Question 1

How do I check if my home is in a flood zone?

Accepted Answer

You can check FEMA's Flood Map Service Center using your address or ZIP code. Our climate risk tool also provides a flood risk score based on your location, including both current and projected future risk.

Question 2

Does climate risk affect home insurance rates?

Accepted Answer

Yes — properties in high flood, wildfire, or hurricane zones can pay 2–5x more for homeowners insurance, and some insurers have stopped writing new policies in high-risk areas like coastal Florida and wildfire zones in California.

Question 3

What ZIP codes have the highest wildfire risk?

Accepted Answer

Wildfire risk is highest in California, Oregon, Colorado, and Montana — particularly in areas with the wildland-urban interface. Our tool scores wildfire risk by ZIP code based on proximity to high-risk terrain, vegetation, and historical fire data.

Question 4

How is climate risk expected to change over the next 30 years?

Accepted Answer

Climate models project increasing frequency and severity of floods, heat waves, and wildfires across most of the US by 2050. Coastal areas face additional sea-level rise risk, making current low-risk properties higher risk over a typical 30-year mortgage period.

Question 5

Should climate risk affect where I buy a home?

Accepted Answer

Financial advisors and real estate experts increasingly recommend factoring climate risk into home purchase decisions. High-risk properties may face rising insurance costs, declining buyer interest, and lower long-term appreciation compared to low-risk areas.

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