Perhaps the most interesting part of the article:
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That probably sounds good in your head. But you are only thinking of fires. What if they just pick the highest risk factor for every house and refuse to cover that. Then what would be the point of the insurance. And if you consider all the houses that are a high risk for something... fire, hurricane, flooding, high winds, tornadoes, earthquakes... you aren't left with many houses.
What a silly thing to say.
Obviously, if one insurer refused to cover what ever thing, they would lose all their customers to other insurers who covered sensible risks.
The point is, you can't insure against risks that are too likely to occur.
Let me rephrase. If they refused to insure any house that was a high risk for one factor. That would be a very sizable chunk of the country. Even if they only refused to insure it for the thing it was high risk for, it would make unsurance on the house pointless. Flood zones and wildfire zones particularly are expending every year. Hurricane zones used to be ok to insure because hurricanes didn't hit too hard too often. But they are stronger and more frequent, so much of Florida has a very short list of insurers which will trend to zero in the near future. While I agree everyone should move out of florida because of the shitty politics, that isn't really practical.
The cost of insurance needs to equal the risk though.
If a house is going to get burned down every year, who pays to re-build it?
It isn't practical to expect everyone to move out of florida, but climate change is impractical.