{"id":61074,"date":"2026-06-16T14:00:00","date_gmt":"2026-06-16T14:00:00","guid":{"rendered":"http:\/\/hoo.central12.com\/fugic\/?guid=c640d5924862a1a5db92921d226b6bfe"},"modified":"2026-06-16T14:00:00","modified_gmt":"2026-06-16T14:00:00","slug":"traditional-home-insurance-is-collapsing-heres-what-could-fill-the-gap","status":"publish","type":"post","link":"https:\/\/hoo.central12.com\/fugic\/2026\/06\/16\/traditional-home-insurance-is-collapsing-heres-what-could-fill-the-gap\/","title":{"rendered":"Traditional Home Insurance Is Collapsing. Here\u2019s What Could Fill the Gap"},"content":{"rendered":"A new, AI-assisted model of insurance is quietly exploding in disaster-prone areas\u2014and may be coming for FEMA too. Is it the answer to climate change, or a trap?","protected":false},"excerpt":{"rendered":"<p>A new, AI-assisted model of insurance is quietly exploding in disaster-prone areas\u2014and may be coming for FEMA too. Is it the answer to climate change, or a trap?<\/p>\n","protected":false},"author":872,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2630,2916,3400],"tags":[],"class_list":["post-61074","post","type-post","status-publish","format-standard","hentry","category-science-environment","category-the-big-story","category-the-future-of-home"],"_links":{"self":[{"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/posts\/61074"}],"collection":[{"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/users\/872"}],"replies":[{"embeddable":true,"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/comments?post=61074"}],"version-history":[{"count":1,"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/posts\/61074\/revisions"}],"predecessor-version":[{"id":61075,"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/posts\/61074\/revisions\/61075"}],"wp:attachment":[{"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/media?parent=61074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/categories?post=61074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hoo.central12.com\/fugic\/wp-json\/wp\/v2\/tags?post=61074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}