problem solving with position year 2

Year 2 | Problem Solving With Position Worksheets

Year 2 position and direction resources

Aligned with the maths mastery approach,  these differentiated  Year 2 | Problem Solving With Position Worksheets   are designed to save you time whilst delivering high quality learning experiences for children.

Topic: Geometry – position and direction

Combine with our lesson plan, lesson presentations, revision mat and activity cards for a complete maths lesson, complete with National Curriculum links, vocabulary, TAF statements, small steps, differentiation and ready to progress criteria.

Explore our year 2 summer block 2 resources.

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Problem solving with position

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Position and Direction : Year 2 - White Rose Maths

Subject: Mathematics

Age range: 5-7

Resource type: Unit of work

Last updated

4 February 2024

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This resource contains the first of three packs designed to support the delivery of the White Rose Maths Scheme Year 2 Geometry: Position and Direction - Weeks 1-3 of the Summer Term.

The resource focuses on the following White Rose Maths ‘small steps’

Describing movement Describing turns Describing movement and turns Making patterns with shapes

The resource contains 21 worksheets / activities (concrete, pictorial and abstract) linked to the above small steps with an emphasis on the mastery approach to learning advocated by the White Rose scheme and includes reasoning and problem-solving tasks. Answer keys and solutions are included.

These resources will develop the pupils ability to achieve the following Year 2 Maths National Curriculum Objectives:-

Use mathematical vocabulary to describe position, direction and movement including movement in a straight line and in distinguishing between rotation as a turn and in terms of right angles for quarter, half and three-quarter turns (clockwise and anti-clockwise directions).

Order and arrange combinations of mathematical objects in patterns and sequences.

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** Year 2 Geometry: Position and Direction - Week 2 **

Year 2 Geometry: Position and Direction - Week 3

Year 2 Geometry: Position and Direction Bundle

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Position and Direction: Year 2 - White Rose Maths

This resource contains three packs of worksheets and activities designed to support the delivery of the White Rose Maths Scheme Year 2 Geometry: Position and Direction - Weeks 1-3 of the Summer Term. The resource focuses on the following White Rose Maths small steps: 1. Describing movement 2. Describing turns 3. Describing movement and turns 4. Making patterns with shapes The resource contains 43 worksheets / activities (concrete, pictorial and abstract) linked to the above small steps with an emphasis on the mastery approach to learning advocated by the White Rose scheme and includes reasoning and problem-solving tasks. Answer keys and solutions are included. These resources will develop the pupils ability to achieve the following Year 2 Maths National Curriculum Objectives:- Use mathematical vocabulary to describe position, direction and movement including movement in a straight line and in distinguishing between rotation as a turn and in terms of right angles for quarter, half and three-quarter turns (clockwise and anti-clockwise directions). Order and arrange combinations of mathematical objects in patterns and sequences. *If you buy this resource and are pleased with your purchase, I would be extremely grateful if you could leave a review. As a token of appreciation, you can have a free resource of your choice up to the same value as your purchased resource. Just email [email protected] with your user name, the resource you have reviewed and the resource you would like for free.* **[More Maths Resources](https://www.tes.com/resources/search/?authorId=884045&q=%20&shop=Krazikas&subjects=GB%7C0%7CMathematics%7C)**

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Describing Movement Year 2 Position and Direction Free Resource Pack

Step 1: Describing Movement Year 2 Summer Block 1 Resources

This Describing Movement Year 2 Resource Pack includes a teaching PowerPoint and differentiated varied fluency and reasoning and problem solving resources for Summer Block 1, Year 2: Position and Direction.

What's included in the pack?

This pack includes:

• Describing Movement Year 2 Teaching PowerPoint.
• Describing Movement Year 2 Varied Fluency with answers
• Describing Movement Year 2 Reasoning and Problem Solving with answers.

National Curriculum Objectives

Mathematics Year 2: (2P2) Use mathematical vocabulary to describe position, direction and movement, including movement in a straight line and distinguishing between rotation as a turn and in terms of right angles for quarter, half and three-quarter turns (clockwise and anticlockwise)

Differentiation:

Varied Fluency Developing  Questions to support using language to describe one-step movement of 2D shapes in a straight line (left, right, up, down). Expected  Questions to support using language to describe one-step movement of objects that are facing a direction (forwards, backwards, left, right). Greater Depth  Questions to support using language to describe multi-step movements of objects that are facing a direction (forwards, backwards, left, right).

Reasoning and Problem Solving Questions 1, 4 and 7 (Reasoning) Developing  Two shapes are given on a grid. Explain if a sentence describing their location to each other is correct. Expected  Two objects facing a direction are on a grid. Explain if a sentence describing a one-step route between them is correct. Greater Depth  Two objects facing a direction are on a grid. Explain if a sentence describing a two-step route between them is correct.

Questions 2, 5 and 8 (Problem Solving) Developing  Write a statement describing how one shape must move on a grid. Expected  Write statements describing how two creatures must move to get to an object on a grid (one-step movements). Greater Depth  Write statements describing how two creatures must move to get to an object on a grid (two-step movements).

Questions 3, 6 and 9 (Problem Solving) Developing Use one-step directions to locate a hidden shape on a grid. Expected  Use one-step directions to locate hidden treasure on a grid. Greater Depth Use two-step directions to locate hidden treasure on a grid.

This resource is available to download with a Taster subscription.

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Year 2 Maths Worksheets UK Hub Page

Welcome to Math Salamanders Year 2 Maths Worksheets hub page.

In our Year 2 area, you will find a wide range of printable math worksheets and Maths activities for your child to enjoy.

Come and take a look at our dot-to-dot pages, or our maths games. Perhaps you would prefer our 2d shape worksheets, or learning about numbers using our number line worksheets?

Hopefully you will find something here to meet your child's maths requirements!

