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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

California Climate Insurance

California Climate Insurance. Protecting our natural environment from climate change and reducing the risk to communities.

Commissioner Ricardo Lara has appointed the nation’s first Deputy Insurance Commissioner of Climate and Sustainability in the United States as California once again leads the nation by working with environmental and industry leaders to find innovative solutions to the risks posed by climate change. Our new Climate and Sustainability Office will address the threat of climate change by working with climate experts, consumer groups and the insurance industry, and California and international leaders. 

Report cover page features child playing in water park at sunset

With California communities facing increasing threats from increasingly exposed to climate change-related threats, Insurance Commissioner Ricardo Lara wrote the nation's first climate insurance law to protect consumers in the years ahead.

Senate Bill 30 (Chapter 614, Statutes of 2018) established a working group of environmental advocates, researchers, and insurance experts making recommendations for policies to reduce the costs from wildfires, extreme heat, and flooding. The California Climate Insurance Working Group published a report in 2021 titled "Protecting Communities, Preserving Nature, and Building Resiliency; How First-of-Its-Kind Climate Insurance Will Help Combat the Costs of Wildfires, Extreme Heat, and Floods."

Climate Insurance Report – One Year Implementation Update


CDI Engages with Universities to Build New Research Workstreams

foundational research schematicReview of 2022 Climate Risk TCFD Reports: Ceres and California Department of InsuranceScenario Analysis Design Guide: University of California, BerkeleyClimate Risk Carbon Initiative Investment Report – 2022
Insuring Extreme Heat: University of California, BerkeleyImage of report cover

Key Initiatives

Future Events

  • February 6, 2024 9-10am: Upcoming webinar on climate stress test of West Coast insurance markets. The California Department of Insurance, fellow state regulators and partners invite you to the upcoming webinar and release of a report on a first-ever transition risk climate stress test of California, Oregon, and Washington insurers’ investments. Join this webinar to learn more about the exposure of insurance company investments to climate-relevant sectors and how these investments stack up to scenarios in which the Paris Agreement targets are met. Registration 



Climate Insurance Working Group Items

Written Public Comment

For written public comment, please email

June 23, 2023 Meeting

April 14, 2023 Meeting

March 10, 2023 Meeting

January 6, 2023 Meeting

November 2, 2022 Meeting

September 21, 2022 Meeting

July 28, 2022 Meeting

December 17, 2021 Meeting

July 16, 2021 Meeting

June 2021 Meeting

August 2020 Meeting

July 2020 Meeting

May 2020 Meeting

February 2020 Meeting

November 2019 Meeting

September 2019 Meeting

Discussion Resources

Image of Commissioner Ricardo Lara speaking at the U.S. Climate Action Center. Quote next to image reads regarding the necessity for bold action to ensure community adaptation and resiliency.
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