maths problem solving games year 3

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National Curriculum In England: Mathematics Programmes Of Study

The third grade is the start of multiplication, mixed fractions, and more complex number properties. As the math skills start becoming more complicated, students may need some extra help to truly grasp the concepts. Our teachers help fill the gaps in learning and offer their best tips in figuring out  

• Students learn about angles, multiplication rules, measurements, and other third-grade math skills.
• On-demand videos for math skills by teachers who specialize in teaching math to younger students.
• Learn and master the fundamentals of algebra to prepare for more complex concepts in the next grade.

50 year 3 maths questions

Practise your maths skills with these 50 math questions for year 3 , covering addition, subtraction, place value, measurement, time, money, and geometry! Answers included.

Author Michelle Griczika

Published February 2024

• Key takeaways
• Mastering addition and subtraction skills helps us solve mathematical puzzles and apply them to real-life situations.
• Understanding place value enables us to correctly read, write, and compare numbers, developing our number sense and mathematical reasoning.
• Solving measurement word problems helps us apply mathematical concepts to practical scenarios, improving our problem-solving and critical thinking abilities.
• Exploring time and money concepts allows us to understand the world around us, manage our daily routines effectively, and develop essential life skills.
• Recognising shapes and their properties opens our eyes to the diverse world of geometry, helping us understand how objects are structured and enhancing our spatial awareness.

Table of contents

• Addition & subtraction
• Place value
• Measurement
• Time & money

Hello, year 3 mathematicians! Are you ready for some mind-boggling maths challenges?

We will be going over important maths skills needed to strengthen understanding of important mathematical concepts. Let’s dive in!

Section 1: Addition and subtraction

Section 2: place value.

Use the greater than symbol >, less than symbol <, or equal to symbol = to answer.

Answer: <

Answer: >

Section 3: Measurement

Answer: 53 centimetres

Answer: 38 centimetres

Answer: 32 centimetres

Answer: 35 centimetres

Answer: 55 centimetres

Answer: 68 centimetres

Answer: 84 centimetres

Answer: 40 centimetres

Answer: 50 centimetres

Section 4: Time & Money

Look at the analog clock and write the time to the nearest five minutes:

What time is shown on the digital clock?

Answer: £4.34

Answer: £5.08

Answer: 25 pence

Answer: £3.50

Answer: £4.37

Section 5: Geometry

Answer: Triangle

Answer: Square

Answer: Pentagon

Answer: Hexagon

Answer: Equilateral Triangle

Answer: Trapezoid

Answer: Cube

Maths practice for year 3 is super important because we use it every single day! For extra maths practice that comes in the form of fun maths games and interactive practice problems, try Doodle Learning’s maths help app .

Lesson credits

Michelle Griczika

Michelle Griczika is a seasoned educator and experienced freelance writer. Her years teaching coupled with her double certification in early childhood education lend depth to her understanding of diverse learning stages. Michelle enjoys running in her free time and undertaking home projects.

Parents, sign up for a DoodleMaths subscription and see your child become a maths wizard!

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Reasoning/Problem Solving Maths Worksheets for Year 3 (age 7-8)

Money problems and challenges.

A variety of problem solving activities involving money.

50p to spend, but can you make sure you get the correct change?

Watch out when writing pence as pounds and remember to always have two digits after the decimal point.

The hardest part of these money problems is to read the question and work out what to do.

Put three items in your basket that you would like to buy and then use the money cards to work out the sum.

Solve money problems using the information provided.

Solve money problems at the skating rink.

Plenty of monkey business here!

It's a trip to the zoo to find the very best value.

Some tricky money problems to solve.

More tricky money problems to solve.

Finding different amounts from a given set of coins.

Number and calculating problems

Solve number problems and calculating using addition, subtraction, multiplication and division.

Find the 2-digit numbers that can be made using these digit cards.

Make 2-digit numbers and find the smallest and largest numbers.

More on finding 2-digit numbers from three digit cards.

Tricky little problems involving monsters' legs.

Use logic, addition and subtraction to find out how many strawberries are eaten.

Bar Model: addition and subtraction facts.

Use bar models to add and subtract.

Encourage children to make addition and subtraction come to life by writing short number stories.

What numbers can you make with digit cards?

What are the largest and smallest numbers that can be made with 3 cards?

More number stories to write: this time all about multiplication and division.

All the numbers are here, but the signs are missing! Can you work out what the signs should be?

Investigating odd and even numbers and what happens when you add them together.

Use knowledge of place value to find all possible answers.

Finding the numbers and missing digits to make number sentences correct.

Investigate statements involving odd and even numbers.

Investigate statements about multiplication and times tables.

I?m good at thinking of numbers, but can you work out what number I am thinking about ? I do give a clue!

Work out the missing value using division and addition.

Use reasoning to find the missing values.

More on finding the missing values - an early introduction to algebra.

Use division and addition to find the missing values.

Find the missing values from the information given.

More on finding the value using reasoning.

Real life and word problems

A selection of real life problems and word problems.

Tricky word problems.

More tricky word problems.

Tricky questions, but you only have to carry out one maths step to answer them.

Even trickier questions, and you have to carry out at least two steps to work them out!

More word problems, from the library to shopping and on to flying around the world.

Here we have four pages of questions all on time, including a trip to Alicante!

Solving tricky fraction problems.

More challenges and activities

A great selection of activities requiring logical thinking.

Investigation looking at possibilities when adding the digits from 1 to 5.

This time you can decide the total for the sides of the triangle.

Can you put the numbers 1 to 9 in the diagram so that the difference between each pair of joined numbers is odd?

This challenge is to find as many ways as possible of making 12 using three number cards and the add, subtract and multiply signs.