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• This page contains links to other Math webpages where you will find a range of activities and resources.
• If you can't find what you are looking for, try searching the site using the Google search box at the top of each page.

Year 2 Maths Learning

Here are some of the key learning objectives for the end of Year 2:

• know and use Place value up to 100
• Compare and order numbers up to 100
• Counting on and back in 1s and 10s
• count in 2s, 5s and 10s
• Position numbers on a number line up to 1000
• use addition and subtraction facts to 20
• use related facts for addition and subtraction
• add or subtract 1 or 10 from a 2-digit number
• add and subtract 2-digit numbers
• number bonds to 100 using tens only
• add three single-digit numbers
• recognise and make equal groups
• use the x symbol to write multiplication sentences
• use arrays and pictures to represent multiplication sentences
• know multiplication facts for the 2, 5 and 10 times table
• recognise and find a half, a quarter and a third
• understand and use fraction notation
• understand the equivalence of a half and two-quarters
• count on in halves, thirds and quarters up to 10
• count in pence: 1p, 2p ,5p, 10p and 20p
• count in pounds: £1, £2, £5, £10 and £20
• find a simple total or difference between two money amounts
• find the change from simple amounts
• tell the time: o'clock, half-past, quarter-past and to
• understand and compare durations of time
• compare and measure length, mass, volume, capacity and temperature
• read a variety of scales going up in 1s, 2s, 5s and 10s
• recognise 2D and 3D shapes
• count sides and vertices on 2D shapes
• count faces, edges and vertices on 3D shapes
• sort and make patterns with 2D and 3D shapes
• describe movement and turns
• make tally charts
• draw and interpret pictograms
• understand and use block diagrams

Please note:

Our site is mainly based around the US Elementary school math standards.

Though the links on this page are all designed primarily for students in the US, but they are also at the correct level and standard for UK students.

The main issue is that some of the spelling is different and this site uses US spelling.

Year 2 is generally equivalent to 1st Grade in the US.

On this page you will find link to our range of math worksheets for Year 2.

Quicklinks to Year 2 ...

• Place Value Zone

Operations Zone

• Mental Math Zone

Word Problems Zone

• Measurement Zone

Geometry Zone

Data analysis zone.

• Fun Zone: games and puzzles

Coronavirus Stay At Home Support

For those parents who have found themselves unexpectedly at home with the kids and need some emergency activities for them to do, we have started to develop some Maths Grab Packs for kids in the UK.

Each pack consists of at least 10 mixed math worksheets on a variety of topics to help you keep you child occupied and learning.

The idea behind them is that they can be used out-of-the-box for some quick maths activities for your child.

They are completely FREE - take a look!

• Free Maths Grabs Packs

Place Value & Number Sense Zone

Year 2 Place Value Charts

Here you will find a range of Free Printable Place Value Charts for Year 2.

These printable charts will help your child learn to read and write numbers.

Some of the charts are partially filled to help your child learn their place value.

Using these sheets will help your child to:

• learn to count in tens and ones;
• learn to read and write numbers.
• Printable Number Charts 0-99
• Hundred Number Charts (100 Squares)
• Number Grid up to 200

Place Value and Counting Worksheets

Here you will find a range of Year 2 Place Value Worksheets.

These Year 2 maths worksheets will help your child learn their place value, reading, writing and ordering numbers up to 100.

There are also some money worksheets involving counting in dimes and pennies to support place value learning.

• learn to order numbers to 100;
• learn to count in dimes and pennies;
• learn to read and write numbers to 100.

Year 2 Place Value Worksheets

• Place Value to 20 Worksheets
• Math Place Value Worksheets Tens and Ones
• Ordering 2-digit numbers Worksheets
• Greater than Less than Worksheets - up to 2 digit numbers
• Printable Counting Worksheets to 50
• Missing Number Chart 1-100
• Counting by 2s Worksheets
• Math Worksheets Counting by 1s 5s and 10s

Number Line Worksheets

Here is our selection of free printable number line worksheets for Year 2 pupils.

These first grade math worksheets will give your child a good grasp of place value and number sequences up to 100.

• count on and back by ones;
• position numbers to 100 on a number line.
• Number lines to 20
• Number lines to 100

Year 2 Mental Maths Zone

Here you will find a range of printable mental math sheets designed especially for Year 2 children.

Each quiz tests the children on a range of math topics from number facts and mental arithmetic to geometry, solving word problems and measures questions.

A great way to revise topics, or use as a weekly math quiz!

• Year 2 Printable Mental Maths

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Year 2 Addition Worksheets

Here you will find a range of Free Printable Addition Worksheets to support Year 2.

The following first grade math worksheets involve adding different amounts.

• learn their addition facts to 12+12;
• learn to solve an addition fact where one of the addends is missing;
• learn to add numbers in columns up to 100.
• Number Bonds to 10 and 12
• Addition Sentences to 12
• Addition Fact Practice to 12
• Addition Facts to 20 Worksheets
• Adding tens
• Addition Word Problems
• 2 Digit Addition Without Regrouping
• 2 Digit Addition Worksheets With Regrouping
• Free Addition Worksheets (randomly generated)

Year 2 Subtraction Worksheets

Here you will find a range of Year 2 Subtraction Worksheets.

The following worksheets involve using the Math skills of subtracting.

Using these Year 2 maths worksheets will help your child to:

• learn their addition and subtraction facts to 12;
• learn to subtract 2 digit numbers.
• Subtraction Facts to 12
• Subtracting tens
• Subtraction Word Problems
• Two Digit Subtraction Worksheets Without Regrouping
• 2 Digit Subtraction Worksheets With Regrouping
• Free Subtraction Worksheets (randomly generated)

Addition & Subtraction Worksheets

If you need to mix and match addition and subtraction fact questions within the same sheet, then use this section here.

