Quartz just published a report indicating that American insurance companies are not planning realistically for the future:

Some numbers to keep insurance executives reaching for the Ambien in the dead of the night: Extreme weather driven by climate change cost the US insurance industry $32 billion in 2011. Superstorm Sandy alone led to some $25 billion in insured losses last year, the warmest on record. And today climate scientists released a study showing global temperatures have hit a 4,000-year high.

So one might think the insurance industry would be leading the charge on climate change, given its multitrillion-dollar exposure to property damage resulting from the hurricanes, droughts, wildfires, and other weather-related calamities that are increasing in frequency and intensity as the planet warms.

Not exactly....[a recent] study found that only 23 of the 184 insurers have adopted comprehensive climate change strategies as part of their risk management operations. Of those 23 more forward-looking companies, 13 are foreign-owned.

It's totally okay, though. Those insurance companies are too big to fail. So everything's just fine!