A development of the 'Caterpillar investigation' but using multiples of 10. Great for practising addition.

3 dinosaurs laid some eggs. They laid 19 altogether. How many did they each lay?

How many ways can three runners cover a distance of 19 miles? They all have to run an odd number of miles.

A book challenge here. How accurately can you guess the number of pages in books?

2D card shapes and a 3 x 3 pinboard are useful for these shape activities.

A calculator is needed to find how many different answers can be made from the numbers given. Good for working in an organised, logical way.

A brief summary of some of the most important maths concepts to be taught in Year 3 by way of challenges and investigations.

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Problem-solving maths investigations for year 3.

Hamilton provide an extensive suite of problem-solving maths investigations for Year 3 to facilitate mathematical confidence, investigative inquiry and the development of maths meta skills in 'low floor – high ceiling' activities for all.

Explore all our in-depth problem solving investigations for Year 3 .

Use problem-solving investigations within every unit to encourage children to develop and exercise their ability to reason mathematically and think creatively.

Investigations provide challenges that offer opportunities for the development of the key mathematical skills while deepening conceptual understanding. They are designed to be accessible in different ways to all children. An added bonus is the substantial amount of extra calculation practice they often incorporate! The problems are designed to help children identify patterns, to explore lines of thinking and to reason and communicate about properties of numbers, shapes and measures.

Hamilton provide a mix of our own specially commissioned investigations, that include guidance for teachers together with a child-friendly sheet to guide your pupils through the investigation, as well as links to investigations on other highly regarded websites.

I am very grateful for Hamilton Trust resources, particularly the maths investigations. Julia, teacher in Wiltshire

You can find Hamilton's investigations for Year 3:

• Individually, they are incorporated into every unit in our Year 3 flexible maths blocks .
• Collectively, they appear on our resources page where you can explore all our in-depth problem solving investigations for Year 3 .

Do read our extensive range of advice for more information about the investigations and for tips on how to use them effectively.

Hamilton’s problem-solving investigations are 'low floor, high ceiling' activities that give all children opportunities to develop mastery and mathematical meta-skills. Explore a set for a whole year group.

Hamilton’s Problem-solving Investigations provide school-wide solutions to the challenges of building investigative skills from Early Years to Year 6.

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Year 3 Money Challenges Solving Money Problems

Welcome to our Year 3 Money Challenges page. Here you will find our selection of printable money problem worksheets to help your child learn to use their money skills to solve a range of problems.

These challenges are a great resource as an extension for more able pupils, or to consolidate and extend learning.

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Year 3 Money Learning

Knowing how to handle and calculate with money is a very important life-skill.

During Year 3, children build on their knowledge and skills they have achieved during Year 2.

By the time children reach the end of Year 3, they should be able to:-

• use decimal notation for amounts of money, e.g. £3.27
• change amounts in £ to amounts in pence and back;
• count money up to £10;
• calculate change for amounts of money up to £1 mentally;
• solve simple problems involving money;
• use informal methods to add and subtract money amounts in £ and pence.

Our worksheets will support your child with these objectives.

Year 3 Money Challenges Information

The following worksheets involve solving challenges involving money amounts. They are a great way to consolidate and extend money learning once children are confident with counting money amounts.

The challenges start off at a fairly easy level with problems that involve lower value coins and smaller money amounts. The challenges later on involve more complex problems with larger values to calculate.

If you are teaching a class or group of children, then these sheets should give you some great differentiated learning activities with a money theme.

An answer sheet is available for each challenge provided.

The money challenges in each section are carefully graded, allowing you to introduce concepts at an easier level before introducing harder work, or differentiate within your class.

Using the sheets in this section will help your child to:

• count money in coins up to £1;
• develop their reasoning and thinking skills;
• solve problems involving money.

All the money worksheets in this section will help your child to become more confident with money, and develop better problem solving skills.

Year 3 Money Challenges Worksheets

There are 3 challenges - Tyger's Money Square Challenge, Row of Coins Challenge and How Much Money Challenge.

Each main challenge has several versions which start with the easiest level and progress onto harder levels of challenge.

Row of Coins Challenges

• Row of Coins Challenge 1
• PDF version
• Row of Coins Challenge 2
• Row of Coins Challenge 3
• Row of Coins Challenge 4

Tyger's Money Square Challenges

• Tyger's Money Square Challenge 1
• Tyger's Money Square Challenge 2
• Tyger's Money Square Challenge 3
• Tyger's Money Square Challenge 4

How Much Money Challenges

• How Much Money Challenge 1
• How Much Money Challenge 2
• How Much Money Challenge 3

Extension Activity Ideas

If you are looking for a way to extend learning with the How Much Money challenge, why not...

Try playing 'How Much Money' in pairs.

One person chooses 2 or 3 coins and the other person has to ask questions which involve 'yes' or 'no' answers.

To make the game more interesting, have a maximum of 5 questions before you make a guess!

Looking for some more UK money worksheets?

We also have some counting money worksheets with amounts up to £1 or £5.

The sheets are at a more basic level than those on this page.

• Free UK Money Worksheets Coins up to £1
• Year 3 Money Worksheets Coins up to £5
• Year 4 Money Challenges

More Recommended Math Worksheets

Take a look at some more of our worksheets similar to these.

Money Riddles

These puzzles are a great money starter activity to get children thinking and puzzling out which the correct answer is out of a set number of choices. They are great for partner work too.

UK Money Riddles

If you are looking for some fun learning puzzles involving money, then look no further.

The puzzle sheets in this section are designed primarily for children in Years 3 and 4 who need to develop their problem solving skills and mathematical language.

Using these challenges will help your child to:

• apply their existing skills to puzzle out clues;
• understand money terminology;
• develop their thinking skills.
• Money Riddles for Kids (UK coins)

Money Column Addition Worksheets

Here you will find a selection of Column Addition Money sheets designed to help your child add different amounts of money.

