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<p>Prices are accurate at the time of publication.</p><p class="financial-disclaimer"><i>When you buy through our links, Insider may earn an affiliate commission. <a target="_blank" href="https://www.businessinsider.com/insider-reviews-expertise-in-product-reviews">Learn more.</a></i></p><ul class="summary-list"><li>Shucking an oyster can seem intimidating, but it's simple and safe once you get the hang of it.</li><li>We enlisted the expertise of US national oyster shucking champion Isabella Macbeth to walk you through the process.</li></ul><p>Shucking oysters at home — or on the beach, a boat, or anywhere else — can be every bit as romantic and enjoyable as ordering them at the raw bar, not to mention much cheaper. The good news is that it's easy and safe to shuck your own oysters once you get the hang of it.</p><p>I've been shucking shellfish professionally, on and off, for nearly two decades, and probed some of the greats for their best tips of the trade along the way. And while I'm not the greatest or the fastest shucker alive, I've learned from some of the best about the various ways to shuck and serve oysters, including <a href="https://www.instagram.com/holy_city_oyster_maven/?hl=en" target="_blank" rel="noopener">Isabella Macbeth</a>, the <a href="https://usoysterfest.com/?page_id=33" target="_blank" rel="noopener">2021 USA Oyster Festival shucking champion</a>, whom I rung up to make sure my own methods were still sound. I've also <a href="https://www.amazon.com/Ocean-Ultimate-Handbook-Nautical-Knowledge/dp/1452158665" target="_blank" rel="nofollow noopener sponsored nofollow sponsored">contributed to a book</a> on the matter.</p><h2><strong>How to buy and store oysters</strong></h2><p>If you're buying oysters in-person, do your best to make sure they're alive. Look for tightly sealed shells and at least some sign of moisture on or around the shells. If you spot any open shells, give them a tap or two, and if they don't close, you'll want to steer away from that batch as they may already be dead.</p><p>Once home, remove the oysters from any plastic they might be stored in. This is important because they require oxygen to breathe and you want to keep them alive for maximum freshness and safety. </p><p>Then, place them in a bowl, pot, or pan, and cover them with a wet rag or dish towel to keep them from drying out. According to the FDA, the recommended temperature for storing oysters is 40 degrees Fahrenheit. And, believe it or not, they should last up to (and even well beyond) two weeks in the fridge at that temperature.</p><p>If your only option is to order oysters online, we recommend a reputable purveyor like <a href="https://www.e-fish.com/" target="_blank" rel="nofollow noopener sponsored">E-Fish</a>, <a href="https://realoystercult.com/" target="_blank" rel="nofollow noopener sponsored">Real Oyster Cult</a>, <a href="https://www.businessinsider.com/reviews/out?u=https%3A%2F%2Fgetmainelobster.com%2F" target="_blank" rel="nofollow noopener sponsored">Get Maine Lobster</a>, or <a href="https://www.citarella.com/" target="_blank" rel="nofollow noopener sponsored">Citarella</a>.</p><p><strong>Important:</strong> Eating raw oysters can potentially expose you to dangerous bacteria that can result in illness or even death. <a href="https://www.fda.gov/food/health-educators/vibrio-vulnificus-health-education-kit-fact-sheet" target="_blank" rel="noopener">The FDA strongly recommends</a> that people with certain medical conditions such as cancer, diabetes or liver disease avoid eating raw oysters. </p><h2>How to shuck an oyster</h2><h2><strong>What you'll need</strong></h2><ul><li>A shucking tool </li><li>A rag or dish towel (or three)</li><li>Cut-resistant gloves</li><li><a href="https://www.insider.com/guides/kitchen/best-cutting-board" target="_blank" rel="noopener">A cutting board</a> (thick plastic is best)</li><li>A serving tray, ideally with ice</li></ul><h3><strong>Step 1: Place oyster on cutting board, flat side facing up</strong></h3><div type="image" title="Oyster on cutting board Image" height="2471" width="4943" msid="92136286" hostid="261"></div><p>You'll want to find the cup of the oyster, which is the markedly more curved side. Place it on the cutting board with the flatter side up and the cup on the bottom. This allows for both a cleaner shucking that protects the meat and also keeps the "liquor" or "elixir" (the natural juice) from spilling.</p><h3><strong>Step 2: Find the hinge</strong></h3><div type="image" title="Close up of an oyster with red text and an arrow pointing to the hinge" height="2318" width="4636" msid="92136288" hostid="261"></div><p>There are at least three ways to open an oyster with a shucking tool: through the umbo, or hinge; through the bill, or opposite the hinge; or through the adductor muscle. The hinge is the most common and, generally, the easiest point of entry. It offers the best leverage, and is easily distinguishable from the rest of the bivalve. </p><p>Locate the hinge, which is the pointed part where the two halves of the shells meet. </p><h3><strong>Step 3: Wrap the oyster in a towel</strong></h3><p><strong></strong></p><div type="image" title="A hand holding an oyster wrapped in a towel with a knife pointing toward the hinge" height="2560" width="5120" msid="92136290" hostid="261"></div><p>To protect your hands, envelop the oyster in a towel, leaving only the hinge exposed. For extra protection, you may also want to wear gloves.