The addition and subtraction worksheets involve counting on and back with numbers to 12.

• Math Activities Addition and Subtraction to 12
• Add and Subtract 10 Worksheets
• Addition Subtraction Worksheets (randomly generated)
• Addition and Subtraction Problems

Year 2 Maths Word Problems

Here you will find a range of math word problems aimed at Year 2 level. Each problem sheet is based on an interesting theme such as parties or the seaside.

• Add and subtract with numbers to 12;
• order numbers to 100;
• solve a range of math problems.
• Maths Problems for Year 2

Longer Math Problems

• Year 2 Maths Problems (1st Grade)

Year 2 Geometry Worksheets

Here is a range of free geometry worksheets for Year 2 pupils.

The following worksheets will help your child to:

• Identify and name a range of 2d and 3d shapes;
• Draw 2d shapes;
• Know some of the properties of 2d shapes.
• Year 2 Geometry Worksheets (1st Grade)

Measurement Zone, including Time & Money

Year 2 measurement worksheets.

Here is our selection of measurement worksheets for Year 2 pupils.

These sheets involve reading scales going up in ones to find the weight or liquid capacity.

Using these sheets will help children to consolidate their counting as well as learning to read a simple scale.

• Year 2 Measurement Worksheets (1st Grade)

Year 2 Money Worksheets

Here you will find a range of free printable First Grade Money Worksheets.

The following worksheets involve counting different amounts of money in pennies, nickels and dimes.

• learn the names and values of the US coins;
• learn to count up different amounts of money to £1 in coins.
• Free Counting Money Worksheets UK Coins (easier)
• Free Money Worksheets UK Coins up to £1

Printable Money Resources

• Printable Money Flashcards
• Kids Counting Money Dominoes

Telling the Time Worksheets

Here is our selection of telling the time worksheets for 1st grade.

• read o'clock and half-past times;
• convert o'clock and half-past times to digital;
• draw clock hands correctly to mark out o'clock and half-past.

The year 2 maths worksheets in this section will help your child learn to tell simple times on an analogue clock.

• Telling Time Worksheets o'clock and half-past
• Clock Worksheets - Quarter Past and Quarter To

Year 2 Bar Graph Worksheets

Here is our selection of bar graphs for first graders.

These Year 2 maths worksheets involve reading and interpreting a range of bar graphs and picture graphs with a scale going up in ones.

Using these sheets will help children to understand how bar graphs work.

• Year 2 Picture/Bar Graphs (First Grade)

Fun Zone: Puzzles, Games and Riddles

Year 2 Maths Games

Here you will find a range of free printable Math games. All children like to play Math games, and you will find a good range of Maths Games at a Year 2 level here for your child to play and enjoy.

• Year 2 Maths Games (First Grade)

Year 2 Maths Puzzles

Here you will find a range of printable Year 2 level math puzzles for your child to enjoy.

The puzzles will help your child practice and apply their addition and subtraction facts as well as developing their thinking and reasoning skills in a fun and engaging way.

Using these puzzles will help your child to:

• develop thinking and reasoning skills;
• develop perseverance.
• Year 2 Maths Puzzles (1st Grade)
• Dot to Dot up to 50

Math Salamanders Year 2 Maths Games Ebook

Our Year 2 Maths Games Ebook contains all of our fun maths games, complete with instructions and resources.

This ebooklet is available in our store - use the link below to find out more!

• Year 2 Maths Games Ebook

Other UK Maths Worksheet pages

See below for our other maths worksheets hub pages designed for children in the UK.

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45 year 2 maths questions

Learn how to master year 2 maths word problems with these 45 maths questions! Answers included.

Author Michelle Griczika

Published February 2024

• Key takeaways
• Addition & Subtraction : Adding and subtracting numbers is like solving puzzles and helps us with real-life situations.
• Word Problems : Solving word problems makes maths fun and helps us become better readers and problem solvers.
• Place Value : Understanding place value helps us read and write numbers correctly and compare their values.
• Measurement & Time : Measuring objects and telling time help us understand the world around us and manage our daily routines.
• Geometry (Shapes) : Recognizing shapes and their properties helps us see the world in a new way and understand how things are put together.

Table of contents

• Addition and Subtraction
• Word Problems
• Place Value
• Geometry (Shapes)

Did you know that ladybugs have spots on their backs?

If a ladybug has 2 spots on its back and it gets 1 more spot, how many spots will the ladybug have in total?

The lady bug will have 3 spots!

Year 2 maths word problems are like fun puzzles that help us use our maths skills to solve real-life situations. They are essential to year 2 maths, and practising them can help us become maths superstars!

• We can use addition and subtraction to determine how many cookies are left in a jar, how many friends are on the playground, or even how many apples are in a basket.
• Understanding place value is like being a number detective. It helps us read big numbers and know the value of each digit, so we can count things like how many toys we have or how many days until our birthday.
• Measuring things and telling time is like being an explorer in the real world. We can measure how tall we are, how long a pencil is, or even how much water is in a glass. And knowing how to read a clock helps us know when it’s time for fun activities or when it’s time to go to bed.
• Shapes are like building blocks of the world around us. We can learn about squares, triangles, and circles by looking at objects we see every day. It’s like being a shape detective, finding out how many sides and corners they have, and how they fit together like puzzle pieces in year 2 maths questions.

All of these skills are necessary for year 2 maths practice! Use these 45 maths questions to go over important maths skills needed to strengthen your student’s understanding and knowledge.

Today, we are going to practise different year 2 maths skills that cover measurement, addition and subtraction, and more! Once you are done, check your work with our answer sheet!

Section 1: Addition & subtraction

Section 2: word problems, section 3: place value, section 4: geometry (shapes), section 5: time.

What time is the clock below telling?

Time answer sheet

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

Lesson credits

Michelle Griczika

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

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Problem-solving maths investigations for year 2.