Using these sheets will help your child to:

• add up a range of money amounts involving decimals.

The worksheets in this section are aimed at children in Years 4 and 5.

• Column Addition Money Worksheets (UK)

Money Column Subtraction Worksheets

Here you will find a selection of Column Subtraction Money sheets designed to help your child subtract different amounts of money.

• subtract a range of money amounts involving decimals.
• Column Subtraction Money Worksheets (UK)
• Counting Money Games

Here is our collection of counting money games for kids.

All of these games are suitable for kids aged from 1st grade and upwards.

Playing games is a great way to practice math skills in a fun way. Games also help to develop reasoning, thinking and memory.

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Resources tagged with: NC Yr 3

There are 67 NRICH Mathematical resources connected to NC Yr 3 , you may find related items under NC .

Class 5's Names

Class 5 were looking at the first letter of each of their names. They created different charts to show this information. Can you work out which member of the class was away on that day?

Fifteen Cards

Can you use the information to find out which cards I have used?

The Time Is ...

Can you put these mixed-up times in order? You could arrange them in a circle.

Journeys in Numberland

Tom and Ben visited Numberland. Use the maps to work out the number of points each of their routes scores.

The Car That Passes

What statements can you make about the car that passes the school gates at 11am on Monday? How will you come up with statements and test your ideas?

This cube has ink on each face which leaves marks on paper as it is rolled. Can you work out what is on each face and the route it has taken?

Triple Cubes

This challenge involves eight three-cube models made from interlocking cubes. Investigate different ways of putting the models together then compare your constructions.

Follow the Numbers

What happens when you add the digits of a number then multiply the result by 2 and you keep doing this? You could try for different numbers and different rules.

Stick Images

This task requires learners to explain and help others, asking and answering questions.

Arranging Cubes

A task which depends on members of the group working collaboratively to reach a single goal.

Planning a School Trip

You are organising a school trip and you need to write a letter to parents to let them know about the day. Use the cards to gather all the information you need.

Fraction Match

A task which depends on members of the group noticing the needs of others and responding.

Number Match

How Do You Do It?

This group activity will encourage you to share calculation strategies and to think about which strategy might be the most efficient.

Strike it Out

Use your addition and subtraction skills, combined with some strategic thinking, to beat your partner at this game.

Coded Hundred Square

This 100 square jigsaw is written in code. It starts with 1 and ends with 100. Can you build it up?

Can you put the numbers 1-5 in the V shape so that both 'arms' have the same total?

A group of children are using measuring cylinders but they lose the labels. Can you help relabel them?

What Do You Need?

Four of these clues are needed to find the chosen number on this grid and four are true but do nothing to help in finding the number. Can you sort out the clues and find the number?

How Much Did it Cost?

Use your logical-thinking skills to deduce how much Dan's crisps and ice-cream cost altogether.

Overlapping Again

What shape is the overlap when you slide one of these shapes half way across another? Can you picture it in your head? Use the interactivity to check your visualisation.

What's in the Box?

This big box multiplies anything that goes inside it by the same number. If you know the numbers that come out, what multiplication might be going on in the box?

Music to My Ears

Can you predict when you'll be clapping and when you'll be clicking if you start this rhythm? How about when a friend begins a new rhythm at the same time?

Real Statistics

Have a look at this table of how children travel to school. How does it compare with children in your class?

These clocks have only one hand, but can you work out what time they are showing from the information?

Board Block Challenge

Choose the size of your pegboard and the shapes you can make. Can you work out the strategies needed to block your opponent?

Number Differences

Place the numbers from 1 to 9 in the squares below so that the difference between joined squares is odd. How many different ways can you do this?

Finding Fifteen

Tim had nine cards each with a different number from 1 to 9 on it. How could he have put them into three piles so that the total in each pile was 15?

Building Blocks

Here are some pictures of 3D shapes made from cubes. Can you make these shapes yourself?

A Mixed-up Clock

There is a clock-face where the numbers have become all mixed up. Can you find out where all the numbers have got to from these ten statements?

A Square of Numbers

Can you put the numbers 1 to 8 into the circles so that the four calculations are correct?

5 on the Clock

On a digital clock showing 24 hour time, over a whole day, how many times does a 5 appear? Is it the same number for a 12 hour clock over a whole day?

Four bags contain a large number of 1s, 3s, 5s and 7s. Can you pick any ten numbers from the bags so that their total is 37?

These clocks have been reflected in a mirror. What times do they say?

A game for two people, or play online. Given a target number, say 23, and a range of numbers to choose from, say 1-4, players take it in turns to add to the running total to hit their target.

Sealed Solution

Ten cards are put into five envelopes so that there are two cards in each envelope. The sum of the numbers inside it is written on each envelope. What numbers could be inside the envelopes?

The Third Dimension

Here are four cubes joined together. How many other arrangements of four cubes can you find? Can you draw them on dotty paper?

Square Corners

What is the greatest number of counters you can place on the grid below without four of them lying at the corners of a square?

A Puzzling Cube

Here are the six faces of a cube - in no particular order. Here are three views of the cube. Can you deduce where the faces are in relation to each other and record them on the net of this cube?

Super Shapes

The value of the circle changes in each of the following problems. Can you discover its value in each problem?

Amy's Dominoes

Amy has a box containing domino pieces but she does not think it is a complete set. Which of her domino pieces are missing?

Wonky Watches

Stuart's watch loses two minutes every hour. Adam's watch gains one minute every hour. Use the information to work out what time (the real time) they arrived at the airport.

How Many Times?

