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Insurance and the "Irrationalization" of Disaster Policy: A Political Crisis Theory for an Age of Climate Risk.

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Abstract
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In the last several years, disaster insurance programs around the world have experienced disruptions that many observers interpret to be a primary symptom of "climate crisis" (Bittle 2024). Governments have responded to these disruptions through disjointed and at times contradictory measures: they treat disasters, alternately, as "Acts of God" that should be a collective responsibility, or as the result of decisions that can be attributed to individual agency. This article argues that such shifts between mutualism and individualization in disaster insurance are symptoms of an "irrationalization" of disaster policy. The concept of irrationalization, derived from the Marxist state theory of Claus Offe (1973), describes the process of goal identification and policy formulation of contemporary states as they navigate simultaneously valid but ultimately contradictory principles of political morality and governmental rationality. Through case studies of two disaster insurance programs in the US-the National Flood Insurance Program and property insurance in California, which covers wildfires-the article shows that irrationalization processes are becoming more marked as disasters grow ever larger and costlier, fueled by climate change and other anthropogenic causes. It also suggests that the concept of irrationalization offers insight into the emerging forms of "climate crisis" that are unfolding in disaster policy and other domains. The concept of climate crisis is frequently invoked to designate the ruptural change that will follow from global warming, and to both summon and justify radical action to address problems that are attributed to a particular causal or moral agent. But in the context of the irrationalization of disaster policy, technical and moral attributions are uncertain and disputed. Disasters generate political conflict and crisis-driven reorganization rather than decisive courses of action.

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Back to table of contents Previous article Next article Climate ChangeFull AccessIndigenous Knowledge Is Crucial to Confronting Climate Change and Supports Psychiatric PracticeJoseph Neidhardt, M.D.Joseph NeidhardtSearch for more papers by this author, M.D.Published Online:28 Feb 2022https://doi.org/10.1176/appi.pn.2022.03.3.6AbstractMy career arc includes having a long-time practice in preventive and environmental medicine. Over the years, I have become increasingly concerned about the impacts of the climate crisis. My wife, Mary Roessel, M.D., a Navajo psychiatrist and APA Area 7 Trustee, introduced me to Navajo healing, ceremony, and philosophy from which I learned that “we are part of nature.” I redirected my professional focus to climate and health. I read extensively and consulted Indigenous leaders about their perspectives.This led me to become interested in the interface between Indigenous knowledge and climate change, eventually leading to the creation of the book Groundswell: Indigenous Knowledge and a Call to Action for Climate Change. The book combines the writings of Indigenous people with those of experts on climate change. This merging of two perspectives crystallized the relationship between two systems: Traditional Ecological Knowledge and Western science.We recently made a presentation at COP26 in Glasgow. COP26 stands for the 26th Conference of the Parties. My collaborators and I formulated questions for our presentation: How can Indigenous knowledge be utilized to address the climate crisis? How can complexity science and traditional ecological knowledge assist our search for new solutions? How can Indigenous futurism impact our perspective? The title of our presentation was “Walk in Beauty—Future Dreaming Through Indigenous Knowledge and Western Science.” Our intent was to persuade others that applying Indigenous knowledge can change the world.Our presentation resonated with attendees and other presenters at COP26. Many participants were young and enthusiastic and offered creative solutions. We attended fascinating presentations by and about the Sami people from Finland, Russia, and Norway and Indigenous people in Canada and discussed the “Yellowstone to the Yukon” project and nature-based solutions to climate change. There was significant support for the Land Back movement in Canada and the Amazon. Indigenous people could add significantly to nature-based solutions, especially if the Land Back movement takes hold and leads to the return of stolen lands.The marches and public expressions of urgency were high points of the COP26 experience. The Youth March was filled with enthusiasm; many young people gave compelling speeches, leading us to hope that young people may break through current leaders’ inability to keep global warming increases under 1.5 C.The final governmental agreement, the most publicized component of this massive conference, was simultaneously significant and disappointing. Although there were some major commitments to reduce methane and to continue the pursuit of other forms of carbon reduction, the overall lack of concrete global commitments and the absence of meaningful reparations and protections for more endangered nations (which are not major contributors to climate change) were glaring omissions from the final agreement that emerged from the conference.Psychiatry plays significant roles in responding to the climate crisis. 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&amp;#8220;Climate crisis and its impact: New ways to awaken curiosity and hope in the classroom environment&amp;#8221;
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Teaching about the ongoing climate crisis feels many times emotionally exhausting. This is particularly because it is often sensed that a large number of our students are hopeless about climate change and its impact. In our experience, we have also recognized that classroom discussions may result in misleading conclusions, namely that &amp;#8220;if there is hope, is not for us&amp;#8221;. &amp;#160;Therefore, in recent years, I have been trying to explore new methods to approach this subject. I have searched how students' interest about climate crisis, i.e., global warming and climate change, as well as their engagement as citizens to deal with&amp;#160;climate&amp;#160;crisis could be awakened.The aspects that I have particularly explored are as follows:1).Geological field studies together with scientists provides new insights into climate crisisSince 2013, I have been working on several projects in collaboration with researchers at the Department of Geological Sciences at Stockholm University. This collaboration began when I participated in a Research Council. Since then, I have been co-leading several projects, which had resulted in that many of my students participated in scientific activities, including making observations, collecting data, and doing fieldwork. By doing fieldwork my students have got new insights into and the time to reflect over the present as well as the past climate changes. This is a way of learning that the &amp;#8220;climate crisis&amp;#8221; is in fact &amp;#8220;a geological problem&amp;#8221;.2). Engagement creates hopeI have been involving my students in several cultural projects where they had the opportunity to express their thoughts about climate crisis to politicians, dream about future solutions, and to search why other people in the society make their voice heard through climate demonstrations. By participating and expressing their thoughts in such activities, my students realized that they could contribute making &amp;#8220;Earth a wonderful planet to live on&amp;#8221;. For examples, a group of them participated in a workshop co-organized by Stockholm University, the Researchers&amp;#8217; Desk, and Lava at Kulturhuset Stadsteatern. The students created textile messages to politicians and decision makers about climate change.In another project, my students have participated in the research project &amp;#8220;Utopian stories&amp;#8221;, a collaboration between the Department of Literary Studies and the Centre of Digital Humanities at the University of Gothenburg and the Bolin Centre for Climate Research at Stockholm University and the Nobel Prize Museum.

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  • 10.1017/sus.2020.25
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