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A Coral Reef in Mexico Just Got Its Own Insurance Policy

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The Puerto Morelos coral reef, about 20 miles south of Cancún, is one of Mexico’s most popular snorkeling attractions. It also serves a vital purpose beyond drawing tourists. Like all reefs, it provides a buffer for the coast, protecting nearby beaches from brutal waves and storms. And so the beachside businesses that rely on the reef have decided to protect the coral as they would any other vital asset: with insurance. As Fast Company reports, the reef now has its own insurance policy, the first-ever policy of its kind.

Coral reefs are currently threatened by increasing ocean acidification, warmer waters, pollution, and other ocean changes that put them at risk of extinction. Mass coral bleachings are affecting reefs all over the world. That’s not to mention the risk of damage during extreme storms, which are becoming more frequent due to climate change.

Businesses in Puerto Morelos and Cancún pay the premiums for the Reef & Beach Resilience and Insurance Fund, and if the reef gets damaged, the insurance company will pay to help restore it. It’s not just an altruistic move. By protecting the Puerto Morelos reef, nearby businesses are protecting themselves. According to The Nature Conservancy, which designed the insurance policy, coral reef tourism generates around $36 billion for businesses around the world each year. Perhaps even more importantly to coastal businesses, reefs protect $6 billion worth of built capital (i.e. anything human-made) annually.

When a storm hits, the insurance company will pay out a claim in 10 days, according to Fast Company, providing an immediate influx of cash for urgent repair. (The insurance policy is tied to the event of a storm, not the damage, since it would be hard to immediately quantify the economic damage to a reef.) The corals that break off the reef can be rehabilitated at a nursery and reattached, but they have to be collected immediately. Waiting months for an insurance payout wouldn’t help if all the damaged corals have already floated away.

The insurance policy is one of many new initiatives designed to rehabilitate and protect endangered coastal ecosystems that we now know are vital to buffering the coast from storm surges and strong waves. Coral reefs aren’t the only protective reefs: In the eastern and southern coastal U.S., some restaurants have started donating oyster shells to help rebuild oyster reefs offshore as a storm protection and ecosystem rehabilitation measure.

Considering the outsized role reefs play in coastal protection, more insurance policies may be coming to ecosystems elsewhere in the world. Hopefully.

[h/t Fast Company]

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Hawaii's Kilauea Volcano Is Causing Another Explosive Problem: Laze
Mario Tama, Getty Images
Mario Tama, Getty Images

Rivers of molten rock aren't the only thing residents near Hawaii's Kilauea volcano have to worry about. Lava from recent volcanic activity has reached the Pacific Ocean and is generating toxic, glass-laced "laze," according to Honolulu-based KITV. Just what is this dangerous substance?

Molten lava has a temperature of about 2000°F, while the surrounding seawater in Hawaii is closer to 80°F. When this super-hot lava hits the colder ocean, the heat makes the water boil, creating powerful explosions of steam, scalding hot water, and projectile rock fragments known as tephra. These plumes are called lava haze, or laze.

Though it looks like regular steam, laze is much more dangerous. When the water and lava combine, and hot lava vaporizes seawater, a series of reactions causes the formation of toxic gas. Chloride from the sea salt mixes with hydrogen in the steam to create a dense, corrosive mixture of hydrochloric acid. The vapor forms clouds that then turn into acid rain.

Laze blows out of the ocean near a lava flow
USGS

That’s not the only danger. The lava cools down rapidly, forming volcanic glass—tiny shards of which explode into the air along with the gases.

Even the slightest encounter with a wisp of laze can be problematic. The hot, acidic mixture can irritate the skin, eyes, and respiratory system. It's particularly hazardous to those with breathing problems, like people with asthma.

In 2000, two people died in Hawaii Volcanoes National Park from inhaling laze coming from an active lava flow.

The problem spreads far beyond where the lava itself is flowing, pushing the problem downwind. Due to the amount of lava flowing into the ocean and the strength of the winds, laze currently being generated by the Kilauea eruptions could spread up to 15 miles away, a USGS geologist told Reuters.

[h/t Forbes]

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Health
Watch a Tree Release a Massive "Pollen Bomb" Into the Air
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In case your itchy, watery eyes hadn't already tipped you off, spring is in the air. Some trees release up to a billion pollen grains apiece each year, and instead of turning into baby trees, many of those spores end up in the noses of allergy sufferers. For a visual of just how much pollen is being released into our backyards, check out the video below spotted by Gothamist.

This footage was captured by Millville, New Jersey resident Jennifer Henderson while her husband was clearing away brush with a backhoe. He noticed one tree was blanketed in pollen, and decided to bump into it to see what would happen. The result was an explosion of plant matter dramatic enough to make you sniffle just by looking at it.

"Pollen bombs" occur when the weather starts to warm up after a prolonged winter, prompting trees and grasses to suddenly release a high concentration of pollen in a short time span. Wind, temperature, and humidity levels all determine the air's pollen count for any given day, but allergy season settles down around May.

After determining that your congestion is the result of allergies and not a head cold, there are a few steps you can take to stave off symptoms before they appear. Keep track of your area's pollen report throughout the week, and treat yourself with antihistamines or nasal spray on days when you know it will be particularly bad outside. You can also keep your home a pollen-free zone by closing all the windows and investing in an air purifier. Check out our full list of seasonal allergy-fighting tips here.

[h/t Gothamist]

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