On a digital 24 hour clock, at certain times, all the digits are consecutive. How many times like this are there between midnight and 7 a.m.?

Watch the Clock

During the third hour after midnight the hands on a clock point in the same direction (so one hand is over the top of the other). At what time, to the nearest second, does this happen?

Which Scripts?

There are six numbers written in five different scripts. Can you sort out which is which?

Buying a Balloon

Lolla bought a balloon at the circus. She gave the clown six coins to pay for it. What could Lolla have paid for the balloon?

Use these four dominoes to make a square that has the same number of dots on each side.

Domino Square

Use the 'double-3 down' dominoes to make a square so that each side has eight dots.

Roll These Dice

Roll two red dice and a green dice. Add the two numbers on the red dice and take away the number on the green. What are all the different possible answers?

Consecutive Numbers

An investigation involving adding and subtracting sets of consecutive numbers. Lots to find out, lots to explore.

The home of mathematics education in New Zealand.

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• Student task sheets

Year 3 tasks

The Ministry is migrating nzmaths content to Tāhurangi.             Relevant and up-to-date teaching resources are being moved to Tāhūrangi (tahurangi.education.govt.nz).  When all identified resources have been successfully moved, this website will close. We expect this to be in June 2024.  e-ako maths, e-ako Pāngarau, and e-ako PLD 360 will continue to be available. 

For more information visit https://tahurangi.education.govt.nz/updates-to-nzmaths

To solve maths problems at year 3 it is very important for your child to be able to instantly recall addition and subtraction facts up to 20.

e-ako maths provides free online basic fact learning tools which will help your child learn their basic facts, as well as a collection of games to improve their speed and accuracy. If you think this would benefit your child, click to read how to access this resource  (show instructions).

• To access e-ako maths, your child will need an account. You can make a new account for free, but check first whether they already have one that they use at school. If they do, they can use the same username and password to use e-ako maths at home.
• You can log in to e-ako maths or register a new account from the e-ako maths home page . If you are registering a new account to use at home you will need to click the "No join code? Click here." button and then "I am learning at home".

• The two large green boxes at the top are 'Learning tools' which will test the basic facts your child knows, and then help them learn the ones they don't already know.
• The blue buttons below are a collection of games designed to practise basic facts to improve speed and accuracy. 
• In Year 3 your child should mostly be concentrating on learning and practising their addition and subtraction facts, the buttons on the left.

Click to read about the purpose of the tasks below  (show purpose).

The tasks in this section are intended:

• for students in year 3 
• to complement similar class tasks
• to be a selection only of enjoyable learning opportunities for your child (and for you) 
• to generate useful explanations and discussions between you and your child.

The tasks in this section are NOT: 

• intended to be comprehensive in their coverage of all maths at year 3
• intended to be ‘one off’ tasks. Feel free to review or modify these to suit the needs of your child.

These Year 3 tasks recognise that students:

• are mostly working at early level 2 of the NZ Curriculum, growing in their understanding of number, algebra, geometry, measurement and statistics
• are all different, and some find parts of maths easier or harder than others
• are learning to solve problems in different ways
• are learning that it’s okay to make a mistake and to have another go
• respond well to supportive questions from adults, such as, ‘What is the question asking you to do?’, or ‘What do you already know that might help you (solve the problem)?’
• enjoy exploring open tasks for which there can be a range of appropriate approaches and solutions (accordingly, set answers are not included for a number of these tasks).

We suggest that you ask your child what kinds of things they have been doing in maths at school, and select a task from this menu.

Click for  versions with Māori content .

Measurement

3rd Grade Math Learning Games 4+

Master math with fun games, smart kidz club inc., designed for ipad.

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Description.

Smart Kidz Club Grade 3 Math App is curriculum-aligned for 8-9-year-olds to practice and master all the required grade 3 math skills. This app follows the US Common Core State Standards and consists of comprehensive math skills essential for GRADE 3 school students. Resources consist of activity books with math problems. Each Math Activity that requires complex solving, consists of a SCRATCH PAD option where the child can freely write on the screen (overlay) to solve the problems in writing if they so desire. Math activities cover all the required grade 3 skills such as decimal numbers, equations, variables, measurement, geometry, understanding fractions including equivalent fractions, operations with fractions, logical reasoning, numbers up to thousands, place value, estimation, rounding, probability, statistics, Roman Numerals, data, graphs, properties and importance of parenthesis, time, and addition, subtraction, multiplication, and division expertise concepts. Math Activities consist of 2 modes, practice and test. Each of these modes comes with a choice of the number of questions/problems that the child wishes to solve— 1) Practice Mode: The Practice Mode allows the child to solve each problem before advancing to the next problem while prompting them to try again if they choose the wrong answer. The Practice Mode is not scored. At the end of the practice mode, the child can try again with a new set of problems. 2) Test Mode: The Test Mode is scored and does not prompt the child during their attempt to solve the problem. At the end of the Test Mode, the child can try again with a set of new math problems or review their answers with detailed feedback and explanation. This app supports maths learning in homes by helping kids in grade 3 with their mathematical understanding and mastering math skills without any harmful distractions or ads.

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App Privacy

The developer, Smart Kidz Club Inc. , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

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2-year-old Elmont math prodigy 'Baby Dev' appearing on 'America's Got Talent'

Two-year-old Baby Dev, pictured with his father, shows off his math skills on "America's Got Talent." Credit: NBC/Trae Patton

A 2-year-old math prodigy from Elmont will be among the acts when NBC's variety competition “America’s Got Talent” returns for its 19th season Tuesday at 8 p.m. 

In TikTok videos that have garnered as many as 36 million views apiece, Devan Defreitas, known as Baby Dev, joyfully does mathematics equations — 14 x 12, anyone? — on dry-erase boards, sounding out each number as he does so. One video shows him flawlessly identifying Roman numerals.

