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The nonprofit uses a mixture of public data and algorithmic magic to unleash funds fast.
Whether they’re dealing with fires like the ones ravaging Los Angeles or hurricanes like those that wreaked havoc in Florida and North Carolina just a few months ago, when natural disasters lay waste to homes and towns, what low-income residents often need most is quick cash. That, however, can be difficult to come by. Insurance companies can take months or even years to fully resolve claims. The Federal Emergency Management Agency requires significant documentation before it will offer relief, and often denies victims with no explanation.
The nonprofit GiveDirectly is trying to circumvent all this maddening complexity, working with Google to overlay government data on things like median income and food stamp enrollment with damage data gleaned from satellite imagery and local incident reports to get cash in the hands of those who need it most — quickly. After a disaster, low-income residents in especially hard-hit areas are automatically deemed eligible for aid, no opt-in necessary. They’ll get a notification on their phone that they qualify for a direct cash transfer, and can enroll in a matter of minutes, with no additional documentation required.
“Especially as disasters become more prevalent and more severe, having a way to pre-verify vulnerable populations — to get people resources as quickly as possible — becomes so valuable,” Laura Keen, GiveDirectly’s U.S. program director, told me. As she explained, cash is often more useful than “in kind” donations such as clothing or food, as it allows recipients to prioritize specific needs and reduces barriers associated with government-run disaster programs. “You have to have the means and the know-how and the language abilities to apply for that assistance,” Keen said. Still, over 75% of global humanitarian assistance is in-kind.
GiveDirectly set up its fundraising campaign for L.A. fire victims on January 10, and is thus far over 40% of the way to its $1 million dollar goal. While the fundraiser won’t officially close for another 25 days, Keen said the organization plans to send out its first payments “as soon as next week.” While GiveDirectly has yet to finalize amounts, it estimates that recipients will get on the order of $3,000 to $4,000 — significantly more than the nonprofit gave to victims of Hurricane Ian in 2022 or Hurricanes Helene and Milton last year. That’s because with these fires, “the damage has been so severe, and we expect people are going to be facing temporary housing costs for a matter of months,” Keen explained. For a campaign like this, Keen said she expects about 88 cents out of every dollar donated to go directly to affected individuals and families, the same efficiency rate as the organization’s Helene and Milton campaign. That remaining 12 cents will go towards transaction fees, offices, and staff.
If these rapid payouts remind you of parametric insurance, you’re on the right track. Parametric insurance also exists to get cash quickly into the hands of those who have experienced disaster, without the need for damage audits. But as is implied by the word “insurance,” it is also an opt-in service that involves the payment of monthly premiums. GiveDirectly’s cash comes out of the blue, free and clear.
To get the actual money out the door, GiveDirectly works with Propel, an app for low-income households to manage government benefits such as SNAP food stamps. GiveDirectly tells Propel what areas its mapping tool has honed in on, and Propel sends out an alert to users in these zones, notifying them that they’re eligible to receive money. Individuals then complete a brief survey confirming their contact information, preferred language, and signing some consent notices.
“The last response that we did in western North Carolina and in Florida last fall, it took them, on average, 68 seconds to complete that enrollment form,” Keen told me. The last time she looked at the data, there were about 2,300 households using Propel in the impacted areas of L.A., a number that’s only growing as the largest fires remain uncontained. Once people enroll, they can expect to receive money directly to their debit accounts within three days.
While quick and simple, this strategy is far from comprehensive. Only about one in four households that receive SNAP benefits has the Propel app. And those that do may not open it regularly, meaning they could miss the alert that they qualify for cash. For Propel users who see the notification, Keen said, enrollment is above 80%, while overall user enrollment is much lower — around 40%. “But typically, we have more Propel users than we have funds,” Keen explained. Basically, it wouldn’t actually be possible to give the target amounts to everyone who meets the criteria. Rather, the strategy is to get money out as quickly as possible, knowing full well there'll be many who are missed. Plus, relying on Propel makes the whole system safe from fraud (something GiveDirectly has dealt with in the past), as Propel users have already verified their eligibility for government benefits. “So we just have very high confidence in who we're supporting,” Keen told me.
Domestic disaster relief was not initially on the agenda for GiveDirectly, which was started in 2008 by a group of econ grad students at Harvard and MIT as a way to get money into the hands of some of the poorest people in the developing world. Since the organization began accepting public donations in 2011, it’s mostly retained this international focus, making its first foray into domestic cash transfers in 2017, when it provided physical debit cards to victims of Hurricane Harvey in Texas.