Hamilton provide an extensive suite of problem-solving maths investigations for Year 2 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 2 .

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 2:

• Individually, they are incorporated into every unit in our Year 2 flexible maths blocks .
• Collectively, they appear on our resources page where you can explore all our in-depth problem solving investigations for Year 2 .

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 2 Maths Worksheets and Teaching Resources

Gain access to our Year 2 Resources here

Year 2 is an exciting time for children. They’ve completed their first year of formal education and they’re ready to tackle more advanced lessons.

Children will spend Year 2 working towards the end of their Key Stage 1 journey. They’ll continue developing foundational knowledge in core subjects and by the end of the year, they’ll be ready and keen to embrace more complex lessons and a more independent learning style.

As for Year 2 maths, children will consolidate their knowledge of maths fundamentals while developing their maths reasoning and problem-solving abilities. When it comes to making sure children engage with the Year 2 maths curriculum, learning resources are hugely important. The best learning materials will help children see just how fun maths can be — they’ll get children excited to learn.

Master the Curriculum is here to provide teachers and parents with all of the Year 2 maths resources they need to help children embrace learning with a smile. From maths worksheets to teaching slides, to interactive videos, our resources can help children master maths and have fun while doing so.

Editable Worksheets

Downloadable Lesson Plans

White Rose Supporting

Reasoning Maths resources

What Types Of Year 2 Teaching Resources Do We Offer?

Year 2 White Rose Maths Resources: Learning Materials That Support Teaching For Mastery

Millions of parents, teachers and children all over the UK have discovered the incredible benefits of the White Rose Maths approach. White Rose is all about teaching for mastery, showing all children that they have the potential to become confident mathematicians and encouraging little ones to have fun with number problems.

Here at Master the Curriculum, we’re big fans of the White Rose approach, which is why our Year 2 maths resources are aligned with the White Rose Maths frameworks and small steps to progression.By using our resources to follow the White Rose small steps, you can help children become enthusiastic maths whizzes. They’ll develop a deep understanding of basic maths concepts, and with strong foundational knowledge, they’ll be ready and excited to tackle more challenging number problems as the year goes on.

Our White Rose-style resources are also differentiated (by complexity, not by number), making them perfect for children with varying levels of attainment. Pupils who grasp concepts more quickly than others can deepen their understanding with more complex fluency tasks, rather than move on to new content and topics ahead of their classmates. This way, you can make sure your whole class moves through content at the same pace — no one falls behind or misses out on learning opportunities.

Want to learn more about White Rose Maths and how our resources support this approach? Head over to our Supporting White Rose Maths Hub, where you’ll find everything you need to know and more!

The Year 2 Maths Curriculum: What Will Children Learn?

The Year 2 maths curriculum focuses on making sure children develop a breadth of mathematical knowledge. The lessons children learn during this school year will act as the building blocks for more advanced learning when they progress to Key Stage 2.

So children in Year 2 will study a variety of interconnected maths topics: *Number and Place Value *Addition and Subtraction *Multiplication and Division *Fractions *Measurement *Geometry *Statistics

By exploring each of these topics, children will develop well-rounded mathematical understanding and reasoning abilities.

Resources And Worksheets For The Year 2 Maths Curriculum

As a team of teachers, we know effective teaching resources and maths worksheets can play a huge role in helping children learn and apply mathematical ideas. The right resources will be engaging and fun to complete — they’ll challenge children and spark curiosity. So we’ve created a wide variety of educational and enjoyable Year 2 maths resources for all abilities.

The types of resources you’ll find on Master the Curriculum include maths worksheets, teaching slides, vocab cards, interactive maths videos and Teacher Assessment Framework (TAF) resources.

Why Use Our Year 2 Maths Worksheets And Resources?

Parents and teachers often spend hours trying to find the best learning materials for the classroom and at-home learning. But Master the Curriculum is here to make sourcing Year 2 maths resources as easy as possible.

We have hundreds of maths resources you can download in a flash. We carefully design each resource to bring maths lessons to life and help children master the Year 2 maths curriculum.

Our Resources Are Both Fun and Educational

As teachers, we know education and fun go hand in hand to help children achieve academic success.

So our Year 2 maths worksheets and teaching resources are designed to be enjoyable as well as educational. They include fun visual elements and give children the chance to apply their mathematical knowledge to imaginative situations. Using resources from Master the Curriculum, teachers and parents can help children develop a love of learning.

Help Children Apply Mathematical Knowledge

The Year 2 maths curriculum aims to help children develop their problem-solving abilities. So our resources give children the chance to apply their maths skills to different situations. They use fun and colourful imagery and imaginative scenarios to create different contexts.

Our resources help children see maths is an important part of everyday life and that maths skills can apply to just about any situation.

We Have Year 2 Maths Resources for All Abilities

Every child is unique, which means different children progress at different rates. But every child has the potential to master maths, with the right help. So we’ve created a variety of differentiated maths worksheets that can help children of all abilities master Year 2 maths lessons.

These worksheets are differentiated by complexity rather than by number, so all children can work and challenge themselves within learning objectives.

Perfect for Use in the Classroom or at Home

Parents and teachers can easily and instantly download Master the Curriculum resources. They’re perfect for using in the classroom to complement lessons, or for at-home learning.

Our packs of worksheets and teaching slides can help teachers plan several lessons in advance, while resources such as our “10 Minute Maths” activities are great for quick homework tasks.

Streamline Lesson Planning

Finding resources to accompany lesson plans is often one of the most time-consuming aspects of lesson planning. But with a Year 2 Master the Curriculum membership, you’ll have access to all of the maths resources you could ever need, all in one place.

Our collection of resources also includes packs of weekly editable worksheets and teaching slides, which can help you plan week to week lessons for each term.