</p><h3><strong>Step 4: Insert your knife into the hinge</strong></h3><p><strong></strong></p><div type="image" title="A New Haven blade approaching or in the hinge of the oyster" height="2139" width="4278" msid="92136292" hostid="261"></div><p>Find leverage in the hinge by inserting the tip of your blade between the top and bottom shell (about 1/8 to 1/4 of an inch will suffice).</p><h3><strong>Step 5: Twist the blade 90 degrees to open</strong></h3><p><strong></strong></p><div type="image" title="Blade turned 90 degrees with hinge popped open." height="2138" width="4276" msid="92136294" hostid="261"></div><p>A moderate turn of the wrist without much pressure should pop the hinge. If not, reposition and try again.</p><h3><strong>Step 6: Separate adductor muscle</strong></h3><p><strong></strong></p><div type="image" title="A hand runs a knife along the seam of two oyster shells to separate the abductor muscle" height="2061" width="4122" msid="92136296" hostid="261"></div><p>The adductor muscle, which is cylindrical and opaque, is the other part of the oyster's anatomy that holds it together, and the next thing you'll have to cut. Run the edge of your blade along the seam of the two shells with your knife held as flat as possible against the top shell, which will prevent you from cutting into the meat of the oyster while popping the adductor muscle free. </p><p>Remove the top shell and set aside for recycling or disposal as fit. Run the blade beneath the oyster meat in order to separate it from the bottom, or cup shell.</p><h3><strong>Step 7: Inspect for bits of shell</strong></h3><p><strong></strong></p><div type="image" title="Scraping shell out of oyster" height="2560" width="5120" msid="92136298" hostid="261"></div><p>There's nothing like broken bits of shell to disrupt your enjoyment of an oyster, so look carefully and use the back of your blade to remove any bits you might find.</p><h2><strong>Step 8: Flip (optional)</strong></h2><p><strong></strong></p><div type="image" title="An oyster being flipped in shell" height="2880" width="5760" msid="92136300" hostid="261"></div><p>This step isn't necessary, but flipping the oyster in its shell after shucking does two things: 1) it exposes any pieces of shell that may have broken off and fallen inside; 2) It makes the presentation prettier if you've damaged the top side while shucking. </p><p>To flip, scoop the oyster from beneath, turning and inspecting for bits of shell to remove. Once flipped, level out and try your best to match it to the other, ideally perfectly shucked oysters on the tray.</p><h3><strong>Step 9: Serve!</strong></h3><p><strong></strong></p><div type="image" title="Three oysters on ice" height="2880" width="5760" msid="92136302" hostid="261"></div><p>You'll want to keep your oysters cold, so it's best to serve them in a deep dish or an oyster tray that can hold some ice, and for extra pizazz, garnish the ice with seaweed or kelp.</p><p>As for condiments, anything goes, but the classic accouterments for oysters on the half shell are mignonette, cayenne-based hot sauce (Crystal and Tabasco are favorites), fresh lemon juice, horseradish, or cocktail sauce.</p><h2><strong>Choosing your shucking tool</strong></h2><p>The shucking tool you should use depends on the type of oyster you're working with. The biggest deciding factor is the shell. While entering from the hinge (or "umbo") is the easiest method, it doesn't tend to work on oysters that are farm-raised and/or come from fresh water where they're not conditioned to harden. A large, craggy, and brittle Chesapeake oyster is going to be far more challenging to open than a small, resilient Wellfleet oyster.</p><p>There are a vast array of shucking tools on the market, but something pointy, like a Chesapeake or Boston stabber will allow you to enter the bill or along the adductor muscle most easily, and a hooked point, like a New Haven blade has, will make leveraging and opening an oyster from the hinge easier.</p><p><strong><a href="https://www.amazon.com/Dexter-Russell-S121PCP-Haven-Oyster-Sani-Safe/dp/B004NG98L4" target="_blank" rel="nofollow noopener sponsored nofollow sponsored">New Haven blade</a>:</strong> Best for hinge shucking.</p><p><strong><a href="https://www.amazon.com/dp/B01KU7C7K8" target="_blank" rel="nofollow noopener sponsored nofollow sponsored">Chesapeake stabber</a>:</strong> Best for large, brittle Chesapeake Bay oysters that favor bill or adductor shucking.</p><p><strong><a href="https://www.amazon.com/Dexter-Russell-S134PCP-Boston-Style-Oyster-Sani-Safe/dp/B001EQAMQQ" target="_blank" rel="nofollow noopener sponsored">Boston blade/stabber</a>:</strong> Best for bill and adductor shucking (also doubles as a clam knife).</p><p><strong><a href="https://www.amazon.com/Dexter-Russell-S137PCP-Galveston-Style-Oyster-Sani-Safe/dp/B000KI9UNA" target="_blank" rel="nofollow noopener sponsored">Galveston blade</a>:</strong> Similar to a Boston blade, this wider, duller blade is best for large oysters like those found in the Gulf of Mexico.</p><p><strong><a href="https://www.amazon.com/Swissmar-Shucker-Universal-Oyster-Yellow/dp/B00MG3RPN4?th=1" target="_blank" rel="nofollow noopener sponsored">Paddy Oyster Tool</a>:</strong> Built with a pistol grip and a narrow, sharp blade and best for adductor shucking.