Another has him solving word problems: “Mama gave Devan $30 and Dada gave Devan another $10. How much money does Devan have?” With no coaching, he writes “$30 + $10 = $40.” Where numbers are concerned, this pre-K kid could probably compete on “Are You Smarter than a 5th Grader?”

Dad Duane Defreitas says he still is processing all the attention coming his family’s way —including remote appearance on “CBS Mornings” with Gayle King and NBC’s “The Kelly Clarkson Show” — since the first video went up in September. “Sometimes I'm just kind of like, ‘Oh, it's nothing,’” Defreitas, 44, told Newsday. “But then it's like, ‘Wow, is this really happening?’”

Defreitas had never had a TikTok account, he said, “but you always hear about TikTok through friends or whatever. That's the thing these young kids are into nowadays. So I said, ‘Hey, why not make one for Devan and see what happens?’” The videos went viral and “not too long after that, the producers from AGT reached out to us.”

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Defreitas, who also has an 8-year-old son and 10-year-old daughter in Mount Sinai “with my first two kids' mother,” asked that Devan’s mother not be named. But she was, he says, part of that day when they first glimpsed Devan’s instinct for math.

“He had a slight speech delay,” Defreitas said, “so he didn't say ‘Mama, Dada.’ And one day he was watching one of his number videos and they were singing the number-seven song, and he just blurred out, 'Seven! Seven!'” as his first words. “And his mother and I just looked at each other with our eyes open and we actually caught that on video, too,” when he said it again.

Defreitas, who was born in Brooklyn and raised in Queens, played football at Flushing High School and later at Marist College in Poughkeepsie. He left that school to get an associate degree at Nassau Community College, he says, and afterward enrolled at Manhattan’s Fashion Institute of Technology. He left there to intern for a fashion company, and when the internship ended, rather than return to school he followed in his father Lincoln’s footsteps as an NYPD officer.

Beginning 2005, Defreitas served at Transit District 20 in Jamaica, Queens. He moved to Hempstead around 2010 and retired from the force in 2014 when “I tore my Achilles tendon while affecting an arrest, when somebody resisted arrest. … I heard a loud pop” and felt a pain “like bowling ball dropped from the sky and fell on my ankle.”

He says he still walks with a limp — “some days are better than others” — and with his retirement pension decided “I'm just going to spend time with my kids and raise my kids. And that's exactly what I do.” He moved to Bay Shore and then to Commack, before settling in Elmont in 2019 — keeping the Commack house to rent out on Airbnb and otherwise use as a second home.

There, Devan “hangs out in the pool. He loves to swim. And there are a lot of farms out there, and he loves animals.”

He also enjoyed being on AGT, his dad says. “He had never been on a stage so I was a little worried how he would react. But he loved the crowd. He loves being cheered on. He loves when we clap for them. So he soaked everything up and loved it.”

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The Possible Collapse of the U.S. Home Insurance System

A times investigation found climate change may now be a concern for every homeowner in the country..

This transcript was created using speech recognition software. While it has been reviewed by human transcribers, it may contain errors. Please review the episode audio before quoting from this transcript and email [email protected] with any questions.

From “The New York Times,” I’m Sabrina Tavernise. And this is “The Daily.”

[MUSIC PLAYING]

Today, my colleague, Christopher Flavelle, on a “Times” investigation into one of the least known and most consequential effects of climate change — insurance — and why it may now be a concern for every homeowner in the country.

It’s Wednesday, May 15.

So, Chris, you and I talked a while ago about how climate change was really wreaking havoc in the insurance market in Florida. You’ve just done an investigation that takes a look into the insurance markets more broadly and more deeply. Tell us about it.

Yeah, so I cover climate change, in particular the way climate shocks affect different parts of American life. And insurance has become a really big part of that coverage. And Florida is a great example. As hurricanes have gotten worse and more frequent, insurers are paying out more and more money to rebuild people’s homes. And that’s driving up insurance costs and ultimately driving up the cost of owning a home in Florida.

So we’re already seeing that climate impact on the housing market in Florida. My colleagues and I started to think, well, could it be that that kind of disruption is also happening in other states, not just in the obvious coastal states but maybe even through the middle of the US? So we set out to find out just how much it is happening, how much that Florida turmoil has, in fact, become really a contagion that is spreading across the country.

So how did you go about reporting this? I mean, where did you start?

All we knew at the start of this was that there was reason to think this might be a problem. If you just look at how the federal government tracks disasters around the country, there’s been a big increase almost every year in the number and severity of all kinds of disasters around the country. So we thought, OK, it’s worth trying to find out, what does that mean for insurers?

The problem is getting data on the insurance industry is actually really hard. There’s no federal regulation. There’s no government agency you can go to that holds this data. If you talk to the insurers directly, they tend to be a little reluctant to share information about what they’re going through. So we weren’t sure where to go until, finally, we realized the best people to ask are the people whose job it is to gauge the financial health of insurance companies.

Those are rating agencies. In particular, there’s one rating company called AM Best, whose whole purpose is to tell investors how healthy an insurance company is.

Whoa. So this is way down in the nuts and bolts of the US insurance industry.

Right. This is a part of the broader economy that most people would never experience. But we asked them to do something special for us. We said, hey, can you help us find the one number that would tell us reporters just how healthy or unhealthy this insurance market is state by state over time? And it turns out, there is just such a number. It’s called a combined ratio.

OK, plain English?

Plain English, it is the ratio of revenue to costs, how much money these guys take in for homeowner’s insurance and how much they pay out in costs and losses. You want your revenue to be higher than your costs. If not, you’re in trouble.

So what did you find out?