Access All Of Our Year 2 Resources

Accessing our Year 2 maths resources couldn’t be easier. All you need to do is choose the membership option that’s right for you, and download the resources of your choice.

Many of our maths worksheets are completely free. All you need to do is sign up for a free account. Then you can instantly download and print any of our free maths worksheets. You can also purchase any of our premium resources.

However, if you want to gain unlimited access to all of our resources — free and premium — you can sign up for an annual membership.

A Year 2 Membership is just £55 a year and it will give you access to all of our Year 2 resources, including worksheets, teaching slides, interactive videos and more. Or if you’d rather unlock all of our primary maths resources, for Years 1-6, you can sign up for a Full Access membership for just £77 per year.

Browse Our Year 2 Maths Resources By Topic

We have maths resources for every topic on the Year 2 maths curriculum to help children master all angles of Year 2 maths. From number and place value activities to statistics vocabulary cards, our extensive range of Year 2 learning materials can help children explore new mathematical ideas and practice skills to improve their mathematical fluency.

To help you find the right resources for your lessons or at-home learning sessions, we’ve organised our Year 2 maths resources by topic.

Year 2 Resources

Maths assessments year 2.

Practical Maths Activities

Maths vocabulary.

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Number and Place Value

Addition and Subtraction

Multiplication and Division

Measurement

Teacher Assessment Framework

Working at Greater Depth

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Working within age-related expectations

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Get a simple definition of the concept of number and the difference between cardinal, ordinal and nominal numbers with this fun animation.

2. Play a matching game

Your child will be expected to write numbers up to 100 using numerals and words. You could support their learning by playing a matching game.

Make two sets of simple cards or pieces of paper. On one set of cards, write numbers in numerals (for example, ’67’). On another set of cards, write the matching number names (for example, ‘sixty-seven’). Mix all the cards up and play snap.

Activity: Number words

3. Compare and order numbers

Encourage you child to talk through how they know that one number is bigger or smaller than another:

I know that 32 is smaller than 76, because 32 only has 3 tens, and 76 has 7 tens.

Encourage your child to use more than (>) and less than (<) symbols when comparing numbers. For example, they could write 32 < 76 or 76 > 32.

You could practise ordering with a card game. Write twenty two-digit numbers and the ‘>’ and ‘<‘ symbols on separate pieces of paper. Deal your child two numbers, face down. Ask them to turn over the pieces of paper and to use the ‘>’ and ‘<‘ symbols to show which number is bigger or smaller.

Activity: Number statements

When your child is counting objects, ask them to estimate how many there are before they count them. Being able to make accurate estimates within mathematics is a valuable skill we use in everyday life. It will help them to tell if their answers to maths problems are reasonable or not.

When counting more than ten objects in a set, it is an important skill for your child to be able to group objects in groups of ten. For example, if they are counting 36 buttons, encourage them to begin by counting out buttons into groups of ten. They will then have 3 groups of ten buttons and 6 buttons on their own.

Activity: Counting coins

5. Partition numbers in different ways

Partitioning means to break numbers into parts. Use practical resources, such as straws grouped in tens, to partition numbers in different ways. For example, the number 54 can be partitioned into 50 + 4, 40 + 14, 30 + 24, 20 + 34, or 10 + 44.

This will help your child to see patterns in numbers as they develop their calculation skills.

6. Using number facts

To help reinforce your child’s understanding of number, try to find everyday opportunities for them to use known number facts to solve problems.

This is a really easy thing to do at home and in the shops. For example:

‘If we buy 7 apples and 3 bananas – how many pieces of fruit do we have altogether?’   ‘If we have 10 people coming to your party and we have 5 party bags, how many more do we need to buy?’

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Watch CBS News

Teens come up with trigonometry proof for Pythagorean Theorem, a problem that stumped math world for centuries

By Bill Whitaker

May 5, 2024 / 7:00 PM EDT / CBS News

As the school year ends, many students will be only too happy to see math classes in their rearview mirrors. It may seem to some of us non-mathematicians that geometry and trigonometry were created by the Greeks as a form of torture, so imagine our amazement when we heard two high school seniors had proved a mathematical puzzle that was thought to be impossible for 2,000 years. 

We met Calcea Johnson and Ne'Kiya Jackson at their all-girls Catholic high school in New Orleans. We expected to find two mathematical prodigies.

Instead, we found at St. Mary's Academy , all students are told their possibilities are boundless.

Come Mardi Gras season, New Orleans is alive with colorful parades, replete with floats, and beads, and high school marching bands.

In a city where uniqueness is celebrated, St. Mary's stands out – with young African American women playing trombones and tubas, twirling batons and dancing - doing it all, which defines St. Mary's, students told us.

Junior Christina Blazio says the school instills in them they have the ability to accomplish anything. 

Christina Blazio: That is kinda a standard here. So we aim very high - like, our aim is excellence for all students. 

The private Catholic elementary and high school sits behind the Sisters of the Holy Family Convent in New Orleans East. The academy was started by an African American nun for young Black women just after the Civil War. The church still supports the school with the help of alumni.

In December 2022, seniors Ne'Kiya Jackson and Calcea Johnson were working on a school-wide math contest that came with a cash prize.

Ne'Kiya Jackson: I was motivated because there was a monetary incentive.

Calcea Johnson: 'Cause I was like, "$500 is a lot of money. So I-- I would like to at least try."

Both were staring down the thorny bonus question.

Bill Whitaker: So tell me, what was this bonus question?

Calcea Johnson: It was to create a new proof of the Pythagorean Theorem. And it kind of gave you a few guidelines on how would you start a proof.

The seniors were familiar with the Pythagorean Theorem, a fundamental principle of geometry. You may remember it from high school: a² + b² = c². In plain English, when you know the length of two sides of a right triangle, you can figure out the length of the third.