“At that time, we had pretty rudimentary targeting,” Keen told me. “We would just drive to different areas, talk with as many people as we could, visually look for signs of damage, try to source any open source information where we could, and then overlay that with administrative data.” Since then, the company has integrated artificial intelligence into its hurricane relief efforts, training algorithms to generate damage assessments for thousands or even millions of structures. But fire damage is much more uniform (if a house burns, it’s usually 100% destroyed) and easy to identify from satellite imagery alone, Keen explained.
If GiveDirectly exceeds its fundraising target in L.A., however, it may run out of eligible residents who are reachable via the Propel app, meaning the organization will need to go back to basics: establish an in-person presence in the city., enroll people onsite, and hand out debit cards once more. “Right now our goal is to get to $1 million, and then all of that we can deliver via Propel,” Keen told me. “But if we exceed that, we would definitely explore other options.”
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On rumors from fossil fuel insiders, the LA wind forecast, and Davos
Current conditions: Severe thunderstorms brought transportation chaos to Sydney and left 120,000 homes without power • Greece may resort to filling hotel pools with seawater instead of fresh water due to extreme drought • A clipper storm will bring some snow to the Great Lakes and parts of Appalachia today and tomorrow.
Winds in fire-ravaged Los Angeles were weaker than expected yesterday, but are forecast to pick up again today as firefighters continue to battle ongoing blazes. The National Weather Service issued another “particularly dangerous situation” warning indicating extreme red flag fire weather in large parts of LA until 3 p.m. Wednesday. The Palisades fire is just 18% contained, and the Eaton fire is 35% contained. Some 88,000 people are under evacuation orders, and the death toll has reached 25. Conditions are expected to ease tomorrow, but another round of Santa Ana winds could emerge next week, the NWS said.
National Weather Service
Lobbyists for the oil and gas industry widely believe President-elect Donald Trump will issue a suite of executive orders targeting energy policy shortly after his inauguration. According toThe Wall Street Journal, Trump is expected to “instruct agencies to begin unwinding President Biden’s limits on drilling offshore and on federal land.” Other moves to watch for include:
Trump’s team has apparently discussed his plans with energy industry insiders, but these are not set in stone. “Energy clearly was on the ballot, and we’re going to make the case that energy won,” Mike Sommers, president of the American Petroleum Institute, told the Journal.
President-elect Trump’s pick to lead the Department of Energy, Chris Wright, is scheduled for his Senate confirmation hearing today at 10 a.m. EST. He will face questions from the Senate Energy and Natural Resources Committee. Democrats had asked the panel’s chairman, Republican Sen. Mike Lee, to postpone the hearing due to missing paperwork from the Office of Government Ethics that includes financial disclosures. Lee postponed the hearing for Trump’s pick for interior secretary, Doug Burgum, for a similar reason. Wright is currently the CEO for fracking powerhouse Liberty Energy. The Sierra Club called him a “climate denier who has profited off of polluting our communities and endangering our health and future.”
The World Economic Forum put out its annual report of global risks ahead of next week’s summit in Davos. Extreme weather events, which were at the top of the list last year, moved down a notch into the second position, below armed conflict. Twenty-three percent of the 900 or so expert respondents ranked state-based armed conflict as the number one risk facing the globe in 2025, whereas 14% chose extreme weather events:
WEF
Last year, 66% of respondents ranked extreme weather as the top risk, and 53% chose AI-generated misinformation. Looking ahead over the next 10 years, the climate crisis looms very large: Experts ranked extreme weather events, biodiversity loss and ecosystem collapse, critical change to Earth systems, and natural resource shortages as the top risks facing the globe through 2035. The World Economic Forum’s annual meeting runs from January 20 - 25. President-elect Trump is expected to give a virtual address on the 23rd.
A group of more than 150 Nobel laureates composed an open letter calling on governments to support the development of “moonshot” innovations to avert a looming hunger crisis. The letter warns some 700 million people are already going hungry, and the problem will only worsen as the population grows. The global food shortage has many causes, but the letter cites climate change as a major challenge and calls for “planet-friendly” technologies to boost food production. “We know that agricultural research and innovation can be a powerful lever, not only for food and nutrition security, but also improved health, livelihoods, and economic development,” said Cary Fowler, joint 2024 World Food Prize Laureate and outgoing U.S. Special Envoy for Global Food Security. “We need to channel our best scientific efforts into reversing our current trajectory, or today’s crisis will become tomorrow’s catastrophe.”
