I would think insurance would be among the least of worries?

And the western US with their fires? Or the southern east coast that also gets hit with hurricanes? How about the increased flooding in the midwest? New construction size has increased across the US too. It's not a single zone.

First, insurance companies should be the last thing we consider when setting policy, this is propaganda for them trying to protect their racket, not anything more telling.

Second, governments and private companies should be looking at (socializing) mitigations that will keep risk within tolerable levels (without caring whether some legacy insurer continues to be able to gouge cusotmers). If there's a clear and identifiable threat, we can build dikes or sea walls or spillways or whatever it is that can alleviate the issue. "Think of the insurance implications" is a silly distraction.

Krugman is great if you want confirmation of your left-side ideas.

But he’s terrible if you want criticisms of left-side ideas, or if you want to hear about right-side policies that are working well.

To me, that’s of very limited utility.