Regardless of whether they believe climate change is real, 69% of homeowners took the phenomenon into account when buying a home. That’s according to a new study by Clever Offers, which also found that nearly the same 68% view homeownership as riskier today than 10 years ago due to climate change and natural disasters.

Few states are immune to natural disasters, from wildfires in the West and blizzards in the North to hurricanes in the Southeast and tornadoes in the Midwest. The threat of flooding is nearly everywhere — Texas, North Carolina, Illinois, and New Mexico have all seen record-breaking flood events in 2025.

As weather-related events increase, so do insurance premiums, putting an already-expensive home purchase further out of reach for many. Some cities and states are seein

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