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While Congress Abandons Climate Safety, Cities and States Must Lead
The One Big Beautiful Bill Act may be putting profits ahead of people and the planet, but real climate leadership remains possible—and urgently needed—at the local level.
Jul 11, 2025
On July 4, as rescue teams searched for children swept away by flash floods in central Texas, U.S. President Donald Trump signed the One Big Beautiful Bill Act into law—a legislative package that represents a catastrophic retreat from climate safety precisely when Americans need protection most.
The cruel irony was impossible to ignore: As the floodwaters rose in San Antonio, the federal government was rewarding fossil fuel companies driving the climate crisis while pulling protection away from those in its path.
The OBBBA delivers a devastating one-two punch to American families. First, it guts the very programs designed to keep us safe from extreme weather. The Federal Emergency Management Agency's disaster prevention funding faces a 40% cut. The National Weather Service—already dangerously understaffed—will see deeper cuts to the National Oceanic and Atmospheric Administration that cost lives. Texas' recent floods tragically illustrated how staffing gaps in weather offices directly translate to preventable deaths.
Wildfire prevention efforts have already been halted by White House funding freezes ahead of peak fire season, and the OBBBA eliminates another $100 million in firefighting capacity. Meanwhile, toxic waste cleanups face defunding, exponentially increasing health risks for the 1 in 5 Americans living within three miles of contaminated sites.
By supercharging this growing insurability crisis, the act risks unleashing a climate-fueled version of the 2008 financial meltdown—but this time driven by underinsured climate risk, not subprime mortgages.
The social safety net that helps the most vulnerable disaster victims avoid permanent destitution is being shredded too. The act slashes federal assistance with energy bills by 34%, strips an estimated 6.2 million people of Medicaid, and denies over 3 million people food assistance—the largest Supplemental Nutrition Assistance Program cuts in program history.
Adding fuel to the fire, 350.org's analysis shows that oil, gas, and coal companies are set to receive over $200 billion in OBBBA handouts over the next decade. This includes bargain-basement royalty rates for extraction on public lands and the restoration of controversial tax loopholes. At the same time, OBBBA kneecaps renewable energy competition, forcing families to rely on expensive fossil fuels and pushing up annual utility bills by hundreds of dollars.
The math is simple: We need to halve fossil fuel emissions by 2030 to keep America livable. Instead, U.S. emissions will spike by 8-12%, making it less likely that other countries will agree to reduce their own oil and gas consumption, and driving more extreme weather.
Main Street and family farms will pay the price. Insurance companies rely on predictive weather data and disaster prevention programs that the OBBBA undermines. Premiums have already surged over 35% nationwide since 2020, with the steepest hikes in the places most exposed to extreme weather. State Farm and Allstate have withdrawn completely from fire- and flood-prone regions of California, Florida, and Louisiana.
By supercharging this growing insurability crisis, the act risks unleashing a climate-fueled version of the 2008 financial meltdown—but this time driven by underinsured climate risk, not subprime mortgages.
Fortunately, cities and states still hold powerful tools to fight back and build clean and safe futures for their residents.
- Vermont and New York have passed Climate Superfund Acts requiring fossil fuel companies to pay for climate damages. Honolulu, Baltimore, New York City, and dozens more are suing polluters to recover costs. Other states and cities should follow.
- Local leaders can reform utilities to prioritize affordability and clean energy, ban utility shutoffs during extreme weather, promote public or cooperative models, and remove barriers to community solar.
- Michigan's climate law, mandating 100% clean electricity by 2040, is already driving billions in private investment and creating jobs while lowering utility bills.
Steps like these will help to protect communities from the worst of the climate chaos that OBBBA unleashes. They can also build national momentum that political parties will not be able to ignore come 2026 and 2028.
The OBBBA prioritizes fossil fuel profits over public safety and future generations' survival. But this story isn't over. While Congress may be putting profits ahead of people and the planet, real climate leadership remains possible—and urgently needed—at the local level.