Both had studied geometry and some trigonometry, and both told us math was not easy. What no one told  them  was there had been more than 300 documented proofs of the Pythagorean Theorem using algebra and geometry, but for 2,000 years a proof using trigonometry was thought to be impossible, … and that was the bonus question facing them.

Bill Whitaker: When you looked at the question did you think, "Boy, this is hard"?

Ne'Kiya Jackson: Yeah. 

Bill Whitaker: What motivated you to say, "Well, I'm going to try this"?

Calcea Johnson: I think I was like, "I started something. I need to finish it." 

Bill Whitaker: So you just kept on going.

Calcea Johnson: Yeah.

For two months that winter, they spent almost all their free time working on the proof.

CeCe Johnson: She was like, "Mom, this is a little bit too much."

CeCe and Cal Johnson are Calcea's parents.

CeCe Johnson:   So then I started looking at what she really was doing. And it was pages and pages and pages of, like, over 20 or 30 pages for this one problem.

Cal Johnson: Yeah, the garbage can was full of papers, which she would, you know, work out the problems and-- if that didn't work she would ball it up, throw it in the trash. 

Bill Whitaker: Did you look at the problem? 

Neliska Jackson is Ne'Kiya's mother.

Neliska Jackson: Personally I did not. 'Cause most of the time I don't understand what she's doing (laughter).

Michelle Blouin Williams: What if we did this, what if I write this? Does this help? ax² plus ….

Their math teacher, Michelle Blouin Williams, initiated the math contest.

Bill Whitaker: And did you think anyone would solve it?

Michelle Blouin Williams: Well, I wasn't necessarily looking for a solve. So, no, I didn't—

Bill Whitaker: What were you looking for?

Michelle Blouin Williams: I was just looking for some ingenuity, you know—

Calcea and Ne'Kiya delivered on that! They tried to explain their groundbreaking work to 60 Minutes. Calcea's proof is appropriately titled the Waffle Cone.

Calcea Johnson: So to start the proof, we start with just a regular right triangle where the angle in the corner is 90°. And the two angles are alpha and beta.

Bill Whitaker: Uh-huh

Calcea Johnson: So then what we do next is we draw a second congruent, which means they're equal in size. But then we start creating similar but smaller right triangles going in a pattern like this. And then it continues for infinity. And eventually it creates this larger waffle cone shape.

Calcea Johnson: Am I going a little too—

Bill Whitaker: You've been beyond me since the beginning. (laughter) 

Bill Whitaker: So how did you figure out the proof?

Ne'Kiya Jackson: Okay. So you have a right triangle, 90° angle, alpha and beta.

Bill Whitaker: Then what did you do?

Ne'Kiya Jackson: Okay, I have a right triangle inside of the circle. And I have a perpendicular bisector at OP to divide the triangle to make that small right triangle. And that's basically what I used for the proof. That's the proof.

Bill Whitaker: That's what I call amazing.

Ne'Kiya Jackson: Well, thank you.

There had been one other documented proof of the theorem using trigonometry by mathematician Jason Zimba in 2009 – one in 2,000 years. Now it seems Ne'Kiya and Calcea have joined perhaps the most exclusive club in mathematics. 

Bill Whitaker: So you both independently came up with proof that only used trigonometry.

Ne'Kiya Jackson: Yes.

Bill Whitaker: So are you math geniuses?

Calcea Johnson: I think that's a stretch. 

Bill Whitaker: If not genius, you're really smart at math.

Ne'Kiya Jackson: Not at all. (laugh) 

To document Calcea and Ne'Kiya's work, math teachers at St. Mary's submitted their proofs to an American Mathematical Society conference in Atlanta in March 2023.

Ne'Kiya Jackson: Well, our teacher approached us and was like, "Hey, you might be able to actually present this," I was like, "Are you joking?" But she wasn't. So we went. I got up there. We presented and it went well, and it blew up.

Bill Whitaker: It blew up.

Calcea Johnson: Yeah. 

Ne'Kiya Jackson: It blew up.

Bill Whitaker: Yeah. What was the blowup like?

Calcea Johnson: Insane, unexpected, crazy, honestly.

It took millenia to prove, but just a minute for word of their accomplishment to go around the world. They got a write-up in South Korea and a shout-out from former first lady Michelle Obama, a commendation from the governor and keys to the city of New Orleans. 

Bill Whitaker: Why do you think so many people found what you did to be so impressive?

Ne'Kiya Jackson: Probably because we're African American, one. And we're also women. So I think-- oh, and our age. Of course our ages probably played a big part.

Bill Whitaker: So you think people were surprised that young African American women, could do such a thing?

Calcea Johnson: Yeah, definitely.

Ne'Kiya Jackson: I'd like to actually be celebrated for what it is. Like, it's a great mathematical achievement.

Achievement, that's a word you hear often around St. Mary's academy. Calcea and Ne'Kiya follow a long line of barrier-breaking graduates. 

The late queen of Creole cooking, Leah Chase , was an alum. so was the first African-American female New Orleans police chief, Michelle Woodfork …

And judge for the Fifth Circuit Court of Appeals, Dana Douglas. Math teacher Michelle Blouin Williams told us Calcea and Ne'Kiya are typical St. Mary's students.  

Bill Whitaker: They're not unicorns.

Michelle Blouin Williams: Oh, no no. If they are unicorns, then every single lady that has matriculated through this school is a beautiful, Black unicorn.

Pamela Rogers: You're good?

Pamela Rogers, St. Mary's president and interim principal, told us the students hear that message from the moment they walk in the door.

Pamela Rogers: We believe all students can succeed, all students can learn. It does not matter the environment that you live in. 

Bill Whitaker: So when word went out that two of your students had solved this almost impossible math problem, were they universally applauded?

Pamela Rogers: In this community, they were greatly applauded. Across the country, there were many naysayers.