</p><h2><strong>Other ways to shuck</strong></h2><p><strong>Bill: </strong>The bill is the part directly opposite the hinge, which tends to be the more rounded side (though this can vary, oysters being the craggy-shelled critters they are). This is the best method for softer-shelled, and especially farm-raised oysters that tend to break easily. You'll want some variation of a stabber, which is a relatively thin, straight blade to pop an oyster open from the bill. </p><p>A side to side motion will usually allow you to find your way in, at which point you'll motion toward the adductor muscle, which is about one-third up from the bill on the right-hand side when the flat (top) shell is facing you. Wiggle the blade back and forth until the adductor pops. You'll then be able to remove the top shell, separate the adductor from the bottom shell, and serve.</p><p><strong>Adductor: </strong>The trickier and more dangerous point of entry is through the side of the oyster, slicing directly across the adductor muscle. Hold the oyster in the palm of your hand (with a glove or rag) with the hinge at the base of your wrist and the cup facing up. Find an edge on the right side of the bill, and wedge the blade in toward and past the adductor muscle, separating the top shell. You should then be able to remove the top shell, separate the adductor from the bottom, and serve.</p><h2><strong>Insider's takeaway </strong></h2><p>Shucking oysters is relatively cheap, entertaining, and easy, and there's no reason you need to spend $3 to $4 apiece in fancy restaurants to enjoy them. The key to a good shuck is using a dedicated oyster knife to pop the oyster's hinge. If your first couple of shucks look mangled, flip the oyster in the shell for a prettier presentation.</p>

Photos show how to shuck an oyster safely and easily in 9 simple steps

This London-based photographer captures the complexity of human interaction in cities around the world

<p class="drop-cap">When it comes to automobiles, geography is destiny. What we drive is determined in large part by <em>where</em> we're driving. Sometimes the locational preferences are almost laughably stereotypical, like the prevalence of Subarus in Vermont and pickup trucks in Montana. Electric vehicles are favored in left-leaning enclaves, Jeep Wranglers excel in parts of Arizona, and Sprinter vans rank high in resort towns. The hydrogen-powered Toyota Mirai — which is sold only in California — ranks at the top of all vehicles in both Los Angeles and Orange counties.</p>              <p><strong>Explore the United States of Automobiles</strong></p><p>• <a target="_blank" class="" href="https://www.businessinsider.com/united-states-car-models-interactive-guide-politics-color-brand-location-2024-10">See where in America your vehicle is most popular</a></p><p>• <a target="_blank" class="" href="https://www.businessinsider.com/car-models-owned-by-republicans-democrats-american-politics-jeep-2024-10">What our rides reveal about our politics</a></p><p>• <a target="_blank" class="" href="https://www.businessinsider.com/why-car-colors-boring-black-white-gray-cost-cutting-2024-10">Cars used to be really colorful. What happened?</a></p><p>• <a target="_blank" class="" href="https://www.businessinsider.com/methodology-for-car-database-united-states-of-automobiles-2024-10">How we crunched the numbers</a></p>          <p>But when you delve deeper into <a target="_blank" class="" href="https://www.businessinsider.com/methodology-for-car-database-united-states-of-automobiles-2024-10">our database of 1.7 million car listings</a>, all sorts of geographic quirks emerge. Mississippi, for example, is the poorest state in the country. Yet in and around the state capital of Jackson, where per capita income exceeds the national average, five of the 10 most popular cars are Mercedes-Benzes. And up and down the California coast, a wide range of counties that share else little in common — including San Diego, Santa Barbara, San Luis Obispo, Monterey, Santa Clara, Alameda, and Marin — feature only foreign-made cars in their top-10 lists.</p><p>Then there's the question of hometown advantage. For the most part, we found, Americans love the cars they help to build. In Rutherford County, Tennessee, where the nearby Nissan plant cranks out 2,500 vehicles a day, four of the 10 most popular cars are Nissans. In Dearborn, Michigan — the headquarters of Ford — five of the 10 favorite cars are Fords. (And none are foreign.) Sometimes the name alone is enough: In the Michigan county of Wexford, which centers around the town of Cadillac, the Cadillac DeVille ranks No. 6.</p>                                <p>But there are some exceptions to the company-town rule. Nine of the 10 most popular cars in Spartanburg, South Carolina, are foreign — yet not a single one of them is a BMW, whose nearby plant employs 100,000 people. And in Alameda County, California, whose Fremont plant turns out most of the country's Teslas, not a single one of the 10 favorite vehicles is a Tesla. The top EVs in the county where Elon Musk makes his EVs? The Toyota Prius and the VW eGolf.</p><h2 id="bc6d131b-7a59-409d-9d9b-d7d0e90b81ec"><strong>The cars your neighbors love the most</strong></h2>                                <p><em>Text by </em><a target="_blank" href="https://www.businessinsider.com/author/mark-healy"><em>Mark Healy</em></a><em>, founder of Flipturn Creative Studios. Data by </em><a target="_blank" href="https://www.businessinsider.com/author/andrew-thompson"><em>Andrew Thompson</em></a><em>, creator of </em><a target="_blank" href="https://components.one/"><em>Components</em></a><em>, a cultural research project. Graphics by designer </em><a target="_blank" class="" href="https://www.businessinsider.com/author/dan-de-lorenzo"><em>Dan DeLorenzo</em></a><em> and data graphics fellow </em><a target="_blank" rel="" href="https://www.businessinsider.com/author/kim-nguyen"><em><u>Kim Nguyen</u></em></a><em>. Photo research by </em><a target="_blank" class="" href="https://www.businessinsider.com/author/isabel-fernandez-pujol"><em>Isabel Fernandez Pujol</em></a><em>.</em></p>

