A new study and a string of recent financial and industry reports suggest Florida's already deep property insurance problems could get even worse for Florida and other states like California and Louisiana hammered by natural disasters like wildfires, floods and hurricanes.

Though an obscure little creature, the crayfish is also a potentially important indicator of climate change threats.

Thousands of residents of this barrier island remain displaced a year after the costliest hurricane in state history.

Residents of Progress Village are going solar as part of a microgrid project for residents there. We speak to the leaders behind this initiative.

New research suggests the problem traces to a historical federal program that was turned against those who needed it most, through a practice known as redlining.

"In the last four years, we've seen TECO rates go up 62%. And folks, income has not gone up at 62% at the same time, so that energy burden continues to increase,” said Brooke Ward with Food and Water Watch.

“Outside of an hour and a half before sunset, nobody wants to sit there for more than five or 10 minutes even though we have this invaluable view of the ocean.”

“It’s amazing how a few degrees makes such a huge difference.”

After a record hot summer, warmer waters in the Gulf of Mexico fueled the intensity of Hurricane Idalia.

Experts say they are observing “thousands upon thousands” of miles of reefs undergoing bleaching due to heat stress caused by record high ocean temperatures.

"Communities just need to... integrate these hazards into their existing plans... that opens up then a wider stream of funding for them to build longer term results," said Christopher Uejio of FSU.

"To solve the problem of flooding and climate-related disasters, and make community resilient, we need to figure it out how to connect the people with the decision maker," said USF's Barnali Dixon.