ST. HELENA, Calif. — Last September, a wildfire tore through one of Dario Sattui’s Napa Valley wineries, destroying millions of dollars in property and equipment, along with 9,000 cases of wine.
November brought a second disaster: Mr. Sattui realized the precious crop of cabernet grapes that survived the fire had been ruined by the smoke. There would be no 2020 vintage.
A freakishly dry winter led to a third calamity:
The 17,351-acre Powderhorn Ranch in Calhoun County, one of the few remaining large tracts of intact native coastal prairie and wetlands on the Texas coast. Photo © Jerod Foster for The Nature Conservancy
Standing in front of 200 insurance industry professionals felt strange, but “cool” to Siddharth Narayan. A coastal engineer studying natural coastal protections, such as wetlands and mangroves, he never expected to present his research to a packed