{"id":435715,"date":"2026-03-30T22:24:37","date_gmt":"2026-03-30T20:24:37","guid":{"rendered":"https:\/\/climatescience.press\/?p=435715"},"modified":"2026-03-30T22:24:39","modified_gmt":"2026-03-30T20:24:39","slug":"wrong-chicago-sun-times-climate-change-isnt-causing-high-insurance-cost-in-illinois","status":"publish","type":"post","link":"https:\/\/climatescience.press\/?p=435715","title":{"rendered":"Wrong, Chicago Sun Times, Climate Change Isn\u2019t Causing High Insurance Cost in Illinois"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

From ClimateRealism<\/a><\/p>\n\n\n\n

By Linnea Lueken<\/a><\/p>\n\n\n\n

A recent article at the\u00a0Chicago Sun Times<\/em>\u00a0(CST) claims that \u201cClimate change is fueling a surge in Illinois home insurance premiums<\/a>,\u201d via increases in severe weather. This is false. Severe weather is not getting worse in Illinois, so it cannot be the driver for insurance costs. Other factors, like increasing home values and inflation, are driving insurance rates higher.<\/p>\n\n\n\n

The article is sponsored by the environment focused media group Grist, so there is already an incentive to inflate the climate angle and downplay the more important reasons why insurance costs are rising in already-expensive Illinois. Those other reasons are mentioned briefly in the post, \u201cthe value of a home, the cost of the materials needed to rebuild it, and even the credit scores of the homeowner,\u201d all impact insurance costs, but the CST insists that really climate change is the main problem.<\/p>\n\n\n\n

The CST post says that \u201cIllinois home insurance premiums are going up, and climate change-powered severe weather is in part to blame.\u201d Later in the article it specifies hail and flooding as specific weather events that are damaging homes in the state.<\/p>\n\n\n\n

The flooding issue is addressed within the article itself, with the CST writer saying that neighborhood developers \u201care also building homes in flood-prone areas, adding to rising premiums.\u201d<\/p>\n\n\n\n

Right, if a home is built in an area that FEMA has already designated as a flood zone, insurance costs will be higher. That is not the fault of climate change, it is the fault of developers and the people who are willing to take the risk and buy those homes. Flood zones change naturally over time, it has nothing to do with climate change.<\/p>\n\n\n\n

The other major extreme weather the post points towards, hail storms, are most definitely not getting worse according to weather data.<\/p>\n\n\n\n

As discussed in a\u00a0previous\u00a0Climate Realism<\/em>\u00a0post on the issue of hail in Illinois<\/a>, weather data shows that hail occurrence has actually been declining on average since highs around 2006, but overall show no long term trend at all. (See figure below)<\/p>\n\n\n

\n
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Figure 1: Illinois hail reports, from 1995 to 2025, data from NWS Storm Prediction Center.<\/figcaption><\/figure>\n<\/div>\n\n\n

Despite the available weather data showing that extreme weather is not getting worse, CST says that State Farm and Allstate \u201cpointed to extreme weather as driving up costs.\u201d<\/p>\n\n\n\n

Rising insured losses are not evidence that extreme weather is getting worse, but they are reflective of the fact that home values are getting higher, and that inflation which impacts the cost of the homes themselves as well as all the materials needed to make repairs after damage is done, is also rising.<\/p>\n\n\n\n

It is convenient for insurance companies and state governments to blame climate change, a nebulous thing outside their control, for hikes in premiums.\u00a0Climate Realism<\/em>\u00a0has\u00a0posted dozens of posts<\/a>\u00a0showing why climate change is not responsible for rising insurance rates or dropped coverage in various parts of the country, and Illinois is no exception.<\/p>\n\n\n\n

The\u00a0Chicago Sun Times<\/em>\u00a0allied with Grist to promote climate alarmism at the expense of truth, and in the process shielded insurance companies from blowback for rising insurance rates and urban planners for allowing building in unsuitable areas. In a roundabout way CST and Grist blame the residents of Illinois for their own suffering. If only people would stop driving cars that use gasoline and diesel, and stop demanding reliable electricity as provided by coal, natural gas, and nuclear, then maybe insurance wouldn\u2019t be so high! It is simple fearmongering in order to coerce people into supporting climate restrictions that Grist and other activists have long pushed for.<\/p>\n","protected":false},"excerpt":{"rendered":"

