Felicity Hannah explores how climate change is leaving communities 'uninsurable' because of the rising risk of them being hit by extreme weather events.

She speaks to one businessman living in 'Hurricane Alley' in Louisiana, who has seen his premiums rise by $200,000 in just three years, and learns how many residents are now having to run the risk of living without insurance, because the cost is just too high.

In Australia, she speaks to residents resigned to the fact that their hometown is considered too much of a risk for the insurance industry. Instead, the government has bought their homes and they have been forced to leave.

In the UK too, Felicity meets business owners already deemed 'uninsurable' because of the frequency of flooding they have faced. Meanwhile British homeowners relying on a temporary fix that has helped reduce their premiums must hope flood defences are built before time runs out.

Could rising premiums be the canary in the coalmine for taking more decisive action on climate change?

Presenter: Felicity HannahProducer: Nick HollandProduction Coordinator: Gemma AshmanEditor Richard Fenton-SmithSound Design: Graham Puddifoot