These upgrades can help protect your home from climate change

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In less than a year between 2020 and 2021, Lake Charles, Louisiana, faced two hurricanes, then a severe winter storm, followed by more flooding, all in the midst of a pandemic. A team of engineers from Notre Dame has a plan to educate the community on climate risks and recommend upgrades to their homes, but everyone, not just people in Lake Charles, can and should heed their advice.

“If this hasn’t woken you up and has you making different choices, we want to know why,” says Tracy Kijewski-Correa, a professor of civil and environmental engineering at the University of Notre Dame.

Many people have a false sense of security about how safe they are from extreme weather, Kijewski-Correa says. But many homes are not built to the standards set by the latest building codes, and the climate may be changing faster than policymakers can adapt. That’s why it may make sense to make upgrades on your own, before you’re required to.

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Here is what Kijewski-Correa and other experts say homeowners can do to make their homes more climate-resilient.

How to upgrade your home for extreme weather

Even if people acknowledge the risk of climate change, they don’t always believe they’ll be the next victim, Kijewski-Correa says. They have faith that if their houses are up to code, they’re safe. But there’s big problems with that: One, many houses are older and built to out-of-date standards. Two, many communities haven’t adapted the latest building codes. Kijewski-Correa recommends that homeowners check Inspect to Protect, a website from the nonprofit Federal Alliance for Safe Homes, to see whether your home is built to the latest standards or vulnerable to threats like flooding and severe storms. (I checked my apartment, and it’s considered outdated. Yikes!)

Kijewski-Correa also recommends homeowners take a look at the Fortified Home construction guidelines set by the Insurance Institute for Business & Home Safety, a non-profit funded by the property insurance industry. The guidelines are a voluntary set of construction standards designed to protect against severe weather by keeping water and other debris out and stopping the structure from collapsing.

The guidelines include measures to protect your home from high winds. These include ensuring the connections between your roof and walls and walls to the foundation are secure, which can keep your house from blowing apart in a storm, installing protection for windows and doors against high pressure and impact from windblown debris, and installing a roof certified for high winds with the latest materials and installation methods. If you live on the coast, it’s also essential to elevate your home above the expected flood elevation.

“You’re always looking to strengthen the roof, the way it’s connected, and get those windows and other openings fortified, and that’s going to make a big difference,” Kijewski-Correa says.

These upgrades have the added benefit of making your home more energy-efficient, she adds.

“They pay off every day,” she says. “Not just during a hurricane.”

How to upgrade your insurance for extreme weather

Even if you don’t live in a flood zone, it’s a good idea to buy flood insurance. Standard homeowners insurance won’t cover flood damage. And as the climate changes, flooding can happen anywhere it rains, says Ian Giammanco, senior director for standards and data analytics and lead research meteorologist for IBHS.

“You may think ‘I don’t need this,’ but as time goes on that safety net is going to be more important,” Giammanco says.

Flood insurance prices are rising in many areas, but are still cheap, especially outside of FEMA-designated flood zones, where the danger of flooding will grow as the climate changes, Giammanco says. As technology improves, he expects private flood insurance will provide competition for the National Flood Insurance Program, currently the only option in many flood-prone areas.

Many people allow their homes to become underinsured. Homeowners increase the value of their properties but don’t always increase their coverage to match. You should talk regularly with your insurance company to make sure your policy is up to date, Giammanco says. You should also shop around to ensure you’re paying the best price.

On the other side, insurance companies need to find ways to reward homeowners who make their homes more climate-resilient. That may be one way to avoid having to raise premiums to unaffordable levels as the risk of extreme weather rises. This is already happening in some states, where many homeowners are forced to buy state-issued home insurance policies because private companies have either raised their prices or stopped offering coverage. As more people rely on these policies, state budgets could be under threat in the event of a major hurricane, while politicians are under pressure to keep rates affordable.

“There’s going to have to be a huge reform of our insurance industry to understand how to share risk better,” Kijewski-Correa says.

What else needs to change to respond to extreme weather?