Well, we got that number for every state, going back more than a decade. And what it showed us was our suspicions were right. This market turmoil that we were seeing in Florida and California has indeed been spreading across the country. And in fact, it turns out that in 18 states, last year, the homeowner’s insurance market lost money. And that’s a big jump from 5 or 10 years ago and spells real trouble for insurance and for homeowners and for almost every part of the economy.

So the contagion was real.

Right. This is our first window showing us just how far that contagion had spread. And one of the really striking things about this data was it showed the contagion had spread to places that I wouldn’t have thought of as especially prone to climate shocks — for example, a lot of the Midwest, a lot of the Southeast. In fact, if you think of a map of the country, there was no state between Pennsylvania and the Dakotas that didn’t lose money on homeowner’s insurance last year.

So just huge parts of the middle of the US have become unprofitable for homeowner’s insurance. This market is starting to buckle under the cost of climate change.

And this is all happening really fast. When we did the Florida episode two years ago, it was a completely new phenomenon and really only in Florida. And now it’s everywhere.

Yeah. And that’s exactly what’s so striking here. The rate at which this is becoming, again, a contagion and spreading across the country is just demolishing the expectations of anyone I’ve spoken to. No one thought that this problem would affect so much of the US so quickly.

So in these states, these new places that the contagion has spread to, what exactly is happening that’s causing the insurance companies to fold up shop?

Yeah. Something really particular is happening in a lot of these states. And it’s worth noting how it’s surprised everyone. And what that is, is formally unimportant weather events, like hailstorms or windstorms, those didn’t used to be the kind of thing that would scare insurance companies. Obviously, a big problem if it destroys your home or damages your home. But for insurers, it wasn’t going to wipe them out financially.

Right. It wasn’t just a complete and utter wipeout that the company would then have to pony up a lot of money for.

Exactly. And insurers call them secondary perils, sort of a belittling term, something other than a big deal, like a hurricane.

These minor league weather events.

Right. But those are becoming so frequent and so much more intense that they can cause existential threats for insurance companies. And insurers are now fleeing states not because of hurricanes but because those former things that were small are now big. Hailstorms, wildfires in some places, previous annoyances are becoming real threats to insurers.

Chris, what’s the big picture on what insurers are actually facing? What’s happening out there numbers-wise?

This is a huge threat. In terms of the number of states where this industry is losing money, it’s more than doubled from 10 years ago to basically a third of the country. The amount they’re losing is enormous. In some states, insurers are paying out $1.25 or even $1.50 for every dollar they bring in, in revenue, which is totally unsustainable.

And the result is insurers are making changes. They are pulling back from these markets. They’re hiking premiums. And often, they’re just dropping customers. And that’s where this becomes real, not just for people who surf balance sheets and trade in the stock market. This is becoming real for homeowners around the country, who all of a sudden increasingly can’t get insurance.

So, Chris, what’s the actual implication? I mean, what happens when people in a state can’t get insurance for their homes?

Getting insurance for a home is crucial if you want to sell or buy a home. Most people can’t buy a home without a mortgage. And banks won’t issue a mortgage without home insurance. So if you’ve got a home that insurance company doesn’t want to cover, you got a real problem. You need to find insurance, or that home becomes very close to unsellable.

And as you get fewer buyers, the price goes down. So this doesn’t just hurt people who are paying for these insurance premiums. It hurts people who want to sell their homes. It even could hurt, at some point, whole local economies. If home values fall, governments take in less tax revenue. That means less money for schools and police. It also means people who get hit by disasters and have to rebuild their homes all of a sudden can’t, because their insurance isn’t available anymore. It’s hard to overstate just how big a deal this is.

And is that actually happening, Chris? I mean, are housing markets being dragged down because of this problem with the insurance markets right now?

Anecdotally, we’ve got reports that in places like Florida and Louisiana and maybe in parts of California, the difficulty of getting insurance, the crazy high cost of insurance is starting to depress demand because not everyone can afford to pay these really high costs, even if they have insurance. But what we wanted to focus on with this story was also, OK, we know where this goes eventually. But where is it beginning? What are the places that are just starting to feel these shocks from the insurance market?

And so I called around and asked insurance agents, who are the front lines of this. They’re the ones who are struggling to find insurance for homeowners. And I said, hey, is there one place that I should go if I want to understand what it looks like to homeowners when all of a sudden insurance becomes really expensive or you can’t even find it? And those insurance agents told me, if you want to see what this looks like in real life, go to a little town called Marshalltown in the middle of Iowa.

We’ll be right back.

So, Chris, you went to Marshalltown, Iowa. What did you find?

Even before I got to Marshalltown, I had some idea I was in the right spot. When I landed in Des Moines and went to rent a car, the nice woman at the desk who rented me a car, she said, what are you doing here? I said, I’m here to write a story about people in Iowa who can’t get insurance because of storms. She said, oh, yeah, I know all about that. That’s a big problem here.

Even the rental car lady.

Even the rental car lady knew something was going on. And so I got into my rental car and drove about an hour northeast of Des Moines, through some rolling hills, to this lovely little town of Marshalltown. Marshalltown is a really cute, little Midwestern town with old homes and a beautiful courthouse in the town square. And when I drove through, I couldn’t help noticing all the roofs looked new.

What does that tell you?

Turns out Marshalltown, despite being a pastoral image of Midwestern easy living, was hit by two really bad disasters in recent years — first, a devastating tornado in 2018 and then, in 2020, what’s called a derecho, a straight-line wind event that’s also just enormously damaging. And the result was lots of homes in this small town got severely damaged in a short period of time. And so when you drive down, you see all these new roofs that give you the sense that something’s going on.

So climate had come to Marshalltown?

