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   Climate: Higher insurance prices, less coverage
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   Readers told us how insurers are raising premiums and, in some cases, cutting back coverage.
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             Home insurance prices have risen drastically in areas most exposed to climate-related risk, like California and Florida. And research shows the effects of the higher rates are also spilling over into the broader real estate market.
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        <h1 style="color:#000;font:400 30px/37.5px georgia,serif;margin:0 0 12px">
         <span>
          Higher prices, less coverage
         </span>
        </h1>
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             <p style="font:13px/18px arial,sans-serif;letter-spacing:.2px;color:#000;font:600 13px/18px arial,sans-serif;margin-bottom:3px">
              By
              <a class="css-nanfcg" style="-webkit-text-decoration:underline;text-decoration:underline;-webkit-text-decoration:none;text-decoration:none;border-bottom:1px solid #ccc;color:inherit">
               Claire Brown
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        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Last month, we reported on new research that found
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          home insurance prices have increased drastically
         </a>
         <span>
          , particularly in areas most exposed to climate-related risk.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          And the research showed something new and equally worrisome: The effects of the higher rates are spilling over into the broader real estate market, suppressing home prices in the ZIP codes most vulnerable to hurricanes and wildfires.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          We asked you to send us your own stories of rising insurance costs. (You can still
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          send along your story here
         </a>
         <span>
          and
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          see what’s happening in your area
         </a>
         <span>
          .)
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Hundreds of you responded. Some homeowners who wrote in have opted to pack up and move elsewhere. Others are dropping coverage and hoping for the best. Those who maintain their policies have seen deductibles creep upward in tandem with rising rates.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          The data we analyzed captured only part of the picture. Under the surface, home insurance coverage is changing in big ways that are harder to see. Here’s what we learned from your stories.
         </span>
        </p>
        <h3 style="color:#000;font:400 20px/27.5px georgia,serif;margin:0 0 10px">
         <span style="font-weight:700">
          Big increases with little explanation
         </span>
        </h3>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          We heard many horror stories about rate increases in places like Florida and California, where insurance markets have been turbulent for years. But we also heard similar anecdotes out of states like Ohio, Maryland and Massachusetts, where disasters are less frequent but homeowners say they’re seeing rates climb by 30 percent or more year after year.
         </span>
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              <li style="margin:0 0 10px 0;line-height:27.5px">
               <span style="font:normal 17px/25px georgia,serif;vertical-align:middle">
                A condo owner in Texas, a Dallas senior on a fixed income, said that her annual premium jumped to $1,239 in 2024, a 63 percent rise from the year prior, with no increase in coverage.
               </span>
              </li>
              <li style="margin:0 0 10px 0;line-height:27.5px">
               <span style="font:normal 17px/25px georgia,serif;vertical-align:middle">
                In Minnesota, a homeowner’s rates are set to jump up to between $6,000 and $8,000 after their insurer stopped offering coverage. They previously paid $3,300.
               </span>
              </li>
              <li style="margin:0 0 10px 0;line-height:27.5px">
               <span style="font:normal 17px/25px georgia,serif;vertical-align:middle">
                In the Colorado mountains, one reader saw their premiums climb to $8,600 last year, a more than a threefold increase over the past 15 years. They switched insurers.
               </span>
              </li>
              <li style="margin:0 0 10px 0;line-height:27.5px">
               <span style="font:normal 17px/25px georgia,serif;vertical-align:middle">
                A homeowner in New Orleans said their total home insurance costs, including flood protection, had jumped to about $21,100 a year, up from $3,800 in 2015.
               </span>
              </li>
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        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          One clear theme: Readers say insurance companies are not providing clear or detailed explanations for rising rates, and a lot of people feel as if they’re paying for someone else’s risk.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          “It is as though we are being held up by the mafia,” wrote one Minnesota reader who saw rates for a small homeowners’ association more than triple since 2021. “We have to have insurance, but the coverage we have is abysmal.”