Hurricanes aren’t the only extreme weather threat to adjust to. For example, many people in the Pacific Northwest don’t have central air, and were caught off guard by a record-breaking heat wave this year. Many homes in the West are landscaped in ways that provide fuel for increasingly frequent and intense wildfires, Giammanco says.

“As the climate has shifted over the past 50, 60-plus years, we still have that old mindset and haven’t acknowledged the change,” he says.

Another adjustment many people have to make is in where they live. Real estate prices in some coastal areas are slowly adjusting to growing climate risk, but society has to decide whether continued development in increasingly dangerous areas is worthwhile, Giammanco says.

Right now we’re in a race to see whether the insurance industry, real estate markets, policymakers, and technology can change faster than the climate.

“It’s a long one,” Giammanco says of the shift. “And it’s going to continue well after you and I are gone.” But, he added, “We’ve got to start trying to catch up.”

The change will also have to be psychological. Preparing for climate change will require a mindset shift from reactive to proactive, Kijewski-Correa says.

“For some reason in society we’ve become very willing to accept cleanup and recovery as a mode of business, rather than asking what happens if we invest before the storm,” she says.

A new roof is not the sexiest way to use your renovation budget. But it could be the most valuable, helping you save on rates and providing your home better protection against severe weather.

“It is not a granite countertop that will save your life,” Kijewski-Correa says. “We need to get into a world where we promote and actively reward those kinds of proactive decisions.”

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The US city least affected by climate change

 

 

With record-breaking heat, sea levels rising, and a surge in devastating storms and wildfires, there’s no denying climate change is here. It’s likely to only get worse in coming decades, and that can affect the decisions you make today. Thirty-year mortgages are the norm when buying a home, so where you decide to settle down now could look markedly different in the years to come.

 

That’s why it’s important to know which areas are more vulnerable to the effects of climate change than others.

 

We looked at the top 50 largest urban areas in the United States and measured them against several climate change indicators to paint a picture of which ones might fare better as temps warm and sea levels rise over the next few decades.

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Using 2020 U.S. Census Bureau data, we identified the 452 most populated metro statistical areas in the country. We then analyzed data from the Federal Emergency Management Agency (FEMA), the U.S. Environmental Protection Agency (EPA), and several other studies across six key factors to determine which of those metro areas were the best and worst for climate change.

Weighing each factor equally, the result is a theoretical suggestion of which cities might fare best or worst in the coming 30 years. And since we only looked at the 50 largest cities in the U.S., it bears to keep in mind that while these cities have the lowest risk on our list, they actually may have a much higher risk than many smaller cities in the U.S.

For more details, see our full methodology

Here are the 10 cities that are least affected by climate change.

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Though Denver residents can expect an average of 33 days of extreme heat by 2050, its lack of humidity isn’t projected to change over the coming decades. And while there’s some flooding risk — with almost 3% of homes expected to be in a 100-year flood zone by 2050 — the overall increase is low at just 0.1%.

So, is Colorado devoid of any severe climate-related challenges? Not quite. It scores similarly to Portland and Seattle in its risk of wildfires. But unlike those other two cities, it scores below average for air quality — with just 43% of days measuring “good” in 2021.

Unfortunately, the city doesn’t seem to be as good at adapting to the changing climate as others on our best list, scoring fairly low for its community resilience.

 

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Even though Richmond residents can expect a full month of extreme heat by 2050, it still comes in below the average of 44 days for the cities in this study.

Instead, the historic city’s real threat lies in the rising sea level and hurricane risk. Three percent of Richmond homes are expected to be at risk for flooding in 2050 — nearly double the average on this list. And the percentage of homes in 100-year flood zones is expected to rise to 5.3%. Add to this the increase in hurricanes in Richmond as storms make landfall in the Carolinas and move inland, and we’re looking at a perfect storm for flooding.

Fortunately, with those stormy skies comes relatively good air quality: 87% of the measured days in 2021 had “good” air quality in Richmond versus the average of 63%.

