We push for rules to build resilience and enable a just and equitable transition. Requiring regulators, financial institutions, and other corporations to reckon with the costs of climate change is an important part of the puzzle.
The rising costs and decreased availability of insurance as a result of increasingly severe climate change-driven disasters, coupled with inadequate insurance regulation, is a growing crisis contributing to housing unaffordability. We are bringing people together to develop and demand community-led solutions that advance climate, housing, and racial justice.
Advocacy
Resources
Blog
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AFREF Commentary: 4 Reasons Why We Should Ban the Use of Credit Scores in Property Insurance
While people might assume that insurance companies set their property insurance rates solely or primarily by evaluating the risk profile of individual homes, a homeowner’s credit characteristics are often a bigger driver of the price of homeowner’s insurance. As Federal Reserve researchers put it in a new report, insurers often price rates for “who is…
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Press Releases
Press Release: Connecticut Climate Change Surcharge Could Force Insurers to Pay Their Fair Share
In response to the insurance industry’s continued practice of underwriting fossil fuels while making record profits and pushing up prices for homeowners, the Connecticut General Assembly passed out of committee S.B. 453, An Act Concerning A Climate Change Related Surcharge on Certain Insurance Policies, which would force insurance companies to pay for climate resilience.
AFR In the News
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Biz New Orleans: Congressman Carter Spearheads Bipartisan Effort to Address Rising Homeowner and Flood Insurance Costs
This legislation is endorsed by Americans for Financial Reform; Bipartisan Policy Center, Coalition for Sustainable Flood Insurance; Greater New Orleans, Inc.; Environmental Defense Fund (EDF); Greater New Orleans Foundation; Greater New Orleans Housing Alliance (GNOHA); HousingLOUISIANA; Gulf Coast Bank & Trust; Home Builders Association of Greater New Orleans (HBAGNO); Flood Mitigation Industry Association (FMIA); National…
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Insurance News: 40 Groups Push California Senate to Pass Four Wildfire Insurance Protections Before April 22
A coalition of 40 organizations sent letters to the committee on April 14, 2026, urging passage of all four. The groups range from wildfire survivor networks in Altadena and Pacific Palisades to the California Nurses Association, Consumer Watchdog, the Consumer Federation of America, the Center for Biological Diversity, Americans for Financial Reform, and dozens of…
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Insurance Journal: Public Interest Groups Backing California Homeowners Insurance Bills
The groups sponsoring the bills include: 350 Conejo/San Fernando Valley, Affordable Homeownership Foundation Inc., Altadena CoLab, Americans for Financial Reform…
