It is naïve to think that climate-related disaster won't affect Utah. Utah taxpayers and homeowners should care about the mounting costs of fighting fires and mitigating floods resulting from climate change. Utahns will indirectly help pay for Southeast fires because massive amounts of federal dollars have already been spent and will continue to pour into recovery for the affected states. As most property owners are insured by companies that do business across the country, rates in Utah will go up to compensate for the losses incurred paying claims in other states.