It also scores high for both community resilience and social vulnerability, most likely thanks to its RVAgreen 2050 initiative to achieve net zero greenhouse gas emissions by 2050 and help the community adapt to the effects of extreme heat, rain, and flooding.

 

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Like Portland, the City of Bridges isn’t projected to get too, too hot. Residents can expect to see just 10 days of extreme heat and just over 13 days of high heat and humidity each year by 2050 — both below average compared to the other cities in this study.

But the same can’t be said for flooding. Situated along three rivers, Pittsburgh has a higher-than-normal portion of homes that will be in 100-year flood plains by 2050: 12.4% versus the average of 11% for the cities in this study. Though this is only up 0.4% from today, it shows the necessity for the city to start planning now for this continued trend in flood risk.

With no hurricane or wildfire risk, and a generally low risk of tornadoes, the only other main concern Pittsburgh residents should have is the city’s poor air quality. Only 47% of measured days in 2021 were “good,” versus the 63% average.

This is most likely due to high hydrogen sulfide rates caused by steel plants in the area. But with U.S. Steel canceling plans for $1 billion in upgrades to three of its Mon Valley Works facilities in 2021, clean air advocates expect to see an improvement in air quality over the next few years.

But the city is resilient, earning the second-highest community resilience score of the cities on our best list. This is probably thanks in large part to the Pittsburgh Equity Indicators project it started back in 2017, which is focusing efforts on improving air quality issues, inequality, public health challenges, and other stressors affecting residents.

 

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While Portland is getting hotter, it’s not nearly as balmy as other cities on this list. By 2050, the Rose City will only see 13 extreme heat days and around nine days with high heat and humidity. Though this is more than residents are currently experiencing, it’s still below average for the cities in this study.

But where Portland stands out is its higher-than-average percentage of properties flooding by 2050. Around 12% of homes and businesses will be located in 100-year flood zones — over 1% more than today and the highest increase of any city on our best list.

Fortunately, like Seattle and San Francisco, the air quality in Portland seems relatively unaffected by the acres of burning forests in its backyard. Air quality is well above average, with 89% of measured days registering as “good.”

As for its social vulnerability and community resilience scores, they’re both middle-of-the-road compared to the other cities in this best list. We’re a bit surprised it didn’t fare better in terms of preparedness for climate change. After all, it was the first city in the U.S. to create a local action plan for cutting carbon back in 1993.

 

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Milwaukee slides in at number six on our best cities for climate change list thanks to its below-average number of days with extreme heat predicted for 2050 — just 9 days versus the average of 44 days for the rest of the cities in this study. However, it’ll still feel the effects of heat and humidity as much as other cities on this list — a projected 19 days for 2050 (compared to the average of 18 days for all of the cities in this index).

While you’d expect a city situated on Lake Michigan to see an above-average threat of flooding, that’s not the case. By 2050, just shy of 5% of Milwaukee properties will be in 100-year flood plains, an increase of only 0.35% over today. But its air quality isn’t quite the breath of fresh air you’d expect — just 58% of days in 2021 were considered “good” air quality versus the 63% average for the cities in this index.

Milwaukee might be prepared for the changing climate — scoring high marks for its community resiliency score — but the same can’t be said for its social vulnerability score. The city scores four times lower than the other cities in this top 10 list. While this likely has more to do with the civil unrest and record-breaking violence the city has seen in the wake of the George Floyd in 2020, it may be indicative of how quickly the residents would bounce back after a climate-related disaster.

 

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Like Columbus and Minneapolis, residents of Baltimore can expect to feel the biggest effects of climate change in the form of hotter temps. The Charm City can expect an average of 24 days of extreme heat and 11 days of high heat and humidity per year by 2050. That’s an increase of around 18 days and 10 days, respectively. And it appears that Baltimore’s warm summer breeze is clean, too — 75% of the measured days in 2021 were registered as “good” air quality.