Cities and states must lead now. Our lives depend on it.
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Wildfire Survivors 'Deserve Better,' Advocates Say as California Approves State Farm Rate Hike
Regulators like California Insurance Commissioner Ricardo Lara "need to hold insurance giants like State Farm accountable to paying out what they owe, not reward them with rate hikes," said one watchdog.
May 14, 2025
California Insurance Commissioner Ricardo Lara on Tuesday adopted a judge's ruling allowing State Farm General, the state's largest home insurer, the ability to temporarily hike insurance rates following devastating fires that ravaged the Los Angeles area in January. The decision drew rebuke from watchdog groups, with one organization calling the hike "unjustified."
In February, State Farm sought a rate increase of 22% for homeowners and 15% for renters after the Los Angeles-area fires, citing the need to protect the "fragile California insurance market."
After conducting a hearing in April, an administrative law judge issued a proposed order on Monday, approving an emergency rate increase of 17% for homeowners line, down from the 22% the company had requested, and a 15% increase for renters. The emergency rate increase will go into effect June 1, according to the commissioner's office.
Carmen Balber, executive director of the group Consumer Watchdog, which has been active in opposing the State Farm rate hikes, said Tuesday that the decision "is a great disappointment" that forces "consumers to pay now" but allows "State Farm to wait months before having to show its math."
Consumer Watchdog argued before the administrative law judge that State Farm had failed to put forward adequate justification for the rate increases, and that the issue should go before a full rate hearing.
Lara said on Tuesday that State Farm will still need to justify its financial condition at a full hearing. According to Consumer Watchdog, that hearing is tentatively scheduled for October.
"State Farm policyholders, many of whom are struggling to get their claims paid by the company after the Los Angeles fires, are now facing double-digit rate hikes," Balber also said.
Lara gave sign off on the rate hikes despite calls for his office to probe complaints around the insurance giant's handling of claims made by survivors of the Los Angeles area fires, according to CalMatters. Fire victims have accused State Farm of denying or delaying claims, and had advocated for Lara to reject the rate hike request.
"The survivors of the Eaton and Palisades fires deserve better. Their stories of financial and emotional devastation after fighting with State Farm are heartbreaking and are an indictment of the state of the insurance industry," said Rick Morris, insurance campaigner with the watchdog group Public Citizen's climate program, on Tuesday.
"Regulators like Commissioner Lara need to hold insurance giants like State Farm accountable to paying out what they owe, not reward them with rate hikes," he added.
Public Citizen also highlighted accusations leveled by Consumer Watchdog in October of 2024 that State Farm had boosted profits for its parent company, State Farm Mutual, at the expense of policyholders.
As part of the ruling, according to the commissioner's office, State Farm will obtain $400 million from its parent company to boost its solvency and will also refrain from implementing some nonrenewals through the end of 2025.
State Farm stopped writing any new policies in May 2023, and last spring the company announced it would not renew plans for tens of thousands of homeowners—though it paused nonrenewals in Los Angeles County following the January wildfires.
Approval for the interim hike comes after State Farm General last summer asked for a 30% rate increase for its homeowners, a 52% rate increase for renters, and a 36% rate increase for condominium owners. Separately, in December 2023 it was approved for a 20% increase for homeowners and condominium owners.
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When 6,000 Immigrants Can Be Declared Dead, No One’s Benefits Are Safe
It would be short-sighted to view this as an immigration issue. In fact, this move reveals both our common vulnerability to the whims of high-up decision-makers, and our shared humanity.
Apr 17, 2025
When the Social Security Administration recently reclassified more than 6,000 living and breathing immigrants as dead in order to deny them the Social Security numbers and benefits they legally held, I empathized with those migrants.
I’m not an immigrant, and I don’t receive Social Security benefits. Yet my family, like millions of other Americans, has felt the pain and helplessness of losing access to services and benefits through no fault of our own.