         </span>
        </p>
        <h3 style="color:#000;font:400 20px/27.5px georgia,serif;margin:0 0 10px">
         <span style="font-weight:700">
          Dropping insurance, selling homes and returning to renting
         </span>
        </h3>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Many of you told us that problems with home insurance — like lack of coverage, high rates or few local options — have been a driving force behind major life decisions.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          We heard from an architect who abandoned plans to purchase a home in California after checking out insurance prices, and moved with his family to New England instead.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          A pair of teachers in Colorado wrote in to say the burdens of rising insurance and property taxes have pushed them to consider relocating. “It is a strain,” they said.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          And a few of you have decided insurance is not worth the hassle, opting to sell your homes and rent instead.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Quite a large number of people wrote in to say they’re keeping insurance only because their mortgage lender requires it. Several readers without mortgages have decided to drop their plans, reasoning that if disaster strikes they will pay out of pocket to rebuild or relocate.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          “I surveyed all our friends who own outright, and NONE of them pay for wind insurance. It’s scary,” one Floridian wrote.
         </span>
        </p>
        <h3 style="color:#000;font:400 20px/27.5px georgia,serif;margin:0 0 10px">
         <span style="font-weight:700">
          Avoiding making claims for fear of getting dropped
         </span>
        </h3>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Many of you described a fear that making a claim — that is, using insurance for its intended purpose — could prompt an insurer to stop offering coverage.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Several readers wrote in with stories about sticking with an insurance company for decades only to be dropped after making a single claim. Often, this meant switching to a new provider with much higher premiums.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Others are paying for home repairs out of pocket, in some cases spending thousands of dollars just to avoid insurance headaches.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          “I honestly doubt that insurance will cover anything without a fight, but I still feel it is better to have insurance than not,” one Floridian wrote. “We do not ever put in any claims for anything that we can reasonably cover ourselves in order to reduce the risk of being dropped.”
         </span>
        </p>
        <h3 style="color:#000;font:400 20px/27.5px georgia,serif;margin:0 0 10px">
         <span style="font-weight:700">
          Deductibles are creeping upward, especially for wind damage
         </span>
        </h3>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          When we
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          mapped rising insurance premiums across the country
         </a>
         <span>
          , the numbers captured the total rates homeowners are paying. But they didn’t tell us anything about the plans these premiums are actually buying.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Readers wrote in to tell us that even as their premiums rise, the underlying plans are offering less coverage. Think of it as shrinkflation for the insurance market.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          “Make a claim and you are penalized. There is a ‘windstorm deductible’ of 5 percent,” wrote one reader from New Rochelle, N.Y. “You know who believes in climate change? Insurance companies!”
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span style="font-style:italic">
          Mira Rojanasakul contributed reporting.
         </span>
        </p>
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                  <img alt="Ad" border="0" class="css-63f6sn" src="https://inboxflows.com/_/image/https%253A%252F%252Fliveintent.newyorktimesinfo.com%252Fimp%253Fs%253D243482%2526li%253DCLIM%2526m%253Ddfbfebeec3e396a6cb1a8b032a80246c%2526p%253DCLIM_20251204%2526stpe%253Ddefault%2526li_coord%253Ddesktop%2526collapse_width%253D600/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZsaXZlaW50ZW50LiIsInRpbWUiOjE3NjQ4Nzk3NTMuODkwOTg2NH0:1vRFqT:HOHPez7pNN4faq44IqZklXJ8jEmuYpagGHriFFNqf0g" style="display:block;width:100%;max-width:600px" width="600"/>
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            <img alt="President Trump, seated in the Oval Office, with several auto industry executives behind him. " class="css-3vswge" height="400" src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic01.nyt.com%252Fimages%252F2025%252F12%252F04%252Fmultimedia%252F04cli-newsletter-Insurance-Readers-02-mcgq%252F04cli-newsletter-Insurance-Readers-02-mcgq-jumbo.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMwMS5ueSIsInRpbWUiOjE3NjQ4Nzk3NTMuODkxMjE2fQ:1vRFqT:2crszVAmgUsXvtN0voSoRGNTNeJ9oPmQ4jxBMmuHuwk" style="width:100%;height:auto;display:block;padding-top:10px;padding-bottom:8px" width="600"/>
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           <td class="css-1b9cqt1" style="text-align:left;width:100%;padding-bottom:15px;line-height:14px">
            <span style="color:#666;font:normal 14px georgia,serif">
             Ford President Jim Farley, center, spoke during a White House event with other auto industry executives on Thursday.