Bill Whitaker: What were they saying?

Pamela Rogers: They were saying, "Oh, they could not have done it. African Americans don't have the brains to do it." Of course, we sheltered our girls from that. But we absolutely did not expect it to come in the volume that it came.  

Bill Whitaker: And after such a wonderful achievement.

Pamela Rogers: People-- have a vision of who can be successful. And-- to some people, it is not always an African American female. And to us, it's always an African American female.

Gloria Ladson-Billings: What we know is when teachers lay out some expectations that say, "You can do this," kids will work as hard as they can to do it.

Gloria Ladson-Billings, professor emeritus at the University of Wisconsin, has studied how best to teach African American students. She told us an encouraging teacher can change a life.

Bill Whitaker: And what's the difference, say, between having a teacher like that and a whole school dedicated to the excellence of these students?

Gloria Ladson-Billings: So a whole school is almost like being in Heaven. 

Bill Whitaker: What do you mean by that?

Gloria Ladson-Billings: Many of our young people have their ceilings lowered, that somewhere around fourth or fifth grade, their thoughts are, "I'm not going to be anything special." What I think is probably happening at St. Mary's is young women come in as, perhaps, ninth graders and are told, "Here's what we expect to happen. And here's how we're going to help you get there."

At St. Mary's, half the students get scholarships, subsidized by fundraising to defray the $8,000 a year tuition. Here, there's no test to get in, but expectations are high and rules are strict: no cellphones, modest skirts, hair must be its natural color.

Students Rayah Siddiq, Summer Forde, Carissa Washington, Tatum Williams and Christina Blazio told us they appreciate the rules and rigor.

Rayah Siddiq: Especially the standards that they set for us. They're very high. And I don't think that's ever going to change.

Bill Whitaker: So is there a heart, a philosophy, an essence to St. Mary's?

Summer Forde: The sisterhood—

Carissa Washington: Sisterhood.

Tatum Williams: Sisterhood.

Bill Whitaker: The sisterhood?

Voices: Yes.

Bill Whitaker: And you don't mean the nuns. You mean-- (laughter)

Christina Blazio: I mean, yeah. The community—

Bill Whitaker: So when you're here, there's just no question that you're going to go on to college.

Rayah Siddiq: College is all they talk about. (laughter) 

Pamela Rogers: … and Arizona State University (Cheering)

Principal Rogers announces to her 615 students the colleges where every senior has been accepted.

Bill Whitaker: So for 17 years, you've had a 100% graduation rate—

Pamela Rogers: Yes.

Bill Whitaker: --and a 100% college acceptance rate?

Pamela Rogers: That's correct.

Last year when Ne'Kiya and Calcea graduated, all their classmates went to college and got scholarships. Ne'Kiya got a full ride to the pharmacy school at Xavier University in New Orleans. Calcea, the class valedictorian, is studying environmental engineering at Louisiana State University.

Bill Whitaker: So wait a minute. Neither one of you is going to pursue a career in math?

Both: No. (laugh)

Calcea Johnson: I may take up a minor in math. But I don't want that to be my job job.

Ne'Kiya Jackson: Yeah. People might expect too much out of me if (laugh) I become a mathematician. (laugh)

But math is not completely in their rear-view mirrors. This spring they submitted their high school proofs for final peer review and publication … and are still working on further proofs of the Pythagorean Theorem. Since their first two …

Calcea Johnson: We found five. And then we found a general format that could potentially produce at least five additional proofs.

Bill Whitaker: And you're not math geniuses?

Bill Whitaker: I'm not buying it. (laughs)

Produced by Sara Kuzmarov. Associate producer, Mariah B. Campbell. Edited by Daniel J. Glucksman.

Bill Whitaker is an award-winning journalist and 60 Minutes correspondent who has covered major news stories, domestically and across the globe, for more than four decades with CBS News.

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Man Utd sizing up TWO Chelsea stars to solve problem position; deal for £62m star far likelier

Manchester United WILL sign a new left-back this summer and Chelsea pair Marc Cucurella and Ben Chilwell are both on their radar, while a report has revealed which of the two is far likelier to join the Red Devils.

The left-back position has posed a problem for Erik ten Hag all season long. Luke Shaw has been limited to just 12 league appearances through injury, while Tyrell Malacia has not played a single minute in any competition this term.

Concerns over injury absences prompted Man Utd to sign Sergio Reguilon on loan from Tottenham last summer. However, Reguilon was sent back to Spurs in January before quickly agreeing a new loan deal with Brentford.

But with Shaw and Malacia unable to get fit, Ten Hag has resorted to playing the likes of Diogo Dalot, Aaron Wan-Bissaka, Victor Lindelof and even Sofyan Amrabat in the position since the turn of the year.

United have shipped 56 goals in the league this term and major changes to their rearguard are coming.

Raphael Varane’s exit as a free agent was confirmed by the club on Tuesday morning. Jonny Evans is also on course to leave when his contract expires this summer.

Over in the troubled left-back position, transfer guru Fabrizio Romano has already declared a new signing will be made .

Now, according to journalist and Chelsea specialist, Simon Phillips, Blues pair Cucurella and Chilwell are in Man Utd’s sights.

Chelsea will seek a permanent buyer for Ian Maatsen who is currently loaned to Borussia Dortmund. However, Phillips stated one of Chilwell and Cucurella can leave as well.

Man Utd leaning towards Cucurella after 2023 near miss

Of the two, it was revealed a move for Cucurella is far likelier. Explaining why, several reasons were cited, beginning with Chilwell’s chequered injury record.

The 27-year-old has been limited to just 43 Premier League appearances over the last three seasons. Understandably, Man Utd harbour doubts over the player’s availability in future years.

