pesticide ingredients. California has registered 53 PFAS pesticides.

According to the report, about 2.5 million pounds of PFAS pesticides are applied annually on California cropland.

Both Subramaniam and Donley said states such as Maine, Rhode Island, Minnesota and North Carolina are “way ahead” of California in considering the harm these chemicals pose to people and ecosystems, and are trying to ban them.

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“These chemicals are really top of mind in the East Coast, especially in New England states where … this story has been going on for decades,” he said.

Subramaniam said people should wash their produce before eating, and opt for organic fruits and vegetables when they can — organic farmers cannot use these chemicals on their produce.

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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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