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Is Minnesota prepared for climate change? Five states want to hear from insurers

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Minnesota and four other states are asking insurance companies how they might be preparing for climate change. The Star Tribune reports the effort, so far, involves an eight-question survey that insurance companies have until the end of this month to fill out. One insurer discloses they're working on weather modeling information and designs for stronger structures as a possible answer for future risks. Still another said the effects of climate change are not understood well enough to predict.

The questionnaire is developed by the National Association of Insurance Commissioners which lists record losses from hurricanes since 1992 and mounting payouts from drought, floods, hail and snow storms.

The other states are Washington, California, Connecticut and New York.

The Insurance Journal reports one New Jersey town is considering raising the entire downtown area--at considerable cost--in order to deal with increasing floods.

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