From Subarus in Vermont to Dodge Rams in Montana, what we drive is shaped by where we live

<p>This week, Business Insider publishes its most extensive work yet on the fighting in Ukraine — an exploration of the horrific struggle for the city of Bakhmut.</p><p>It is not an exaggeration to say that the city was, for much of 2023, among the deadliest places on earth.</p><p>Our aim is to give our readers a visceral account of what happened there, and its significance to a war that has been raging for almost two years.</p><p>We've broken our reporting down into different parts — the most significant a 6,000-word narrative depicting standout moments.</p><p>A clutch of other stories, publishing through late December, zoom in on particular moment and characters:</p><p>We reported how Ukrainian fighters faced Wagner mercenaries, buffeted by thousands of convicts released from Russian prisons, in trench warfare reminiscent of WWI and fierce street-to-street combat.</p><p>We also detailed desperate, high-speed evacuations, and the increasingly perilous situation for civilians as the entire city, including hospitals, was leveled. The reporting underscores the enormous toll of this conflict, now about to enter its third year.</p><p>Business Insider's reporters spoke to some 50 soldiers, civilians, medics, aid workers, analysts, writers, and fixers. They reviewed vast amounts of open-source material, too.</p><p>While Russia claimed victory in Bakhmut in May of this year, the battle did not pave the way, as Russia had hoped, to major territorial gains in the east.</p><p>In a strange twist, the Battle of Bakhmut also played a role in the fate of Wagner chief Yevgeny Prigozhin: After excoriating Russia's top military brass for months over failing to properly equip his Wagner forces in Bakhmut, in June Prigozhin <a target="_blank" href="https://www.businessinsider.com/why-wagner-rebelled-in-russia-starting-to-make-sense-2023-6">crossed into Russia in an apparent push</a> to confront the Kremlin directly. <a target="_blank" href="https://www.businessinsider.com/wagner-group-yevgeny-prigozhin-russian-plane-crash-state-media-2023-8">He died</a> a few weeks later.</p><p>BI's goal was to make events in Bakhmut vivid, to place them in the broader story of the war — and also to humanize what happened.</p><p>Bakhmut was once a thriving city that tens of thousands called home, known for its wine and roses.</p><p>Now its name evokes literal butchery — the "meat grinder" metaphor employed time and again.</p><p>We do describe parts of the harrowing combat that earned it that dark reputation. But our hope is that we convey something deeper, too.</p><p>Not just blood and meat, but the friendships, fears, struggles, and hopes of the people who lived and fought there, many of whom never came back.</p><h2>Credits</h2><span class="headline-bold">Lead reporters: </span><span class="headline-regular">Sinéad Baker and Mia Jankowicz</span><br /><span class="headline-bold">Reporting: </span><span class="headline-regular">Erin Snodgrass, Sophia Ankel, Alia Shoaib, Jason Corcoran</span><br /><span class="headline-bold">Editing: </span><span class="headline-regular">Kieran Corcoran, Edith Honan, Kit Gillet, Jennifer H. Cunningham, Julian Kossoff, Lauren Steussy, Ryan Pickrell, Kevin Kaplan</span><br /><span class="headline-bold">Illustration: </span><span class="headline-regular">Mark Harris</span><br /><span class="headline-bold">Design &amp; Graphics: </span><span class="headline-regular">Rebecca Zisser, Jenny Chang-Rodriguez, Annie Fu, Isabel Fernandez-Pujol</span><br /><span class="headline-bold">Translation and interpretation: </span><span class="headline-regular">Katrina Ellis, Dmytro Yakubovskyy,Lada Buskie</span><br />

Blood and rubble: Business Insider's reporting on Ukraine's battle of Bakhmut

<p>Two trillion, six-hundred and fifteen billion dollars.</p><p>It's an amount so large it's almost impossible to comprehend. It represents the estimated tab for 371 weather and climate disasters in the US since 1980 that topped $1 billion in damage. On the list are many of the country's most destructive tropical cyclones, droughts, and severe storms, the most recent being <a href="https://www.insider.com/tropical-storm-idalia-hurricane-forecast-florida-2023-8">Hurricane Idalia</a>. </p><p>They're the events we can remember — and many more we likely can't because so many more disasters have been breaking into the billion-dollar club in recent years. Decade to decade, costly extreme weather events are increasing in both frequency and intensity as greenhouse gases build up in our atmosphere.</p><p>Yet as big as the dollar figures can get, they can never convey all that is truly lost in these disasters. Countless costs to people get left out of official tallies, including mental and physical trauma. There are harms in the form of environmental damage and supply-chain disruptions. These become, in essence, hidden costs. And many of us are paying them.