Climate Risk, Insurance, and Long-Horizon Pricing
Floodplains, wildfire zones, and heat islands alter long-run ownership costs and buyer pools. Maps and disclosures help, but microtopography and vegetation matter too. Have you compared two similar homes where one carried materially higher risk—or where mitigation steps brought peace of mind and steadier pricing?
Climate Risk, Insurance, and Long-Horizon Pricing
Insurance availability and deductibles can shift affordability as much as mortgage rates. Some areas face changing carrier appetites, requiring buyers to shop harder or adjust expectations. If premiums surprised you during underwriting, tell us how it reshaped your budget and neighborhood short list.