            </span>
            <span style="margin:0;font:11px/11px georgia,serif;color:#888;letter-spacing:.01em">
             Doug Mills/The New York Times
            </span>
           </td>
          </tr>
         </tbody>
        </table>
        <p style="color:#000;font:700 12px/15px arial,sans-serif;padding-bottom:2px;letter-spacing:.8px;margin:0">
         THE TRUMP ADMINISTRATION
        </p>
        <h2 style="color:#000;font:400 25px/32.5px georgia,serif;margin:0 0 10px">
         <span>
          Trump rolls back fuel economy standards, gutting Biden’s climate policy
         </span>
        </h2>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          President Trump on Wednesday
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          threw the weight of the federal government behind vehicles that burn gasoline
         </a>
         <span>
          rather than electric cars, gutting one of the country’s most significant efforts to address climate change and thrusting the automobile industry into greater uncertainty.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Flanked by executives from major automakers in the Oval Office, Trump said the Transportation Department would significantly weaken fuel efficiency requirements for tens of millions of new cars and light trucks. The administration claimed the changes would save Americans $109 billion over five years and shave $1,000 off the average cost of a new car.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          For the past half-century, the efficiency standards have compelled automakers to increase the distance their vehicles can travel on a gallon of gas, reducing fuel consumption and leading to innovations like electric and hybrid cars. Transportation is the largest source of greenhouse gases in the United States.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span style="font-weight:700">
          The key number
         </span>
         <span>
          : The plan calls for automakers to achieve an average of
         </span>
         <span style="font-weight:700">
          34.5 miles per gallon
         </span>
         <span>
          for cars and light trucks in model year 2031, down from the standard of
         </span>
         <span style="font-weight:700">
          50.4 miles per gallon
         </span>
         <span>
          set by the Biden administration.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span style="font-weight:700">
          G.M. leader says it will still make more efficient cars
         </span>
         <span>
          : Mary Barra, the chief executive of General Motors, said on Wednesday that her company would continue to seek “significant improvement from a fuel-economy perspective,” regardless of the federal rules.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          She said people should buy electric cars based on their merits, not because of government incentives. “People choose an E.V. because it’s a better performance vehicle and it fits their life,” Barra said at
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          The New York Times’s DealBook Summit
         </a>
         <span>
          before the White House announcement.—
         </span>
         <span style="font-style:italic">
          Lisa Friedman, Maxine Joselow and Jack Ewing
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline;font-weight:700">
          Read more
         </a>
         <span style="font-weight:700">
          .
         </span>
        </p>
        <table width="100%">
         <tbody>
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           <td class="css-36ugzx" style="padding-bottom:15px">
           </td>
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           </td>
          </tr>
         </tbody>
        </table>
        <p style="color:#000;font:700 12px/15px arial,sans-serif;padding-bottom:2px;letter-spacing:.8px;margin:0">
         ASK NYT CLIMATE
        </p>
        <h2 style="color:#000;font:400 25px/32.5px georgia,serif;margin:0 0 10px">
         <span>
          Is my morning coffee climate friendly?
         </span>
        </h2>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          You love your morning coffee and you love the planet. So, you might wonder
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          what your caffeine habit means for climate change
         </a>
         <span>
          .
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          Coffee isn’t a huge climate polluter, but it does produce greenhouse gases. On the high end, a kilogram of roasted coffee can produce 40 kilograms or more of carbon dioxide equivalent, according to Dave White, director of the Global Institute of Sustainability and Innovation at Arizona State University. That means a single bag of beans can represent the same emissions as driving a few dozen miles in a gas-powered car.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span>
          We asked the experts about the ground rules for coffee and climate.
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline;font-weight:700">
          Read more
         </a>
         <span>
          . And read more from
         </span>
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline;font-weight:700">
          Ask NYT Climate
         </a>
         <span>
          :
         </span>
        </p>
        <div style="margin:0 auto;max-width:600px;width:100%">
         <table>
          <tbody>
           <tr>
            <td style="padding:0 0 5px">
             <ul class="css-1dtd48z" style="color:#333;font:10px georgia,serif;text-align:left;padding-left:50px">
              <li style="margin:0 0 10px 0;line-height:27.5px">
               <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline;font:normal 17px/25px georgia,serif;vertical-align:middle">
                Do Heat Pumps Work When It Gets Really Cold?
               </a>
              </li>
              <li style="margin:0 0 10px 0;line-height:27.5px">
               <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline;font:normal 17px/25px georgia,serif;vertical-align:middle">
                Is My Skin Care Routine Planet-Friendly?
               </a>
              </li>
              <li style="margin:0 0 10px 0;line-height:27.5px">
               <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline;font:normal 17px/25px georgia,serif;vertical-align:middle">
                Should I Get a Portable Induction Cooktop?
