Climate risk is no longer a distant concern—it’s becoming a major factor in where and how Americans buy homes. Tim Lucas and Craig Berry discuss how climate change is already affecting home values, insurance costs, mortgage performance, and the future of the U.S. housing market.

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In this episode you’ll learn:

• Why climate risk is influencing homebuying decisions: Buyers across all generations are increasingly considering flood zones, wildfires, hurricanes, and other environmental threats.
• How attitudes toward climate change are shifting: Even older generations and traditionally less vulnerable regions are growing more concerned about housing-related climate risks.
• The hidden financial impact on homeowners: Homes in high-risk flood areas are appreciating more slowly, reducing long-term wealth building potential.
• Why insurance is becoming a growing problem: Some insurers are raising premiums dramatically—or leaving high-risk markets entirely.
• How climate disasters affect mortgage payments: Delinquency rates often spike after major weather events, creating financial stress for both homeowners and local economies.
• What happens when communities become harder to insure: Housing markets could face declining values, slower recovery, and long-term instability.
• The possibility of climate-driven migration: As risks intensify, some regions may see population declines while others experience housing pressure from incoming residents.
• Why infrastructure and building standards matter: Investments in resilience could play a major role in protecting future housing markets.
• The debate over insurance reform: Policymakers may face difficult decisions about how to balance homeowner protection with growing climate exposure.
• The big takeaway: Climate change is no longer just an environmental issue—it’s becoming one of the biggest forces shaping the future of housing and homeownership.

Read the full article: https://www.mortgageresearch.com/articles/climate-risk-becoming-major-factor-homebuyers/