</p><p>Meet a teacher who nearly died from heatstroke after a hike, a farmer in Texas who watched a hurricane and subsequent deep freeze wipe out much of his citrus crop, and a woman whose nonprofit lost everything to a flood.</p><h2>The true cost of extreme heat</h2><p>Lois Nigrin grew up on a farm and loved getting outdoors. So when she and her husband set off on a hike in Arizona as part of an anniversary trip, she didn't anticipate how wrong things could go. Heat was nothing new for Nigrin — and the couple had trained for the hike.</p><div type="image" title="A portrait photo of Lois Nigrin standing in front of foliage." height="2000" width="3000" msid="103845753" hostid="261" sizebytes="278284"></div><p>Yet the temperatures were so extreme that day in June 2019 that what was meant to be a celebration of decades of partnership ended up leaving Nigrin in a coma with third-degree burns on her backside. Her family rushed to the hospital to be with her in what doctors said would likely be her final hours.</p><p>Nigrin, a teacher in Nebraska, survived the nightmare but still has the scars from her burns and skin grafts, which remind her how close she came to dying. Her ordeal points to the rising cost of extreme heat, the <a href="https://www.epa.gov/climate-indicators/climate-change-indicators-heat-related-deaths" target="_blank" rel="noopener">leading weather-related killer</a> in the US.</p><p>The type of heat that nearly killed Nigrin could add $1 billion every summer to US healthcare costs for things such as emergency-department visits, the Center for American Progress estimates. The problems are also likely to extend beyond the hospital into everyday life. The Atlantic Council predicts that a rising number of sweltering days could zap some $100 billion a year from the nation's labor productivity.</p><p>For Nigrin, the full cost of extreme heat is something she's still grappling with.</p><p><a href="https://www.businessinsider.com/arizona-heat-so-hot-almost-killed-teacher-heatstroke-burns-2023-9"><em>Read more about her story here</em>.</a></p><h2>The true cost of volatile weather</h2><p>Dale Murden has the unflappable demeanor of a farmer who's been forced to deal with the ups and downs of a tough business. He's relied on that trait over his more than 40 years growing citrus and raising cattle in Harlingen, Texas.</p><p>But in recent years, he's witnessed swings that leave him wondering whether times are changing and whether his farm, near the Mexico border, will remain in a subtropical climate.</p><p>Murden watched in back-to-back seasons as a hurricane and then a deep freeze ruined huge portions of his grapefruit harvest and trees. Recovery has taken years.</p><div type="image" title="Owner of farm in orange orchard." height="3840" width="5760" msid="103845754" hostid="261" sizebytes="2181162"></div><p>As the weather gets more extreme, farmers are having a harder time knowing what to plan for. And supports such as crop insurance don't always cover all the costs that erratic weather delivers, particularly for fruit and vegetable growers. In Murden's case, some of his trees suffered damage when extreme cold dipped into the southern edge of Texas.</p><p>An increase in the intensity of cold snaps is one of the more-peculiar developments of a warmer world: The heat can dislodge the bands of cold air that normally hug the Arctic — sending cold air plunging south. That's what Murden experienced in February 2021 when he lost much of his grapefruit harvest.</p><p>Texas leads among states in both cumulative damages due to extreme weather and frequency of these events, a National Oceanic and Atmospheric Administration analysis going back to 1980 found.</p><p>The Texas citrus industry has experienced the fallout from volatile weather. Over the past two decades, citrus growers in Southeast Texas have produced nearly 274,000 tons of grapefruit and oranges on average each season. That was nearly cut in half during the 2020-21 season, according to data compiled by the Texas Valley Citrus Committee. The following year was even worse, yielding just under 74,000 tons.</p><p>Economists at Texas A&amp;M University tallied overall losses at nearly $228 million and more than 1,000 jobs because the citrus harvest relies on seasonal workers who pick fruit.</p><p>In states such as Texas, where costly weather is becoming the norm, it's getting harder for some farmers to get by. That's something Murden knows well.</p><p><em><a href="https://www.businessinsider.com/texas-farming-extreme-cold-heat-weather-swings-2023-9">Read more about his experience here.</a> </em></p><h2 id="gi-flood">The true cost of flooding</h2><p>Barb Grant has built her life's work around helping others. </p><p>For someone like Grant, being unable to help people in a crisis is an awful feeling. So when flood waters ripped through the offices of the nonprofit she runs in eastern Iowa, she felt helpless. She had to tell those she would normally assist that there wasn't much her community-aid organization could do for them. It, too, was dealing with ruinous flooding. </p><div type="image" title="Barb Grant standing on her newly renovated building." height="3023" width="4541" msid="103845756" hostid="261" sizebytes="701628"></div><p>The organization eventually recovered and was rebuilt on higher ground, yet whenever flooding is predicted, Grant feels on edge. </p><p>She's not alone. Many people have experienced flooding — not just those along the coasts or near rivers. Torrential rains and snowmelt mean flooding is an almost daily event in the US. It's so common that flooding is the most frequent — and costliest — type of natural disaster in the country, according to the nonprofit Pew Charitable Trusts.