Exactly. A place that had previously seemed maybe safe from climate change, if there is such a thing, all of a sudden was not. So I found an insurance agent in Marshalltown —

We talked to other agents but haven’t talked to many homeowners.

— named Bobby Shomo. And he invited me to his office early one morning and said, come meet some people. And so I parked on a quiet street outside of his office, across the street from the courthouse, which also had a new roof, and went into his conference room and met a procession of clients who all had versions of the same horror story.

It was more — well more of double.

A huge reduction in coverage with a huge price increase.

Some people had faced big premium hikes.

I’m just a little, small business owner. So every little bit I do feel.

They had so much trouble with their insurance company.

I was with IMT Insurance forever. And then when I moved in 2020, Bobby said they won’t insure a pool.

Some people had gotten dropped.

Where we used to see carriers canceling someone for frequency of three or four or five claims, it’s one or two now.

Some people couldn’t get the coverage they needed. But it was versions of the same tale, which is all of a sudden, having homeowner’s insurance in Marshalltown was really difficult. But I wanted to see if it was bigger than just Marshalltown. So the next day, I got back in my car and drove east to Cedar Rapids, where I met another person having a version of the same problem, a guy named Dave Langston.

Tell me about Dave.

Dave lives in a handsome, modest, little townhouse on a quiet cul-de-sac on a hill at the edge of Cedar Rapids. He’s the president of his homeowners association. There’s 17 homes on this little street. And this is just as far as you could get from a danger zone. It looks as safe as could be. But in January, they got a letter from the company that insures him and his neighbors, saying his policy was being canceled, even though it wasn’t as though they’d just been hit by some giant storm.

So then what was the reason they gave?

They didn’t give a reason. And I think people might not realize, insurers don’t have to give a reason. Insurance policies are year to year. And if your insurance company decides that you’re too much of a risk or your neighborhood is too much of a risk or your state is too much of a risk, they can just leave. They can send you a letter saying, forget it. We’re canceling your insurance. There’s almost no protection people have.

And in this case, the reason was that this insurance company was losing too much money in Iowa and didn’t want to keep on writing homeowner’s insurance in the state. That was the situation that Dave shared with tens of thousands of people across the state that were all getting similar letters.

What made Dave’s situation a little more challenging was that he couldn’t get new insurance. He tried for months through agent after agent after agent. And every company told him the same thing. We won’t cover you. Even though these homes are perfectly safe in a safe part of the state, nobody would say yes. And it took them until basically two days before their insurance policy was going to run out until they finally found new coverage that was far more expensive and far more bare-bones than what they’d had.

But at least it was something.

It was something. But the problem was it wasn’t that good. Under this new policy, if Dave’s street got hit by another big windstorm, the damage from that storm and fixing that damage would wipe out all the savings set aside by these homeowners. The deductible would be crushingly high — $120,000 — to replace those roofs if the worst happened because the insurance money just wouldn’t cover anywhere close to the cost of rebuilding.

He said to me, we didn’t do anything wrong. This is just what insurance looks like today. And today, it’s us in Cedar Rapids. Everyone, though, is going to face a situation like this eventually. And Dave is right. I talked to insurance agents around the country. And they confirmed for me that this kind of a shift towards a new type of insurance, insurance that’s more expensive and doesn’t cover as much and makes it harder to rebuild after a big disaster, it’s becoming more and more common around the country.

So, Chris, if Dave and the people you spoke to in Iowa were really evidence that your hunch was right, that the problem is spreading and rapidly, what are the possible fixes here?

The fix that people seem most hopeful about is this idea that, what if you could reduce the risk and cause there to be less damage in the first place? So what some states are doing is they’re trying to encourage homeowners to spend more money on hardening their home or adding a new roof or, if it’s a wildfire zone, cut back the vegetation, things that can reduce your risk of having really serious losses. And to help pay for that, they’re telling insurers, you’ve got to offer a discount to people who do that.

And everyone who works in this field says, in theory, that’s the right approach. The problem is, number one, hardening a home costs a fantastic amount of money. So doing this at scale is hugely expensive. Number two, it takes a long time to actually get enough homes hardened in this way that you can make a real dent for insurance companies. We’re talking about years or probably decades before that has a real effect, if it ever works.

OK. So that sounds not particularly realistic, given the urgency and the timeline we’re on here. So what else are people looking at?

Option number two is the government gets involved. And instead of most Americans buying home insurance from a private company, they start buying it from government programs that are designed to make sure that people, even in risky places, can still buy insurance. That would be just a gargantuan undertaking. The idea of the government providing homeowner’s insurance because private companies can’t or won’t would lead to one of the biggest government programs that exists, if we could even do it.

So huge change, like the federal government actually trying to write these markets by itself by providing homeowner’s insurance. But is that really feasible?

Well, in some areas, we’re actually already doing it. The government already provides flood insurance because for decades, most private insurers have not wanted to cover flood. It’s too risky. It’s too expensive. But that change, with governments taking over that role, creates a new problem of its own because the government providing flood insurance that you otherwise couldn’t get means people have been building and building in flood-prone areas because they know they can get that guaranteed flood insurance.

Interesting. So that’s a huge new downside. The government would be incentivizing people to move to places that they shouldn’t be.

That’s right. But there’s even one more problem with that approach of using the government to try to solve this problem, which is these costs keep growing. The number of billion-dollar disasters the US experiences every year keeps going up. And at some point, even if the government pays the cost through some sort of subsidized insurance, what happens when that cost is so great that we can no longer afford to pay it? That’s the really hard question that no official can answer.

So that’s pretty doomsday, Chris. Are we looking at the end of insurance?

I think it’s fair to say that we’re looking at the end of insurance as we know it, the end of insurance that means most Americans can rest assured that if they get hit by a disaster, their insurance company will provide enough money they can rebuild. That idea might be going away. And what it shows is maybe the threat of climate change isn’t quite what we thought.

