This podcast episode investigates the interplay between flood insurance, climate change, and the development of Cape Coral, Florida, as it faces the far-reaching consequences of Hurricane Ian. It highlights the historically low pricing of the National Flood Insurance Program, which has incentivized risky development, and addresses the devastating aftermath of the hurricane experienced by residents such as Marion Morris. The episode also sheds light on the evolving insurance landscape, with many residents opting to forgo flood coverage amid skyrocketing costs, thereby raising concerns about the city's sustainability and resilience in the face of future environmental challenges.