Nick Graetz
@ngraetz.bsky.social
Assistant Professor in Sociology at the University of Minnesota studying housing, climate, racism, and population health.
Fellow at @cplusc.bsky.social
https://ncgraetz.com/
Fellow at @cplusc.bsky.social
https://ncgraetz.com/
Working paper with more details on data/methods: osf.io/preprints/so...
OSF
osf.io
August 25, 2025 at 3:34 PM
Working paper with more details on data/methods: osf.io/preprints/so...
Great piece in Bloomberg by @markgongloff.bsky.social discussing all these issues: bsky.app/profile/mark...
Using credit scores to set home-insurance premiums is a standard practice that is making the insurance crisis worse. And there’s an easy, immediate fix: Just stop doing it.
Gift link to my column for @opinion.bloomberg.com
www.bloomberg.com/opinion/arti...
Gift link to my column for @opinion.bloomberg.com
www.bloomberg.com/opinion/arti...
Your Credit Score Shouldn’t Matter in a Natural Disaster
It’s often more expensive to have a low score than to live in an area at high risk of climate catastrophes.
www.bloomberg.com
August 25, 2025 at 3:34 PM
Great piece in Bloomberg by @markgongloff.bsky.social discussing all these issues: bsky.app/profile/mark...
I have a blog up at CCI that goes into why home insurers use credit scores and what this all means for how we are socializing risks, how we are sharing costs, and ultimately who is making these decisions: climatecommunityinstitute.substack.com/p/insurers-c...
Insurers Charge Low Credit Homeowners Twice As Much for the Same Policy
In many cases, a low credit score is more expensive than high disaster risk
climatecommunityinstitute.substack.com
August 25, 2025 at 3:34 PM
I have a blog up at CCI that goes into why home insurers use credit scores and what this all means for how we are socializing risks, how we are sharing costs, and ultimately who is making these decisions: climatecommunityinstitute.substack.com/p/insurers-c...
This has important implications for the notion that prices are effectively signaling disaster risk and can therefore be used to reduce exposure by convincing people to move or not buy in certain areas: credit scores don’t cause disasters.
August 25, 2025 at 3:34 PM
This has important implications for the notion that prices are effectively signaling disaster risk and can therefore be used to reduce exposure by convincing people to move or not buy in certain areas: credit scores don’t cause disasters.
By placing so much focus on credit scores, insurers effectively allow homeowners to compensate for living in high-risk areas by having high credit scores.
August 25, 2025 at 3:34 PM
By placing so much focus on credit scores, insurers effectively allow homeowners to compensate for living in high-risk areas by having high credit scores.
Link to blog: evictionlab.org/eviction-was...
Eviction was a Deadly Risk During the COVID-19 Pandemic
While many groups experienced higher-than-normal rates of death during the pandemic, the excess mortality of renters threatened with eviction was ten times higher than that of the general population.
evictionlab.org
February 20, 2024 at 11:58 PM
Link to blog: evictionlab.org/eviction-was...
Link to JAMA paper: jamanetwork.com/journals/jam...
Excess Mortality Associated With Eviction During the Pandemic
This cohort study of renters who received eviction filings, similar renters who did not, and the general population across the study area compares rates of exce
jamanetwork.com
February 20, 2024 at 11:58 PM
Link to JAMA paper: jamanetwork.com/journals/jam...
As rent burdens hit record highs, we should be considering policies to reduce evictions and guarantee affordable housing as not just housing policy, but as critical health policy: www.nytimes.com/2023/12/11/u...
Record Rent Burdens Batter Low-Income Life
More tenants than ever spend half or more of their income for shelter, leaving less for everything else, taking an emotional toll and leaving some without a place to call their own.
www.nytimes.com
February 20, 2024 at 11:57 PM
As rent burdens hit record highs, we should be considering policies to reduce evictions and guarantee affordable housing as not just housing policy, but as critical health policy: www.nytimes.com/2023/12/11/u...
Last Friday, Rep. Watson Coleman led a letter signed by 47 other members of Congress asking HUD to investigate the disparate impact of eviction among classes protected by the Fair Housing Act: watsoncoleman.house.gov/newsroom/pre...
Rep. Watson Coleman Leads 47 Members of Congress in Letter to HUD Secretary Fudge Requesting Information on Efforts to Reduce Evictions Among Vulnerable Groups
The Official U.S. Congressional website of Bonnie Watson Coleman
watsoncoleman.house.gov
February 20, 2024 at 11:57 PM
Last Friday, Rep. Watson Coleman led a letter signed by 47 other members of Congress asking HUD to investigate the disparate impact of eviction among classes protected by the Fair Housing Act: watsoncoleman.house.gov/newsroom/pre...
As pandemic-era policies expire, we are today at risk of returning to a normal that has meant not only increased economic struggle and precarity for marginalized renters, but also increased risk of premature death.
February 20, 2024 at 11:57 PM
As pandemic-era policies expire, we are today at risk of returning to a normal that has meant not only increased economic struggle and precarity for marginalized renters, but also increased risk of premature death.
Dr. Jack Tsai provided an insightful editorial on our article, theorizing the mechanisms connecting eviction with increased mortality risk and more: jamanetwork.com/journals/jam...
Theorizing Pathways Between Eviction Filings and Increased Mortality Risk
Evictions have become recognized as important social determinants of individual and community health, largely due to the revelatory work of Desmond in the past
jamanetwork.com
February 20, 2024 at 11:57 PM
Dr. Jack Tsai provided an insightful editorial on our article, theorizing the mechanisms connecting eviction with increased mortality risk and more: jamanetwork.com/journals/jam...
This new paper in JAMA adds to this evidence base connecting eviction with increased mortality risk, especially during the first phase of the COVID-19 pandemic.
February 20, 2024 at 11:56 PM
This new paper in JAMA adds to this evidence base connecting eviction with increased mortality risk, especially during the first phase of the COVID-19 pandemic.