The technique of declaring thousands of people “dead” with one stroke of the pen is particularly cruel and epitomizes the long-standing dehumanization of immigrants in this country.
At first glance, it might seem they target someone else, somewhere else. Upon further reflection, it is evident that the actions and tactics they deploy affect everyone.
But it would be short-sighted to view this as an immigration issue. In fact, this move reveals both our common vulnerability to the whims of high-up decision-makers, and our shared humanity.
As the Trump administration inflicts one cruel injustice after another, rapid fire, on immigrants and other vulnerable groups, these updates flash across screens as discrete, targeted acts. But it is more important than ever to focus on what we have in common and reframe these headlines as coordinated actions within systems that threaten everyone’s well-being.
A few years ago, my husband wrote the annual check for his life insurance policy, sealed it in the company’s return envelope, and dropped it into the official blue U.S. Postal Service mailbox near his bank. To his surprise, the life insurance company contacted him shortly after, notifying him that his policy was canceled due to nonpayment.
Turns out, he was one of thousands of victims of mail theft and check fraud in our town and throughout the country. Just this year, the FBI and the U.S. Postal Inspection Service warned about mail theft and announced that check fraud has recently doubled.
My husband reported the crime to the police, and his bank covered the amount of the lost check. However, the life insurance company refused to reinstate his policy because during all those years he had been paying the annual fee, he also developed a chronic disease. As a small business owner with three children, my husband watched as an essential financial tool, put in place for our family, disappeared overnight—despite the fact that he had done everything right. Just like those 6,000 immigrants.
The health insurance industry has long employed the strategy of “deny, defend, and depose” to avoid covering the costs of important treatments for the sick and suffering who continue to pay climbing premiums. A 2025 article in the American Journal of Managed Care states that “insurance claim denials have risen 16% from 2018 to 2024, affecting access to essential medications like insulin and albuterol.” At the same time, health insurance companies’ net profitability increases.
Those immigrants followed strict rules and were granted Social Security numbers; they did nothing wrong. But just as their identities were wiped away, the high rate of health insurance claim denials financially wipes out millions of Americans. Almost half a million Americans declared personal bankruptcies in 2024, with medical debt the top cause.
Disability benefits are notoriously difficult to receive, and even when accessed, they are tenuous. According to the non-partisan USA Facts, “38% of applicants who meet technical requirements are accepted initially, but 53% of applicants who appeal that decision are ultimately approved.” However, the appeals process can be burdensome and last years. Paying into a private disability insurance plan holds no guarantees either.
Given that last year, the Centers for Disease Control and Prevention reported that “more than 1 in 4—over 70 million—adults in the United States reported having a disability,” everyone in this country knows someone who contends with their disability and simultaneously battles for benefits that are rightfully theirs. It shouldn’t be difficult, then, to empathize with immigrants’ dual plight: they must ward against diffuse and dangerous anti-immigrant sentiment and at the same time fight for basic benefits promised to them.
Even recipients of disability insurance cannot rest easy. They are often stalked and photographed by investigators who use highly selective photos to “prove” the person is able to work. Now, surveillance is digital, too. Algorithms and new surveillance technologies can be laced with bias, trespass privacy laws, and lead to unjust claim denials for the people who can least defend themselves.
These new technologies also surveil migrants, with the same built-in biases. A scholarly article published this year describes the system as “a vast digital dragnet.” Once sacred boundaries that protected the privacy of income-tax payers have now been violated to help the Department of Homeland Security locate tax-paying immigrants. Once breached, that once-clear line of privacy is now erased for anyone.
The policies and actions coming from the Trump administration can feel like a barrage—because they are. At first glance, it might seem they target someone else, somewhere else. Upon further reflection, it is evident that the actions and tactics they deploy affect everyone. No one deserves to capriciously have the rug pulled out from under them through no fault of their own—yet we’re barreling toward a future where that’s commonplace, and possibly the norm.
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