What about flooding? Even though the city sits on the Chesapeake Bay, the rise in sea level isn’t going to be a huge issue over the next 30 years: Just 4.8% of properties will be in 100-year flood plains by 2050, an increase of just 0.4% from today.

Baltimore also scores high on its social and community resiliency scores, which isn’t surprising considering the city completely overhauled its disaster preparedness plan in 2018 and is taking steps to achieve full carbon neutrality by 2045.

 

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Coming in at number four on our list, the biggest threat Minneapolis residents face is heat. By 2050, residents can expect around 15 extremely hot days per year — that’s nearly 13 more than today. And those rising temps will see with it a rising dew point: Days with high heat and humidity are also expected to increase to almost 19 days per year — 14 more than today.

While 7.2% of properties will be in 100-year flood zones come 2050, that’s just 0.1% more than today.

So how is the city preparing for this sweltering heat wave? Pretty well, if its community resiliency score has anything to say about it. Since 2013, the city has been working to reduce energy use, recycle half of all city waste, and build 30 miles of bicycle lanes to promote green transportation in an effort to reduce greenhouse gas emissions by 30% by 2025.

 

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Columbus is three on our list for best cities for climate change, though some of its projected numbers will make you realize that our top two cities are largely anomalies in how relatively unaffected they’ll be by the changing climate. Climate change is coming for most of us, even in top ranking cities in this study.

The biggest risk facing Columbus residents is heat. Ohioans can expect steamier summers come 2050 with an average of 20 days of extreme heat predicted — 18 more days than they’re experiencing now. And unfortunately, that’s not a dry heat. The number of days with high heat and humidity is similarly expected to increase to nearly 17 annually by 2050 — almost 15 more days than today.

On the brighter side, the risk of hurricanes, tornadoes, and wildfires remains low as time goes on. Flooding also shouldn’t be a big issue in the future: The percentage of properties in 100-year flood zones is only expected to rise 0.5% versus today — to 4.4% in 2050.

Though number three on our list, Columbus takes down Seattle and San Francisco when it comes to a high community resiliency score. The Ohio capital is well-positioned to adapt to its changing climate — thanks largely in part to Mayor Ginther’s bold climate action plan for the city to reach carbon neutrality by 2050.

 

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Seattle doesn’t expect to see a drastic increase in days with extreme heat or high heat and humidity. Just four extreme heat days are projected annually from 2040 to 2059, and less than two days with high heat and humidity.

The biggest concern for Seattleites? Flooding, though even those numbers are relatively low for a city that sits on the Puget Sound. Less than 10% of its properties are expected to be in 100-year flood zones by 2050 — and that’s just a 0.5% increase from properties in flood zones today. And even though sea level rise is expected to affect 0.35% of properties by 2050, that’s well below the 1.35% average for the cities in our study.

Surprisingly, its wildfire risk remains low considering the rest of the state has seen an increase in blazes from 2020 to 2021. And although it’s starting to see a “smoke season” from wildfires burning throughout the West, air quality in Seattle is better than the average of the cities in our study: 83% of days in 2021 were “good” air quality versus the average of 63%.

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California may not be the first place that comes to mind when you think of climate resiliency, but San Francisco is a different story, earning the highest score of the 50 cities in our study.

Heat isn’t a major issue in San Francisco, and climate change isn’t expected to drastically change that. The Golden City is predicted to have just three days of extreme heat per year by 2050, and less than a full day of high heat and humidity.

Sea level rise is also expected to minimally impact residential areas of San Francisco, despite its location on its namesake bay. A low percentage of properties are in 100-year flood plains, and that’s not expected to change at all in the next 30 years.

San Fran is also largely immune to the climate-related disasters we measured in our study, with few hurricanes and tornadoes expected. And though Northern California is very prone to wildfires, San Francisco itself is not. Nearby Santa Clara County’s annualized wildfire occurrence is 5,215% higher than San Francisco.

Despite those nearby wildfires affecting air quality, San Francisco still fared better than the average of the cities on this list, with 86% of days in 2021 registering “good” air quality.

