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Climate Change

Hail risk to homes is on par on with major hurricane threats

Climate Change, Cotality, Homeowners insurance, Housing Market, Mortgage, Natural Disaster, Weather /

More than 43.5 million U.S. properties are at moderate or greater risk from hail damage, representing about $17.84 trillion in reconstruction cost value, according to Cotality’s 2026 Severe Convective Storm Risk Report released Tuesday. The report finds that hailstorms are emerging as one of the most financially destructive natural hazards for the housing market, with […]

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Borrower hesitation in high-cost regions

Climate Change, Housing markets, Originations /

Affordability pressures continue to reshape purchase demand, particularly in coastal and climate-exposed markets. Borrower hesitation in high-cost regions no longer stems from rate volatility alone, as insurance premiums, property taxes, and total cost-of-ownership calculations now drive measurable pauses in decision-making. Processing Content Lenders operating in high-cost metros report longer decision cycles, increased prequalification fallout, and

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Rhino targets climate risk home insurability in California

California, Climate Change, Flood, Flood insurance, Homeowners insurance, HWmember, Real Estate, Wildfire /

Property insurance startup Rhino is looking to help real estate agents and their clients assess insurability and find insurance for properties in areas facing high rates of climate disaster risk.  To achieve this goal, Rhino, an insurance brokerage that specializes in securing insurance policies for climate-risk exposed properties in California, has launched DealShield. The software

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Insurance hurdles, red tape slow Los Angeles wildfire recovery

California, Climate Change, Housing Market, HWmember, Insurance, Los Angeles, Real Estate, Wildfire /

Roughly a year after destructive wildfires tore through parts of Los Angeles, rebuilding in some of the hardest-hit neighborhoods remains slow, hampered by insurance delays, regulatory bottlenecks and rising construction costs.  Most of the damage stemmed from the two largest blazes, the Eaton Fire in Altadena and the Palisades Fire in Pacific Palisades, both of

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Rising insurance costs shape homeowner decisions in 2026

Affordability, California, Climate Change, Florida, Homeowners insurance, HWmember, Insurance, Louisiana, Real Estate, Regulatory, Texas /

American homeowners enter 2026 expecting higher insurance costs, growing climate risks and continued pressure on housing affordability. Data from Kin’s inaugural Homeownership Trends Report shows insurance costs now rival mortgage rates and home prices as a key factor shaping where — and whether — Americans buy, stay or move. Home insurance costs are rising faster

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Insurance costs ‘seriously’ influencing many home purchases

Climate Change, Homeowners insurance, Housing markets, Servicing /

The effect of surging insurance costs over the past few years is raising alarms for many homeowners, with nearly half saying higher premiums are “seriously” influencing new purchase strategy. Processing Content Approximately 49% of homeowners said insurance costs factored in either “very heavily” or “seriously” behind purchase decisions, according to a recent survey from Kin.

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US lawmakers launch probe into insurance rating firm in Florida

Climate Change, Florida, Homeowners insurance, Insurtech /

(Bloomberg) –Three US senators opened an inquiry into insurance ratings firm Demotech and whether its assessments may be exposing Fannie Mae and Freddie Mac — and ultimately taxpayers — to growing risks tied to climate-driven insurer failures. Processing Content In a letter sent Tuesday to Fannie Mae acting Chief Executive Officer Peter Akwaboah and Freddie Mac CEO Kenny Smith,

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Zillow was right to kill Climate RiskScores

Climate Change, Contributors, HWmember, Opinion, Real Estate, Sponsored, Technology, Zillow /

Four row houses in South Philadelphia share a wall. Their flood risk scores: 6, 4, 1, 3. This is real data from First Street, the climate analytics firm whose scores Zillow removed from over a million listings last month. The houses are on my block. They’re literally attached to each other, yet their risk profiles

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Impact of climate-fueled disasters seen in insurance, real estate data

Impact of climate-fueled disasters seen in insurance, real estate data

California, Climate Change, Insurance, Louisiana, Property taxes, Public finance, Trends in the Regions /

Point-Aux-Chenes, Louisiana, after Hurricane Ida in 2021.Bloomberg News Climate change-driven disaster risks are having a measurable impact on property insurance rates and home values, according to a recent National Bureau of Economic Research paper. Processing Content In a paper released in June 2024 and revised last month, academics Benjamin Keys and Philip Mulder say their

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Zillow deleting home climate risk scores reveals limits of flood, fire data

Climate Change, Flood insurance, Servicing, Weather and Climate Change Risk /

When Zillow Group Inc. removed climate risk scores from its home listings last month, following a complaint from the real estate industry, many observers took to the press and social media to warn that disappearing the data doesn’t get rid of the risk.  In a world assailed by extreme weather, homeowners and purchasers need to know their property’s vulnerability to

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