</p><p>Grant, like an increasing number of Americans, knows what often comes after a flood: a long recovery.</p><p><em><a href="https://www.businessinsider.com/flood-risks-american-businesses-nonprofit-iowa-still-recovering-2023-9">Read more about her story here.</a></em></p><h2><strong>The true cost of inaction </strong></h2><p>There is more to this story than a set of ruinous tragedies. Data suggests costs of extreme weather are trickling through the economy and could soon overwhelm our social safety net if left unchecked, economists told Insider. <br /><br />Doing nothing is a way to guarantee the tab continues to increase. <br /><br />It could also mean missing out on a huge opportunity. By taking action to curb emissions and move toward a more resilient economy, it's possible we could create a world where the climate crisis is just another pressure we need to deal with, rather than a string of unmanageable calamitous events.</p><p><em><a href="https://www.businessinsider.com/how-the-climate-crisis-can-change-make-economy-better-resilient-2023-9">Read about what could be ahead here.</a></em></p><h2>Credits</h2><span class="headline-bold">Reporters: </span><span class="headline-regular">Annie Fu, Morgan McFall-Johnsen, Catherine Boudreau, Jacob Zinkula, Marianne Guenot</span><br /><span class="headline-bold">Design, development, and graphics: </span><span class="headline-regular">Annie Fu</span><br /><span class="headline-bold">Editors: </span><span class="headline-regular">Tim Paradis, Matt Turner, Josée Rose</span><br /><span class="headline-bold">Copy editors: </span><span class="headline-regular">Nick Siwek, Jonann Brady</span><br /><span class="headline-bold">Design editor: </span><span class="headline-regular">Kazi Awal</span><br /><span class="headline-bold">Photo editor: </span><span class="headline-regular">Isabel Fernandez-Pujol</span><br /><span class="headline-bold">Photographers: </span><span class="headline-regular">Rachel Jessen, Miriam Alarcón Avila, Arin Yoon, Jason Garza, Courtesy of Barb Grant, Courtesy of Operation Threshold</span><br />

The true cost of extreme weather

<p style="text-align: left;">Insider's photo team covered a lot of ground this year, with staff photographers and freelancers around the globe. We photographed everything from the world's biggest tennis star to the lavish meals of Silicon Valley private chefs. We've ridden the Ukrainian railroad, and hiked the sandy dunes of Gran Canaria.</p><p style="text-align: left;">These are some of our favorite images from 2022.</p><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/four-day-workweek-company-bolt-productivity-jobs-fridays-weekends-2022-3">If you want a 4-day workweek, here's the proof you need to convince your boss it's a smart move</a></h4><h6 style="text-align: center;">Photos by Jason Henry<a href="https://www.businessinsider.com/four-day-workweek-company-bolt-productivity-jobs-fridays-weekends-2022-3"></a></h6><p><a href="https://www.businessinsider.com/four-day-workweek-company-bolt-productivity-jobs-fridays-weekends-2022-3"></a></p><div type="image" title="Kincy Clark talks to his son while standing at a DJ table in his living room." height="1667" width="2500" msid="96548831" hostid="261" sizebytes="308968"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/office-friendship-dead-remote-work-employers-turnover-great-resignation-2022-4">The office friendship is dead. That's bad for all of us — especially our employers</a></h4><h6 style="text-align: center;">Photos by Isabel Fernandez-Pujol</h6><p><a href="https://www.businessinsider.com/office-friendship-dead-remote-work-employers-turnover-great-resignation-2022-4"></a></p><div type="image" title="DO not use" height="1500" width="2000" msid="96548832" hostid="261" sizebytes="169266"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/brooklyns-hottest-nightspot-is-a-yemeni-coffee-shop-2022-5">For young Muslims, Brooklyn's hottest nightspot is a Yemeni coffee shop</a></h4><h6 style="text-align: center;">Photos by Ali Imam</h6><h4><a href="https://www.insider.com/brooklyns-hottest-nightspot-is-a-yemeni-coffee-shop-2022-5"><div type="image" title="TEST" height="975" width="1300" msid="96548835" hostid="261" sizebytes="58358"></div></a></h4><h4 style="text-align: center;"><a href="https://www.insider.com/serena-williams-interview-cover-story-2022-4">Serena's next serve</a></h4><h6 style="text-align: center;">Photos by Joshua Kissi</h6><p><a href="https://www.insider.com/serena-williams-interview-cover-story-2022-4"></a></p><div type="image" title="Serena Williams in a green dress." height="2048" width="1536" msid="96548836" hostid="261" sizebytes="164000"></div><p><a href="https://www.insider.com/serena-williams-interview-cover-story-2022-4https://www.insider.com/serena-williams-interview-cover-story-2022-4"></a></p><div type="image" title="TEST" height="1500" width="2000" msid="96548837" hostid="261" sizebytes="73082"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/best-things-to-do-in-kauai-hawaii-hidden-hikes-beaches-snorkeling">3 