Did you know that extreme weather disasters in the U.S. are now causing more than 20 billion‑dollar events every year, leaving a growing share of those losses uninsured? As climate change accelerates—and as ecosystems like wetlands and forests are destroyed and degraded—the insurance protection gap is widening, putting households, businesses, and entire communities at rising financial risk.

In this episode of Nature Breaking, you'll hear from David Kuhn, WWF's Director for Adaptation and Resilience Partnerships and a contributor to a new WWF report on the insurance crisis. David explains what's driving the surge in uninsured losses, why premiums are skyrocketing, and how climate‑driven disasters are undermining the stability of the US insurance system. He also breaks down how nature loss is stripping communities of their "first line of defense" against floods, storms, and heat—and why restoring ecosystems may be one of the most cost‑effective ways to strengthen resilience and shore up the insurance system.

As David shares, there's reason for hope in spite of these alarming trends. With smart policies, better risk modeling, and investments that treat nature as essential infrastructure, we can reduce damages, lower costs, and build a safer, more resilient future.

Links for More Info:

David Kuhn bio

REPORT: Tackling the Insurance Protection Gap

Op-Ed: Nature is a powerful ally against fires and floods (LA Times)

Chapters:

0:00 Teaser

0:31 Intro

1:56 Explaining the insurance protection gap

6:47 Insurance becoming an unsustainable business model

10:23 Practical impacts of insurance gap on consumers

15:23 Role of nature loss in the insurance crisis

19:16 How nature can help mitigate the insurance crisis

21:32 Recommendations for policymakers, insurers, companies, etc.

25:50 Reasons for hope

30:00 Outro

Note: This episode originally aired in October 2023.

Snow leopards are among the hardest animals to find in the wild, both because of how rare they are, and because their coats are adapted to provide camouflage that makes them hard to see against the rugged mountain landscape they call home. With an estimated 4,000-6,500 snow leopards remaining in the wild, conservationists have been working in snow leopard range countries across Asia to build a more stable future for these big cats. And recently, Bhutan reported some good news: the population of snow leopards in that country has increased by nearly 40% since 2016.

In this episode, you'll hear from Dechen Dorji, Senior Director for Asia on WWF's Wildlife Conservation team. He talks about the many characteristics that make snow leopards unique (5:07), the threats that have caused snow leopard populations to decline (13:01), and what we can learn from Bhutan's recent success to help snow leopards thrive across all 12 range countries they call home (17:52).

Links for More Info:

WWF Snow Leopard page

Press Release: Bhutan National Snow Leopard Survey

Dechen Dorji bio

Did you know that 75% of the infrastructure the world will use in 2050 hasn't been built yet? That means the choices we make today—about roads, bridges, railways, ports, and power systems—will shape the future of both human development and the natural world.

In this episode of Nature Breaking, WWF's Ryan Bartlett, Director for Climate Resilience and Risk Management, explains how we can build the infrastructure we need without destroying the ecosystems we rely on for critical benefits, including resilience to worsening weather extremes. From habitat fragmentation to increased flooding, poorly planned infrastructure can unintentionally cause huge environmental and social problems. But with the right planning tools, safeguards, and nature-based solutions that treat nature as infrastructure, we can chart a very different path forward.

Links for More Info:

Ryan Bartlett bio

WWF Sustainable Infrastructure page

Sustainable Infrastructure Program in Asia

Greening Transportation Infrastructure Development (GRID)

Chapters:

0:00 Preview

0:26 Intro

1:38 Challenges and opportunities with infrastructure development

4:37 Unintended consequences from poorly planned infrastructure

8:05 Best practices to balance infrastructure with nature & climate concerns

10:58 Solutions for infrastructure bisecting wildlife habitat

15:20 Asia as a key region for sustainable infrastructure

18:30 Sustainable Infrastructure Program in Asia (SIPA)

28:53 Lessons learned from SIPA

31:07 Greening Transportation Infrastructure Development (GRID) program

34:32 What does success look like for advancing sustainable infrastructure development?

37:39 Outro