A recent article at the Chicago Sun Times (CST) claims that \u201cClimate change is fueling a surge in Illinois home insurance premiums,\u201d via increases in severe weather. This is false. Severe weather is not getting worse in Illinois, so it cannot be the driver for insurance costs. Other factors, like increasing home values and inflation, are driving insurance rates higher.<\/p>\n","protected":false},"author":121246920,"featured_media":435720,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"{\"document\":\"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Chicago Tribune, Climate Change Isn\u2019t Making Hailstorms Worse","author":"uwe.roland.gross","date":"18\/03\/2026","format":false,"excerpt":"The Chicago Tribune recently ran a story claiming that climate change is making storms in Illinois \u201cmore severe,\u201d particularly with regard to hail and tornadoes. This is false. There is no evidence that hail is becoming larger or tornadoes more powerful, or that either has become more common.","rel":"","context":"In \"Chicago Tribune\"","block_context":{"text":"Chicago Tribune","link":"https:\/\/climatescience.press\/?tag=chicago-tribune"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2026\/03\/0lorapalner-first-snow-1821255_1280.jpg?fit=1200%2C803&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2026\/03\/0lorapalner-first-snow-1821255_1280.jpg?fit=1200%2C803&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2026\/03\/0lorapalner-first-snow-1821255_1280.jpg?fit=1200%2C803&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2026\/03\/0lorapalner-first-snow-1821255_1280.jpg?fit=1200%2C803&ssl=1&resize=700%2C400 2x, 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change","link":"https:\/\/climatescience.press\/?tag=climate-change"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/08\/0image1440x560cropped-1.jpg?fit=1200%2C467&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/08\/0image1440x560cropped-1.jpg?fit=1200%2C467&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/08\/0image1440x560cropped-1.jpg?fit=1200%2C467&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/08\/0image1440x560cropped-1.jpg?fit=1200%2C467&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/08\/0image1440x560cropped-1.jpg?fit=1200%2C467&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":299279,"url":"https:\/\/climatescience.press\/?p=299279","url_meta":{"origin":435715,"position":2},"title":"Insurance Industry\u2019s Fake Claims Of Increasing Storm Damage Are Not Supported By\u00a0Data","author":"uwe.roland.gross","date":"01\/02\/2024","format":false,"excerpt":"Mr Khan is telling lies to you.","rel":"","context":"In \"Climate change\"","block_context":{"text":"Climate change","link":"https:\/\/climatescience.press\/?tag=climate-change"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/02\/0fake-news-1.webp?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/02\/0fake-news-1.webp?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/02\/0fake-news-1.webp?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/02\/0fake-news-1.webp?fit=1200%2C675&ssl=1&resize=700%2C400 2x, 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Catastrophe","link":"https:\/\/climatescience.press\/?tag=climate-catastrophe"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/05\/0Miami-playas.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/05\/0Miami-playas.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/05\/0Miami-playas.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/05\/0Miami-playas.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/05\/0Miami-playas.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":403002,"url":"https:\/\/climatescience.press\/?p=403002","url_meta":{"origin":435715,"position":4},"title":"Realtor.com and Yahoo News Are Wrong: Insurance Is Not Rising Due to Climate Change","author":"uwe.roland.gross","date":"18\/09\/2025","format":false,"excerpt":"Yahoo News reposted an article from Realtor.Com titled \u201cWould You Drop Insurance To Stay Put in Your Neighborhood? Most Owners Say Yes,\u201d claims that increasing \u201cclimate risk\u201d is forcing people to go without insurance and insurers to pull out of high risk areas. This is only partially true, insurers are\u2026","rel":"","context":"In \"\u201cclimate risk\u201d\"","block_context":{"text":"\u201cclimate risk\u201d","link":"https:\/\/climatescience.press\/?tag=climate-risk-2"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2025\/09\/AQN_ZHrEdKxIKWOnZDeymjtnxvyY4TY14qwVGjqDY_7q5qiXe5mFfntXsH0xDgUd-ByB391eCNxE_xbEzRSYCYHMN7tUT90fAEfPFi_ttPTzeGGDCadd8xLSVlw4ht0i-254-4Q-N8hA-R0Tshw83HKz-mk9w.jpeg?fit=1200%2C1200&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2025\/09\/AQN_ZHrEdKxIKWOnZDeymjtnxvyY4TY14qwVGjqDY_7q5qiXe5mFfntXsH0xDgUd-ByB391eCNxE_xbEzRSYCYHMN7tUT90fAEfPFi_ttPTzeGGDCadd8xLSVlw4ht0i-254-4Q-N8hA-R0Tshw83HKz-mk9w.jpeg?fit=1200%2C1200&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2025\/09\/AQN_ZHrEdKxIKWOnZDeymjtnxvyY4TY14qwVGjqDY_7q5qiXe5mFfntXsH0xDgUd-ByB391eCNxE_xbEzRSYCYHMN7tUT90fAEfPFi_ttPTzeGGDCadd8xLSVlw4ht0i-254-4Q-N8hA-R0Tshw83HKz-mk9w.jpeg?fit=1200%2C1200&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2025\/09\/AQN_ZHrEdKxIKWOnZDeymjtnxvyY4TY14qwVGjqDY_7q5qiXe5mFfntXsH0xDgUd-ByB391eCNxE_xbEzRSYCYHMN7tUT90fAEfPFi_ttPTzeGGDCadd8xLSVlw4ht0i-254-4Q-N8hA-R0Tshw83HKz-mk9w.jpeg?fit=1200%2C1200&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2025\/09\/AQN_ZHrEdKxIKWOnZDeymjtnxvyY4TY14qwVGjqDY_7q5qiXe5mFfntXsH0xDgUd-ByB391eCNxE_xbEzRSYCYHMN7tUT90fAEfPFi_ttPTzeGGDCadd8xLSVlw4ht0i-254-4Q-N8hA-R0Tshw83HKz-mk9w.jpeg?fit=1200%2C1200&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":408403,"url":"https:\/\/climatescience.press\/?p=408403","url_meta":{"origin":435715,"position":5},"title":"False, Santa Fe New Mexican, Climate Change Isn\u2019t Causing Higher Insurance Rates or Dropped Coverage","author":"uwe.roland.gross","date":"15\/10\/2025","format":false,"excerpt":"A recent article posted at the\u00a0Santa Fe New Mexican\u00a0(SFNM), \u201cClimate change and the coming real estate calamity,\u201d claims that climate change is causing an increase in extreme and damaging weather, which then causes homes to be uninsurable. This is false. 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