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  "path": "/story/ai-assisted-parametric-insurance-climate-change/",
  "publishedAt": "2026-06-16T14:00:00.000Z",
  "site": "https://www.wired.com",
  "tags": [
    "The Big Story",
    "Science / Environment",
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  "textContent": "A new, AI-assisted model of insurance is quietly exploding in disaster-prone areas—and may be coming for FEMA too. Is it the answer to climate change, or a trap?",
  "title": "Traditional Home Insurance Is Collapsing. Here’s What Could Fill the Gap"
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