Maybe instead of climate change wrecking communities in the form of a big storm or a wildfire or a flood, maybe even before those things happen, climate change can wreck communities by something as seemingly mundane and even boring as insurance. Maybe the harbinger of doom is not a giant storm but an anodyne letter from your insurance company, saying, we’re sorry to inform you we can no longer cover your home.

Maybe the future of climate change is best seen not by poring over weather data from NOAA but by poring over spreadsheets from rating firms, showing the profitability from insurance companies, and how bit by bit, that money that they’re losing around the country tells its own story. And the story is these shocks are actually already here.

Chris, as always, terrifying to talk to you.

Always a pleasure, Sabrina.

Here’s what else you should know today. On Tuesday, the United Nations has reclassified the number of women and children killed in Gaza, saying that it does not have enough identifying information to know exactly how many of the total dead are women and children. The UN now estimates that about 5,000 women and about 8,000 children have been killed, figures that are about half of what it was previously citing. The UN says the numbers dropped because it is using a more conservative estimate while waiting for information on about 10,000 other dead Gazans who have not yet been identified.

And Mike Johnson, the Speaker of the House, gave a press conference outside the court in Lower Manhattan, where Michael Cohen, the former fixer for Donald Trump, was testifying for a second day, answering questions from Trump’s lawyers. Trump is bound by a gag order. So Johnson joined other stand-ins for the former president to discredit the proceedings. Johnson, one of the most important Republicans in the country, attacked Cohen but also the trial itself, calling it a sham and political theater.

Today’s episode was produced by Nina Feldman, Shannon Lin, and Jessica Cheung. It was edited by MJ Davis Lin, with help from Michael Benoist, contains original music by Dan Powell, Marion Lozano, and Rowan Niemisto, and was engineered by Alyssa Moxley. Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly.

That’s it for “The Daily.” I’m Sabrina Tavernise. See you tomorrow.

• May 24, 2024   •   25:18 Whales Have an Alphabet
• May 23, 2024   •   34:24 I.C.C. Prosecutor Requests Warrants for Israeli and Hamas Leaders
• May 22, 2024   •   23:20 Biden’s Open War on Hidden Fees
• May 21, 2024   •   24:14 The Crypto Comeback
• May 20, 2024   •   31:51 Was the 401(k) a Mistake?
• May 19, 2024   •   33:23 The Sunday Read: ‘Why Did This Guy Put a Song About Me on Spotify?’
• May 17, 2024   •   51:10 The Campus Protesters Explain Themselves
• May 16, 2024   •   30:47 The Make-or-Break Testimony of Michael Cohen
• May 15, 2024   •   27:03 The Possible Collapse of the U.S. Home Insurance System
• May 14, 2024   •   35:20 Voters Want Change. In Our Poll, They See It in Trump.
• May 13, 2024   •   27:46 How Biden Adopted Trump’s Trade War With China
• May 10, 2024   •   27:42 Stormy Daniels Takes the Stand

Hosted by Sabrina Tavernise

Featuring Christopher Flavelle

Produced by Nina Feldman ,  Shannon M. Lin and Jessica Cheung

Edited by MJ Davis Lin

With Michael Benoist

Original music by Dan Powell ,  Marion Lozano and Rowan Niemisto

Engineered by Alyssa Moxley

Listen and follow The Daily Apple Podcasts | Spotify | Amazon Music | YouTube

Across the United States, more frequent extreme weather is starting to cause the home insurance market to buckle, even for those who have paid their premiums dutifully year after year.

Christopher Flavelle, a climate reporter, discusses a Times investigation into one of the most consequential effects of the changes.

On today’s episode

Christopher Flavelle , a climate change reporter for The New York Times.

Background reading

As American insurers bleed cash from climate shocks , homeowners lose.

See how the home insurance crunch affects the market in each state .

Here are four takeaways from The Times’s investigation.

There are a lot of ways to listen to The Daily. Here’s how.

We aim to make transcripts available the next workday after an episode’s publication. You can find them at the top of the page.

Christopher Flavelle contributed reporting.

The Daily is made by Rachel Quester, Lynsea Garrison, Clare Toeniskoetter, Paige Cowett, Michael Simon Johnson, Brad Fisher, Chris Wood, Jessica Cheung, Stella Tan, Alexandra Leigh Young, Lisa Chow, Eric Krupke, Marc Georges, Luke Vander Ploeg, M.J. Davis Lin, Dan Powell, Sydney Harper, Mike Benoist, Liz O. Baylen, Asthaa Chaturvedi, Rachelle Bonja, Diana Nguyen, Marion Lozano, Corey Schreppel, Rob Szypko, Elisheba Ittoop, Mooj Zadie, Patricia Willens, Rowan Niemisto, Jody Becker, Rikki Novetsky, John Ketchum, Nina Feldman, Will Reid, Carlos Prieto, Ben Calhoun, Susan Lee, Lexie Diao, Mary Wilson, Alex Stern, Dan Farrell, Sophia Lanman, Shannon Lin, Diane Wong, Devon Taylor, Alyssa Moxley, Summer Thomad, Olivia Natt, Daniel Ramirez and Brendan Klinkenberg.

Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly. Special thanks to Sam Dolnick, Paula Szuchman, Lisa Tobin, Larissa Anderson, Julia Simon, Sofia Milan, Mahima Chablani, Elizabeth Davis-Moorer, Jeffrey Miranda, Renan Borelli, Maddy Masiello, Isabella Anderson and Nina Lassam.

Christopher Flavelle is a Times reporter who writes about how the United States is trying to adapt to the effects of climate change. More about Christopher Flavelle

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