Global EV sales were up by 25% last year compared to 2023, according to research group Rho Motion. In the U.S. and Canada, sales rose by 9%, compared to a 40% jump in China.
Rob and Jesse go deep on the universe’s smallest molecule.
Hydrogen. What are you even supposed to think about it? If you’ve spent serious time focusing on climate policy, you’ve heard the hype about hydrogen — about the miraculous things that it might do to eliminate carbon pollution from cars, power plants, steel mills, or more. You’ve also seen that hype fizzle out — even as governments have poured billions of dollars into making it work.
On this week’s episode of Shift Key, Rob and Jesse give you a rough guide for how to think about clean hydrogen, which could help decarbonize the industrial — even the molecular — side of the economy by storing energy and helping to make clean steel and chemicals. Do we really need hydrogen to fight climate change? Where would it be useful? And why has it failed to take off in the past? What will Trump and China mean for global hydrogen policy? Shift Key is hosted by Robinson Meyer, the founding executive editor of Heatmap, and Jesse Jenkins, a professor of energy systems engineering at Princeton University.
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Here is an excerpt from our conversation:
Jesse Jenkins: This is the next crazy thing that I think is just starting to kind of bubble up to the public awareness: Basically, hydrogen itself is not a climate forcer. It doesn’t warm the planet the way methane or [hydrofluorocarbons] or CO2 does. But it does react in the atmosphere in ways that increase the concentration of greenhouse gases.
Robinson Meyer: I think specifically that right now, we talk about when methane leaks into the atmosphere. And it may apply to other greenhouse gases, too, but the big one that you tend to hear about is that when methane leaks into the atmosphere from natural gas — and of course, we’re very worried about methane leaks. Because the thing about methane is that it traps a lot of heat, but it breaks down really quickly, right? So it tends to break down, unlike carbon dioxide, which, when you release it into the atmosphere. sticks around for millennia. When you release it into the atmosphere, it captures a lot of heat, but then breaks down into a smaller amount of CO2 after about 20 years.
The issue, and why it breaks down, that — we never talk about this, or we had no need to talk about this until hydrogen — and it’s crazy because the world is a closed system, or a largely closed system, right? Why it breaks down is it reacts with the free hydroxyl radicals floating around in the atmosphere.
Jenkins: Right, OH molecules.
Meyer: Well, what else reacts with OH molecules? Hydrogen. And so if we leak too much industrially produced hydrogen into the atmosphere, it could mess with the rate of breakdown of all methane in the global atmosphere, and thus increase the global warming potential of natural gas.
Jenkins: It makes the methane last, traps more heat, yeah. So let the record show that Robinson Meyer, the journalist, accurately captured the atmospheric chemistry of this process better than Jesse Jenkins, professor at Princeton. Nicely done.
This episode of Shift Key is sponsored by …
Intersolar & Energy Storage North America is the premier U.S.-based conference and trade show focused on solar, energy storage, and EV charging infrastructure. To learn more, visit intersolar.us.
Music for Shift Key is by Adam Kromelow.
California passed a new fire safety law more than four years ago. It still isn’t in force.
For more than four years, California has had a law on the books meant to protect homes and buildings during an urban firestorm like the Palisade and Eaton fires. But it’s never gone into effect.
In theory, the policy was simple. It directed state officials to develop new rules for buildings in areas with high fire risk, which would govern what people were allowed to put within the five-foot perimeter immediately surrounding their homes. A large body of evidence shows that clearing this area, known in the fire mitigation world as “zone zero,” of combustible materials can be the difference between a building that alights during a wildfire and one that can weather the blaze.
The new rules — essentially just a list of items allowed in that five-foot zone — were due two years ago, by January 1, 2023. But the California Natural Resources Agency, which is drafting the rules for the State Board of Forestry and Fire Protection to consider, has yet to even present a proposal. Ask anyone who’s been following this thread what’s taking so long, and they’ll almost certainly point to one thing: politics.
“There’s a ton of science about what to do, but the science has run into challenges with social acceptance, and therefore political acceptance,” Michael Wara, director of Stanford University’s Climate and Energy Policy Program, told me. People do not want to be told how they can or can’t landscape or furnish or otherwise adorn the outside of their homes. Inevitably, when the rules do come out, you’ll hear about Gavin Newsom coming to take away people’s decks and policing gardens.
