Actually - I asked at the last AGM the question how they see the risk of their securities in Australia being exposed to climate change (fire, drought, flooding, sea level rise). Not sure I (or they) expected the issue to come up that fast ... but from memory they said at the time that most of their customers live in suburban areas and that they have insurance ...
If / When the outskirts of Sydney, Melbourne and Adelaide go up in flames and the house insurers start showing stress signals then it might be a good time to review our holding in HGH shares ...