of the best hidden hikes on Kauai according to a Hawaii local, plus where to snorkel, see wildlife, and more</a></h4><h6 style="text-align: center;">Photos by Michelle Mishina</h6><h4><a href="https://www.insider.com/best-things-to-do-in-kauai-hawaii-hidden-hikes-beaches-snorkeling"><div type="image" title="TEST" height="1500" width="2000" msid="96548838" hostid="261" sizebytes="346336"></div></a></h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/inside-the-job-of-a-private-chef-in-silicon-valley-2022-4">Inside the life of Silicon Valley private chefs who make up to $170,000 to fly on private planes, drive Lamborghinis and live in California mansions</a></h4><h6 style="text-align: center;">Photos by Crystal Cox</h6><p><a href="https://www.businessinsider.com/inside-the-job-of-a-private-chef-in-silicon-valley-2022-4"></a></p><div type="image" title="TEST" height="1333" width="2000" msid="96548839" hostid="261" sizebytes="119526"></div><h4 style="text-align: center;"> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/mountain-girl-memoir-jerry-garcia-ken-kesey-merry-pranksters-sixties-2022-10">The long, strange trip of Mountain Girl</a></h4><h6 style="text-align: center;">Photos by Will Matsuda</h6><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/photographer-john-maclean-captures-images-of-isolation-in-us-cities-2022-3">This London-based photographer captures the complexity of human interaction in cities around the world</a></h4><h6 style="text-align: center;">Photos by John MacLean</h6><p><a href="https://www.insider.com/photographer-john-maclean-captures-images-of-isolation-in-us-cities-2022-3"></a></p><div type="image" title="test" height="976" width="1300" msid="96548841" hostid="261" sizebytes="162904"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/diane-guerrero-encanto-sexuality-deportation-parents-career-2022-10">Diane Guerrero is in bloom</a></h4><h6 style="text-align: center;">Photos by Josefina Santos</h6><p style="text-align: center;"><a href="https://www.insider.com/diane-guerrero-encanto-sexuality-deportation-parents-career-2022-10"></a></p><div type="image" title="test" height="3425" width="2500" msid="96548844" hostid="261" sizebytes="322214"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/amazon-expected-to-win-union-vote-in-bessemer-warehouse-again-2022-3">Amazon workers reveal why they're prepared to vote against unionizing in one of the most consequential elections in US history</a></h4><h6 style="text-align: center;">Photos by Rory Doyle</h6><p><a href="https://www.businessinsider.com/amazon-expected-to-win-union-vote-in-bessemer-warehouse-again-2022-3"></a></p><div type="image" title="test" height="1500" width="2000" msid="96548845" hostid="261" sizebytes="82308"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/dog-food-delivery-warehouse-online-shopping-emissions-2022-10">How getting dog food delivered to your door explains the inefficient, sometimes absurd, extremely convenient way online orders are shipped</a></h4><h6 style="text-align: center;">Photos by Crystal Cox</h6><p><a href="https://www.businessinsider.com/dog-food-delivery-warehouse-online-shopping-emissions-2022-10"></a></p><div type="image" title="A hand holding a bag of dog food above an open cardboard box, on an orange background." height="1334" width="2000" msid="96548847" hostid="261" sizebytes="76026"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/photographer-julie-poly-captures-delights-on-ukrainian-railroads-2022-4">This Ukrainian photographer captures the hidden eroticism and fantasy sub-culture of Ukrainian railroads</a></h4><h6 style="text-align: center;">Photos by Julie Poly</h6><p><a href="https://www.insider.com/photographer-julie-poly-captures-delights-on-ukrainian-railroads-2022-4"></a></p><div type="image" title="A woman with long hair hangs out of a train." height="2451" width="2000" msid="96548848" hostid="261" sizebytes="427638"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/climate-action-30-top-global-leaders-working-toward-climate-solutions-2022">Climate Action 30: 30 of the top global leaders working toward climate solutions</a></h4><h6 style="text-align: center;">Photos by Daniela Agostini, Alana Paterson, Crystal Cox, and others.</h6><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/dated-celebrity-he-is-married-do-i-tell-anyone-advice-2022-7">After dating a celebrity for 3 months, I learned he's married. Should I tell anyone?</a></h4><h6 style="text-align: center;">Photos by Crystal Cox</h6><p><a href="https://www.insider.com/dated-celebrity-he-is-married-do-i-tell-anyone-advice-2022-7"></a></p><div type="image" title="A hand holding a phone, with a Google search overlaid." height="1333" width="2000" msid="96548849" hostid="261" sizebytes="35228"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/tan-france-interview-baby-queer-eye-netflix-cover-story-2022-6">Tan France Finds his Joy</a></h4><h6 style="text-align: center;">Photos by Martin Schoeller</h6><p><a href="https://www.insider.com/tan-france-interview-baby-queer-eye-netflix-cover-story-2022-6"></a></p><div type="image" title="Tan France in midair, jumping across a hotel room with jacket in hand." height="1875" width="2500" msid="96548850" hostid="261" sizebytes="158498"></div><p><a href="https://www.insider.com/tan-france-interview-baby-queer-eye-netflix-cover-story-2022-6"></a></p><div type="image" title="Tan France stands on a pedestal in a