No one thinks that zone zero rules, if enacted and adhered to, could have prevented fires in the Pacific Palisades or Altadena or saved every structure in the recent fires’ path. But alongside other fire mitigation strategies, zone zero design can significantly lower the chances of a given building burning, and therefore the chances that a fire will spread to neighboring buildings, and ultimately reduce the risk of fires becoming compounding, devastating disasters. Wara likened it to car safety rules like seatbelts and airbags — people still die in car accidents, but far fewer than would otherwise.
The question now is whether the record-breaking destruction in Los Angeles will be enough to convince people that zone zero rules are effective and worthwhile. Past experience shows the answer is not an obvious yes.
There are three ways buildings ignite during a wildfire, Yana Valachovic, a forest scientist with the University of California Agriculture and Natural Resources Fire Network who specializes in community resilience and the built environment, told me. They are either exposed to burning embers, direct flames, or radiant heat, though most often a combination.
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Embers — hot, hard debris of burned material from a fire — can be carried miles away from their origin by the wind and create new spot fires next to homes. “What happens with those embers is they get thrown at the building, they hit the walls, the siding, and then drop to the base and collect at the base,” Valachovic said, “so you can have not just one, but thousands of embers at the base of our structures.”
Embers can also penetrate buildings through open windows and ventilation systems. If radiant heat from nearby burning structures causes windows to shatter or fall out, that can also create new vectors for embers to enter the home. “Embers find their way,” Valachovic said.
Fire mitigation experts promote two strategies for reducing vulnerability, and they go hand in hand. The first is home hardening, which could mean building with fire-resistant materials but also includes smaller but effective actions like covering air vents with fine mesh screens and sealing gaps to try to block embers. The second is creating so-called “defensible space,” or a buffer around the building, where any vegetation is carefully selected and managed to slow the spread of fire to and from the building. California divides defensible space into three different zones: Zone one extends from 5 feet away from the structure to 30 feet, and zone two goes out to 100 feet away. Then, of course, there’s zone zero.
The state has had regulations on the books to require at least 30 feet of defensible space in high-risk areas since 1965, and it updated the standards to establish a two-zone system in 2006. In both cases, the rules were “really framed around, how do you interrupt flames running at the building?” said Valachovic. The regulations included thinning trees and removing lower branches, clearing some trees that were closer to homes, clearing dead wood and litter, and pruning branches that hang over buildings. But they still allowed for vegetation right up against the house.
Since then, wildfire post-mortems have found that this scenario of flames burning a path to a building is not a primary driver of structure loss. “It was missing the point,” Valachovic told me of the previous rule structure. “What we’ve seen now for the last decade is that embers are really driving our home loss issue, and so we’re basically allowing all this vegetation and combustible material to be present in the zone that is really very vulnerable.”
In August 2020, after Governor Gavin Newsom declared a state of emergency in California due to an explosion of wildfires, the state legislature passed AB 3074, which finally sought to bridge the gap by creating a new, “ember-resistant zone” — zone zero. Had the rules been implemented under the timeline mandated by the law, new homes would have had to comply beginning in 2023, and existing homes would have had to comply beginning in 2024. Like the earlier defensible space rules, they would have applied to homes located in parts of the state designated as Fire Hazard Severity Zones. These are generally areas that you might think of as the “wildland-urban interface,” where homes abut wildland vegetation like forests or scrublands, but others extend into more urban areas. Almost all of the burned area in the Pacific Palisades, for instance, would have been subject to the rules, while only a small portion of the homes in Altadena are in the zone.
When I reached out to the California Natural Resources Agency to ask if there was an updated timeline for the regulations, one of the first things that Tony Andersen, the Deputy Secretary for Communications, told me, was not about the timeline but about the ultimate cost of compliance.
“We recognize there are costs associated with doing this work around homes and structures,” Andersen told me via email, “and we are focused on identifying options for financial assistance as well as education and outreach to help owners prepare and prioritize mitigations.” He then noted that the rulemaking was a “complex process” that the agency wanted to get right, and said it aimed to present a draft proposal to the Board “as soon as is feasible, most likely in the coming months.”
Andersen’s response illustrates one of several tensions that have made it difficult to write the zone zero rules — and will ultimately make them difficult to implement. If the rules say you can’t have a wooden deck, for example, or you can’t have a fence that touches the building, homeowners could face costly retrofits. And despite witnessing the horror of destructive wildfires, many homeowners don’t want to switch their wooden fence for a metal one, or replace their bushes with gravel.
Five feet might sound like a negligible amount of space, but people are attached to the aesthetics of this zone. Homeowners have become used to “softening” the line where the walls meet the ground by filling it in with vegetation, Valachovic told me. “We really developed this idea that we don’t visually want to see our foundations,” she said. “From a fire defense perspective, this idea that we have combustible material basically ringing our houses and our structures, that is problematic.”
