The study says that one out of every 4 homes in climate risk “extreme or extremist”.

In general, he finds it 26 % of American homes are at great or severe, as the risk of floods has been especially reduced by the federal government. Nearly 6 million homes ($ 3.4 trillion in value) face severe floods in the next thirty years, or about 2 million estimates of FEMA, due to the outdated flood maps. The main metro regions such as Miami, New York, Tamba, Los Angeles and Houston combined include hundreds of billions of dollars in the property at risk.

The number actually represents a decrease from Version 2024 of the same reportWhich found huge houses 44 % and 22 trillion dollars of homes were exposed, but the major economists in RealTor.com told Daniel Heil luck Reports are not directly comparable. The 2024 edition includes five climatic risks – wind, wind, fire, heat and air quality – while the 2025 edition includes only three. Even the isolation of wind, floods and raid skills from the 2024 report results in a cumulative value of $ 14.1 trillion, a higher sign than the 2025 version.

Hill also said RealTor.com partners on this report with First streetAnd it is a research company that seeks to determine the risks “All property in the countryAnd their models may differ from year to year. Hill also pointed to some “very prominent” climatic events that occurred between the two reports, such as the destroyed La fires, which I mentioned wealth Consume It is estimated at 150 billion dollars The value of property wealth.

Miami Fort Lauderdale-West Palm Beach leads to the total value of the drug at risk of severe damage to the floods and winds, as all homes were classified in some metro such as Miami and Houston as very weak. New Orleans and many of the metro in Florida show the highest percentage of homes exposed to flood risks in relation to the total value of the property. California has approximately 40 % of the total exposed property value in the country, about $ 3.4 trillion, with Los Angeles and Riverside as the hot points of anxiety. Outside California, Western cities such as Colorado Springs, Colo, Tuxon, Arizona face fire -related real estate threats.

Insurance premiums rise in high-risk markets, as homeowners in Miami pay 3.7 % of the value of the house in annual installments-the highest rate in the country. Flood insurance is often sold separately, and hurricane discounts can be five times higher than standard policies, and forest fire coverage is often limited or unbearable. Difficulty securing affected coverage in “”Insurance deserts“According to the World Economic Forum, Hill noted that insurance is required with most of the mortgages, but for millions of Americans who directly own their homes without mortgage, they can go without legal insurance and thus be at risk.

The acute height in insurance premiums, the increase in the frequency of disasters, and the increasing difficulty in securing coverage, not only reshape the place where people live, but also whether the housing remains affordable in the weak areas. Since insurance is difficult to secure in risk areas, it is expected to see markets in areas with low -growth risk stronger in home prices due to climate -based immigration. Hill said that RealTor.com runs this report for five years, and it is easy to forget the huge size or risks “from the climate,” easy to reduce their affairs “, and hopes its company is to provide the housing buyers with sufficient information as possible.

Realtor.com explains that First Street finds a A great difference in the charges of homes at risk Between its model and the Fema regions because the latter “does not explain heavy rains and future climate changes.” Real’s analysis finds that nearly two million homes, at a value of about two trillion dollars, may face a danger to the floods that current homeowners do not know, and thus may lack flood insurance.

If the main flood risk areas of the first street are taken into account, this gap may be greater. New York, Los Angeles and San Francisco enjoy the largest gaps, dollars. New York has two twice two.3 billion dollars, according to the study, Los Angeles has $ 65.6 billion, and San Francisco has 54.9 billion dollars.

The insurance and housing sectors walk in an attempt to move forward in the specified time bomb. Vi Mai CEO Priscilla Modofar He wrote on pages luck In May 2024 She appreciated her song “Ya Ya” in the album “Cowboy Carter”, where the insurance warning seemed to have resort: “Wildfire burned his home down/the insurance will not pay any Fani May.” She added that every year since 2021 22 natural disasters with damage exceeding $ 1 billionBully contrasting from the eighties, when the average was three in the year.

For this story, luck The artificial intelligence is used to help with a preliminary draft. Check an editor of the accuracy of the information before publishing.