Cucurella, meanwhile, was targeted by the Red Devils when seeking loan cover last summer. He and Reguilon emerged as the leading contenders to solve Man Utd’s crisis, though United pulled the plug on Cucurella’s deal after a curious decision made by Mauricio Pochettino.

READ MORE:  The key contract details of every Chelsea first-team player: Expiry dates, weekly wages, agents…

Cucurella played his first match of the season in Chelsea’s EFL Cup second round victory over Wimbledon on August 30.

Players cannot play for three different clubs during a single season, meaning if he joined and then played for Man Utd, Chelsea would not be able to find a new buyer if he was returned to the club in January.

If United had wanted the option of sending Cucurella back to Chelsea in January, he would no longer have been eligible to leave the Blues once again and appear for a third club this season.

Man Utd only required short-term cover while Shaw and Malacia were sidelined and as such, insisted on including a break clause that would activate ahead of the winter window.

Chelsea rejected the demand in the knowledge they’d then be unable to find a club willing to either buy or loan Cucurella in January. Indeed, why would any club pounce if Cucurella was ineligible to play until next season?

The end result saw Reguilon snapped up, though Phillips reports Man Utd have reignited their interest in Cucurella.

The Spaniard would represent the safer option for United between he and Chilwell and is also the man the Red Devils are prioritising.

Cucurella cost the Blues £55m (rising to £62m through add-ons) when signed from Brighton in 2022.

The 25-year-old hasn’t enjoyed the best of times at Stamford Bridge, though Cole Palmer aside, very few of Todd Boehly’s signings have.

A fresh start at Old Trafford where he may well beat out Shaw for the starting role could await.

HAVE YOU SEEN:  The key contract details of every Man Utd first-team player: Expiry dates, weekly wages, agents…

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DEA Releases 2024 National Drug Threat Assessment

WASHINGTON – Today, DEA Administrator Anne Milgram announced the release of the 2024 National Drug Threat Assessment (NDTA), DEA’s comprehensive strategic assessment of illicit drug threats and trafficking trends endangering the United States.

For more than a decade, DEA’s NDTA has been a trusted resource for law enforcement agencies, policy makers, and prevention and treatment specialists and has been integral in informing policies and laws. It also serves as a critical tool to inform and educate the public.

DEA’s top priority is reducing the supply of deadly drugs in our country and defeating the two cartels responsible for the vast majority of drug trafficking in the United States. The drug poisoning crisis remains a public safety, public health, and national security issue, which requires a new approach.

“The shift from plant-based drugs, like heroin and cocaine, to synthetic, chemical-based drugs, like fentanyl and methamphetamine, has resulted in the most dangerous and deadly drug crisis the United States has ever faced,” said DEA Administrator Anne Milgram. “At the heart of the synthetic drug crisis are the Sinaloa and Jalisco cartels and their associates, who DEA is tracking world-wide. The suppliers, manufacturers, distributors, and money launderers all play a role in the web of deliberate and calculated treachery orchestrated by these cartels. DEA will continue to use all available resources to target these networks and save American lives.”

Drug-related deaths claimed 107,941 American lives in 2022, according to the Centers for Disease Control and Prevention (CDC). Fentanyl and other synthetic opioids are responsible for approximately 70% of lives lost, while methamphetamine and other synthetic stimulants are responsible for approximately 30% of deaths.

Fentanyl is the nation’s greatest and most urgent drug threat. Two milligrams (mg) of fentanyl is considered a potentially fatal dose. Pills tested in DEA laboratories average 2.4 mg of fentanyl, but have ranged from 0.2 mg to as high as 9 mg. The advent of fentanyl mixtures to include other synthetic opioids, such as nitazenes, or the veterinary sedative xylazine have increased the harms associated with fentanyl.   Seizures of fentanyl, in both powder and pill form, are at record levels. Over the past two years seizures of fentanyl powder nearly doubled. DEA seized 13,176 kilograms (29,048 pounds) in 2023. Meanwhile, the more than 79 million fentanyl pills seized by DEA in 2023 is almost triple what was seized in 2021. Last year, 30% of the fentanyl powder seized by DEA contained xylazine. That is up from 25% in 2022.  

Social media platforms and encrypted apps extend the cartels’ reach into every community in the United States and across nearly 50 countries worldwide. Drug traffickers and their associates use technology to advertise and sell their products, collect payment, recruit and train couriers, and deliver drugs to customers without having to meet face-to-face. This new age of digital drug dealing has pushed the peddling of drugs off the streets of America and into our pockets and purses.

The cartels have built mutually profitable partnerships with China-based precursor chemical companies to obtain the necessary ingredients to manufacturer synthetic drugs. They also work in partnership with Chinese money laundering organizations to launder drug proceeds and are increasingly using cryptocurrency.

Nearly all the methamphetamines sold in the United States today is manufactured in Mexico, and it is purer and more potent than in years past. The shift to Mexican-manufactured methamphetamine is evidenced by the dramatic decline in domestic clandestine lab seizures. In 2023, DEA’s El Paso Intelligence Center (EPIC) documented 60 domestic methamphetamine clandestine lab seizures, which is a stark comparison to 2004 when 23,700 clandestine methamphetamine labs were seized in the United States.

DEA’s NDTA gathers information from many data sources, such as drug investigations and seizures, drug purity, laboratory analysis, and information on transnational and domestic criminal groups.

It is available DEA.gov to view or download.

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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 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
• May 9, 2024   •   34:42 One Strongman, One Billion Voters, and the Future of India
• May 8, 2024   •   28:28 A Plan to Remake the Middle East
• May 7, 2024   •   27:43 How Changing Ocean Temperatures Could Upend Life on Earth
• May 6, 2024   •   29:23 R.F.K. Jr.’s Battle to Get on the Ballot
• May 3, 2024   •   25:33 The Protesters and the President
• May 2, 2024   •   29:13 Biden Loosens Up on Weed

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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