room." height="1500" width="2000" msid="96548851" hostid="261" sizebytes="171806"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/things-to-do-in-los-angeles-california">10 places I love to go in Los Angeles as a local, from scenic hikes to outdoor movies and relaxed beaches</a></h4><h6 style="text-align: center;">Photos by Natasha Lee</h6><p><a href="https://www.insider.com/things-to-do-in-los-angeles-california"></a></p><div type="image" title="Los Angeles Beach" height="1499" width="2000" msid="96548852" hostid="261" sizebytes="223844"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/abortion-trigger-states-conversations-roe-supreme-court-first-13-2022-6">Inside the Post-Roe Future: Thirteen conversations from the front lines</a></h4><h6 style="text-align: center;">Photos by Andrea Ellen Reed, Caleb Alvarado, Callaghan O'Hare, Diane Durant, Erika Ramirez, Eunice Straight Head, Joe Martinez, Kristine Potter, Margaret Albaugh, Niko Krivanek, Rana Young, Rory Doyle, and Stacy Kranitz</h6><p><a href="https://www.businessinsider.com/abortion-trigger-states-conversations-roe-supreme-court-first-13-2022-6"></a></p><div type="image" title="A collage of multiple portraits." height="871" width="1440" msid="96548854" hostid="261" sizebytes="131292"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/chinatown-new-generation-future-nyc-new-york-2022-8">The Next Generation of Chinatown</a></h4><h6 style="text-align: center;">Photos by Jingyu Lin</h6><p><a href="https://www.insider.com/chinatown-new-generation-future-nyc-new-york-2022-8"></a></p><div type="image" title="Mei Lum stands with her grandmother, Po, who is sitting inside Wing on Wo." height="6968" width="5575" msid="96548855" hostid="261" sizebytes="1202246"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/donald-honors-ivana-despite-love-hate-relationship-with-funerals-2022-7">Donald Trump stars at Ivana Trump's funeral despite his love-hate relationship with funerals in general</a></h4><h6 style="text-align: center;">Photos by Erika Ramirez</h6><p><a href="https://www.businessinsider.com/donald-honors-ivana-despite-love-hate-relationship-with-funerals-2022-7"></a></p><div type="image" title="Donald Trump, Ivanka Trump, and Eric Trump stand in the doorway to a church." height="1500" width="2000" msid="96548857" hostid="261" sizebytes="191510"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/hgtv-star-carmeon-hamilton-on-mental-health-family-and-entrepreneurship-2022-5">After Carmeon Hamilton quit her full-time job, she became an HGTV interior-design star. She still puts her mental health first</a></h4><h6 style="text-align: center;">Photos by Houston Cofield</h6><p><a href="https://www.insider.com/hgtv-star-carmeon-hamilton-on-mental-health-family-and-entrepreneurship-2022-5"></a></p><div type="image" title="Carmeon Hamilton leaning back on a couch." height="1625" width="1300" msid="96548858" hostid="261" sizebytes="123968"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/things-to-do-in-canary-islands-spain">24 awe-inspiring places to go in the Canary Islands, from dazzling sand dunes to volcano treks and secluded beach coves</a></h4><h6 style="text-align: center;">Photos by Ricardo Cases Marin and Rubén Acosta</h6><p><a href="https://www.insider.com/things-to-do-in-canary-islands-spain"></a></p><div type="image" title="A large expanse of desert dunes, with two small figures walking along in the distance." height="975" width="1300" msid="96548860" hostid="261" sizebytes="64684"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/union-leaders-at-amazon-starbucks-target-trader-joes-wells-fargo-2022-9">Meet the union leaders powering a wave of organizing at Amazon, Starbucks, Target, and more</a></h4><h6 style="text-align: center;">Photos by Alycee Byrd, Erika Ramirez, Joe Martinez, Meron Meghistab, and Simon Simard</h6><h4> </h4><h4 style="text-align: center;"><a href="https://www.insider.com/transgender-hate-crimes-homicides-transphobia-insider-investigation-2022-11">Insider identified at least 15 killings over 5 years driven by transphobia. The killers were mostly young men who turned violent after being intimate with a transgender woman</a></h4><h6 style="text-align: center;">Photos by Kristina Barker and Sylvia Jarrus</h6><p><a href="https://www.insider.com/transgender-hate-crimes-homicides-transphobia-insider-investigation-2022-11"></a></p><div type="image" title="A hand holding a key on a chain." height="2400" width="3600" msid="96548861" hostid="261" sizebytes="144308"></div><p><a href="https://www.insider.com/transgender-hate-crimes-homicides-transphobia-insider-investigation-2022-11"></a></p><div type="image" title="Julisa Abad stands on a trail in a wooded area." height="3333" width="5000" msid="96548864" hostid="261" sizebytes="918046"></div><h4> </h4><h4 style="text-align: center;"><a href="https://www.businessinsider.com/beef-prices-higher-drought-fewer-cattle-less-meat-2022-8">Steak and burgers cost more these days. Drought may keep prices high for years</a></h4><h6 style="text-align: center;">Photos by Andri Tambunan</h6><p><a href="https://www.businessinsider.com/beef-prices-higher-drought-fewer-cattle-less-meat-2022-8"></a></p><div type="image" title="Scott Stone smells some hay." height="3527" width="5291" msid="96548866" hostid="261" sizebytes="2208736"></div>

The year in photos: The most eye-catching, outstanding images from Insider in 2022

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