Several people I interviewed for this story asked if I had seen a documentary about the aftermath of the 2018 Camp Fire in Paradise, California called Bring Your Own Brigade. The film captures a series of city council meetings in 2019, when officials were considering updating local building standards. They weigh a number of ideas that would reduce the risk of embers collecting on top of, inside, or next to homes, including eliminating gutters and requiring roof overhangs and a five-foot setback for any combustible material.
At the time, the Camp Fire was the deadliest and most destructive wildfire in state history, killing 85 people, displacing more than 50,000, and destroying more than 18,000 structures. But during a public hearing, community members lashed out at the potential cost, warned that new standards would prevent displaced residents from moving back, and decried the aesthetic implications.
“Paradise is an individualistic town,” one person says. “That’s part of the charm and the quirkiness. We don’t need consistency and uniformity.”
In another scene, a city councilmember asks Paradise Fire Chief John Messina to narrow down the list to just one rule that would make the community more fire resistant. “That five-foot barrier around your house is extremely important,” he replies. “That would be the No. 1 thing out of all of this that I would say would defend your home the best and have the most impact.” Shortly after, the council votes down the measure.
Michael Wara, who recalled the scene to me over the phone, said a similar thing happened when the fire chief in his community in Mill Valley tried to get the city council to adopt zone zero rules. “The word got out in the community that this crazy fire chief was going to make us rip up our front yards,” he said. When the council convened for a vote, more than a thousand people showed up to oppose it. The council ended up passing it as a voluntary measure.
To Wara, part of the problem is the language used to communicate these ideas with the public. “Zone zero” and “hardening” conjure a bunker mentality, he said. “I do not want my family to live in a bunker that is hardened to attack. I want my family to live in a home that is welcoming.”
He also thinks the state can reach a compromise, like allowing succulents and other fire-resistant greenery in zone zero. The rules don’t have to turn these areas into gravel and concrete wastelands to be effective.
Courtesy of the Los Angeles County Fire Department
The Los Angeles County Fire Department recently included photos in a notice to homeowners about defensible space rules and the upcoming zone zero regulations that illustrate how landscapes might strike that balance. The images feature stone walkways immediately next to homes, followed by raised beds made of metal and concrete containing attractive landscaping. Not quite “quirky” and “charming,” but far from a barren dystopia.
Despite the delay in implementing zone zero, California has tried to pitch it as part of a strategy to solve the state’s insurance crisis. In 2022, Insurance Commissioner Ricardo Lara enacted new rules requiring insurance companies to provide discounts to homeowners who do home hardening retrofits and create defensible space.
“That’s terrific,” Dave Jones, the director of the Climate Risk Initiative at the University of California, Berkeley, and Lara’s predecessor as insurance commissioner, told me. “But you don’t get the discount if they won’t write you the insurance.”
Jones said the bigger issue is that the models insurance companies use to decide whether or not to write a policy do not account for fire mitigation efforts. A homeowner could take every action on the list for home hardening, create a zone zero, live in a community that’s investing in aggressive fuels reduction, and so on, and insurance companies could still deny them coverage. Last year, Jones wrote a bill that would have required companies to change the models they use to determine coverage to account for mitigation. Several insurance industry trade groups opposed the bill, arguing that it was “premature and impossible to implement given the real-world data constraints,” and that it was “inconsistent” with the state’s efforts to “restore a healthy and competitive insurance market.” It didn’t pass.
If following zone zero guidelines meant having a shot at getting insurance, maybe people would be more open to doing it, Jones argued to me. But as things stand, that’s not the case. “I don’t think the failure is so much in the state developing the standards as it is in the lack of political courage to stand up to the insurance industry and say, hey, look, enough is enough. We’re going to pass a law to require your models to account for this.”
This past year, the California legislature passed a law giving existing homes three years, instead of just one, to comply with zone zero rules once they are finalized, whenever that is. And if the regulations are finalized this year, it’s possible that some of the rebuilt structures in the Pacific Palisades and Altadena will have to meet them.
Ultimately, Valachovic sees hope in fire mitigation work. The narrative that climate change is driving these destructive wildfires can make people feel helpless. But there are so many low-cost, simple things people can do to reduce their exposure. “I just feel like we have a moral imperative to share practical, reasonable actions that people can take to make a difference, and to know that with that, the odds improve substantially.”