               </a>
              </li>
             </ul>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <table width="100%">
         <tbody>
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           <td class="css-36ugzx" style="padding-bottom:15px">
           </td>
          </tr>
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           <td style="border-top:1px solid #dcdcdc;padding-bottom:15px">
           </td>
          </tr>
         </tbody>
        </table>
        <p style="color:#000;font:700 12px/15px arial,sans-serif;padding-bottom:2px;letter-spacing:.8px;margin:0">
         THE CLIMATE QUIZ
        </p>
        <table border="0" cellpadding="0" cellspacing="0" style="width:100%">
         <tbody>
          <tr>
           <td>
            <img alt="A person wearing a backpack stands on the deck of a ship looking at a large brown-green blog of seaweed covering much of the ocean. " class="css-3vswge" height="400" src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic01.nyt.com%252Fimages%252F2025%252F12%252F04%252Fmultimedia%252F04cli-newsletter-Insurance-Readers-pqlj%252F04cli-newsletter-Insurance-Readers-pqlj-jumbo.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMwMS5ueSIsInRpbWUiOjE3NjQ4Nzk3NTMuODkxMzYxfQ:1vRFqT:KKcIQ4db4iNTiGc7nkou48smYYHkNJmglIGtg2ALSqc" style="width:100%;height:auto;display:block;padding-top:10px;padding-bottom:8px" width="600"/>
           </td>
          </tr>
          <tr>
           <td class="css-1b9cqt1" style="text-align:left;width:100%;padding-bottom:15px;line-height:14px">
            <span style="color:#666;font:normal 14px georgia,serif">
             A graduate student examines the blob in July 2024.
            </span>
            <span style="margin:0;font:11px/11px georgia,serif;color:#888;letter-spacing:.01em">
             Sully Sullivan
            </span>
           </td>
          </tr>
         </tbody>
        </table>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <span style="font-weight:700">
          A 5,550-mile long blob of smelly ocean seaweed is rapidly growing in size, according to new research published this week in the journal Nature Geoscience. Where did it wash up in 2023, to the great dismay of beachgoers?
         </span>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          Southern California
         </a>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          Florida
         </a>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          Thailand
         </a>
        </p>
        <p style="font:normal 17px/25px georgia,serif;color:#333;margin:0 0 15px">
         <a class="css-sdwaa1" style="color:#286ed0;-webkit-text-decoration:underline;text-decoration:underline">
          Australia
         </a>
        </p>
        <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%">
         <tbody>
          <tr>
           <td style="padding-top:15px">
           </td>
          </tr>
          <tr>
           <td style="padding:7px 0 20px;border-top:2px solid #000">
            <h2 class="css-hjhb8p" style="letter-spacing:.4px;font:700 17px/25px arial,sans-serif;color:#000;margin:0;padding:0">
             OTHER NYT CLIMATE NEWS
            </h2>
           </td>
          </tr>
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           <td class="css-11kh5w9" style="padding:0;padding-bottom:25px">
            <table role="presentation" style="width:100%">
             <tbody>
              <tr>
               <td class="css-5i4540" style="display:inline-block;width:291px;max-width:291px;vertical-align:top">
                <a class="css-sdwaa1" style="-webkit-text-decoration:underline;color:#000;text-decoration:none;display:block">
                 <img alt="Article Image" class="css-7y77sk" src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic01.nyt.com%252Fimages%252F2025%252F12%252F02%252Fmultimedia%252F00biz-NATURE-RETRACTION-thzc%252F00biz-NATURE-RETRACTION-thzc-square640.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMwMS5ueSIsInRpbWUiOjE3NjQ4Nzk3NTMuODkxNDYxOH0:1vRFqT:LDUCO_J-g899UYC29ovc17ZG3kSN70WEUCMo8X7hy7I" style="width:291px;box-sizing:border-box;vertical-align:top" width="291"/>
                 <p style="color:#888;font:11px/17px georgia,serif;margin:2px 0 0;text-align:right">
                  Ishara S. Kodikara/Agence France-Presse — Getty Images
                 </p>
                </a>
               </td>
               <td class="css-r8caib" style="min-width:291px;width:100%;vertical-align:top;box-sizing:border-box;padding-left:15px">
                <a class="css-sdwaa1" style="-webkit-text-decoration:underline;color:#000;text-decoration:none;display:block">
                 <h3 style="color:#000;margin:0;padding:0 0 5px;font:700 20px/25px georgia,serif">
                  Top Journal Retracts Study Predicting Catastrophic Climate Toll
                 </h3>
                 <p class="css-1bi319l" style="color:#333;font:17px/22.5px georgia,serif;margin:0;margin-bottom:10px">
                  While growing evidence shows that carbon emissions are harming the economy, the journal Nature found that an outlier paper had deep flaws.
                 </p>
                 <p style="color:#000;font:600 13px/18px arial,sans-serif;margin:0;letter-spacing:.2px">
                  By Lydia DePillis
                 </p>
                </a>
               </td>
              </tr>
             </tbody>
            </table>
           </td>
          </tr>
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           <td class="css-11kh5w9" style="padding:0;padding-bottom:25px;border-top:1px solid #dcdcdc;padding-top:20px">
            <table role="presentation" style="width:100%">
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               <td class="css-5i4540" style="display:inline-block;width:291px;max-width:291px;vertical-align:top">
                <a class="css-sdwaa1" style="-webkit-text-decoration:underline;color:#000;text-decoration:none;display:block">
                 <img alt="Article Image" class="css-7y77sk" src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic01.nyt.com%252Fimages%252F2025%252F12%252F04%252Fmultimedia%252F04re-calculator-gwht%252F04re-calculator-gwht-square640.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMwMS5ueSIsInRpbWUiOjE3NjQ4Nzk3NTMuODkxNTU1fQ:1vRFqT:KPFWDCP9Lv5fA3LqUJTwCMxhyQ9BH-h4zfqzMKqhyeI" style="width:291px;box-sizing:border-box;vertical-align:top" width="291"/>
                 <p style="color:#888;font:11px/17px georgia,serif;margin:2px 0 0;text-align:right">
                  NYC Department of Sanitation
                 </p>
                </a>
               </td>
               <td class="css-r8caib" style="min-width:291px;width:100%;vertical-align:top;box-sizing:border-box;padding-left:15px">
                <a class="css-sdwaa1" style="-webkit-text-decoration:underline;color:#000;text-decoration:none;display:block">
                 <p style="color:#555;font:14px/21px georgia,serif;margin:0 0 2px;text-transform:uppercase;letter-spacing:.75px">
                  Calculator
                 </p>
                 <h3 style="color:#000;margin:0;padding:0 0 5px;font:700 20px/25px georgia,serif">
                  Does Your Building Have a Fabric Recycling Bin? It Should.
                 </h3>
                 <p class="css-1bi319l" style="color:#333;font:17px/22.5px georgia,serif;margin:0;margin-bottom:10px">
                  People often don’t know what to do with unwanted fabric items like clothing, bedding and shoes.
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                 <p style="color:#000;font:600 13px/18px arial,sans-serif;margin:0;letter-spacing:.2px">
                  By Joyce Cohen
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                </a>
               </td>
              </tr>
             </tbody>
            </table>
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          </tr>
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               <td class="css-5i4540" style="display:inline-block;width:291px;max-width:291px;vertical-align:top">
                <a class="css-sdwaa1" style="-webkit-text-decoration:underline;color:#000;text-decoration:none;display:block">
                 <img alt="Two men standing amid massive piles of logs." class="css-7y77sk" src="https://inboxflows.com/_/image/https%253A%252F%252Fstatic01.nyt.com%252Fimages%252F2025%252F12%252F03%252Fmultimedia%252F03int-indonesia-floods-02-tczf%252F03int-indonesia-floods-02-tczf-square640.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdGF0aWMwMS5ueSIsInRpbWUiOjE3NjQ4Nzk3NTMuODkxNjkyOX0:1vRFqT:BbrmXRGZnUaaNAQSw-2aXmbCul0vDBZze3l8U2GlXNY" style="width:291px;box-sizing:border-box;vertical-align:top" width="291"/>
                 <p style="color:#888;font:11px/17px georgia,serif;margin:2px 0 0;text-align:right">
                  Binsar Bakkara/Associated Press
                 </p>
                </a>
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               <td class="css-r8caib" style="min-width:291px;width:100%;vertical-align:top;box-sizing:border-box;padding-left:15px">
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                 <h3 style="color:#000;margin:0;padding:0 0 5px;font:700 20px/25px georgia,serif">
                  Where Floodwaters Turned Piles of Timber Into Floating Battering Rams
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                 <p class="css-1bi319l" style="color:#333;font:17px/22.5px georgia,serif;margin:0;margin-bottom:10px">
                  Many logs became forces of destruction in Indonesia last week, in a sign that deforestation compounded the devastation wrought by a cyclone.
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