For the two social factors we considered, San Francisco scored well on social vulnerability, which measures how susceptible a community is to natural disaster. It didn’t score as favorably on community resilience, which measures how well a community is preparing and adapting for climate change. But given how little climate change is expected to affect the city, perhaps we can forgive them that.

San Francisco: Our number one city for escaping climate change — though obviously potential earthquakes are a different story.

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As climate change continues to wreak havoc across the U.S., it’s getting harder and more expensive to buy homeowners insurance in the cities at the highest risk of natural disasters. Many insurance companies have pulled out of Florida and California due to the heightened risk of hurricanes and wildfires, leaving homeowners scrambling to find coverage through their state’s Fair Access to Insurance Requirements (FAIR) Plans.

To help minimize the burden of climate change on your purse strings — and ensure your home is fully protected should disaster strike — here are a few tips for purchasing home insurance amid an ever-changing climate.

 

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Weather-proofing your home to mitigate damage can pay off in the form of lower homeowners insurance premiums. If you live in an area prone to hurricanes or tornadoes, installing storm shutters to your windows and hurricane straps to your roof can add an extra layer of protection from the elements.

Similarly, if you live in an area at high risk of wildfires, taking the steps to install comprehensive sprinkler systems throughout your property, clearing brush piles at greater risk of catching fire, and adding fire alarm security systems that automatically alert local authorities to a fire are all ways to prevent blazes and lower your home insurance costs in the process.

 

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With a changing climate comes changing risks to your home. For example, as sea levels rise, so does the risk of your home ending up in a high-risk flood zone. The same can be said for rising temperatures and wildfires, and increased hurricanes and wind damage.

Reassessing your home’s coverage needs each year can help ensure you have enough protection to fully rebuild your home and replace your belongings should a natural disaster hit.

This might mean buying separate flood insurance or windstorm coverage in addition to your standard homeowners insurance. Or adding an endorsement for wildfire coverage to your existing policy if your city sees an increased risk of blazes over the coming years.

 

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No two insurance companies assess your home’s risk the same way. This is why it pays to re-shop your policy each year to make sure you’re still getting the best deal possible amid the changing climate. Some insurers might place more weight on your home’s flood risk than others. Same goes for your home’s risk of wildfires or windstorms.

The easiest way to re-shop your policy is to use an insurance marketplace that will do the work for you. You essentially fill out a short form online to provide information about you, your home, and your coverage needs, and a licensed agent will crunch the numbers to find you the best policy at the best price. They’ll even help you switch companiespurchase your new policy, and cancel your old one — all for free.

 

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To identify the best places to live by 2050 if you’re worried about climate change, we analyzed the 50 largest urban areas in the United States across 13 data points:

  • Number of days with extreme heat: Projected average number of days from 2040 to 2059 with temperatures above 95 degrees Fahrenheit. (Rasmussen, D. J.; Meinshausen, Malte; Kopp, Robert E.)

  • Increase in days with extreme heat: Projected increase in extreme heat days compared to the present day. (Rasmussen, D. J.; Meinshausen, Malte; Kopp, Robert E.)

  • Number of days with high wet bulb temperatures: Projected average number of days from 2040 to 2059 with wet bulb temperatures above 80 degrees Fahrenheit. (Rasmussen, D. J.; Meinshausen, Malte; Kopp, Robert E.)

  • Increase in days with high wet bulb temperatures: Projected increase in extreme heat days compared to the present day. (Rasmussen, D. J.; Meinshausen, Malte; Kopp, Robert E.)

  • Percentage of properties at risk of sea level rise: Percentage of properties with at least a 10% annual chance of flooding by 2050, based on local sea level rise projections. (Zillow; Climate Central)

  • Percentage of property in flood zones: Percentage of properties in 100-year flood plains by 2050. (First Street Foundation)

  • Increase in percentage of properties in flood zones: Projected increase in the percentage of properties in flood zones compared to the present day. (First Street Foundation)

  • Probability of hurricanes: Annualized frequency of hurricanes from January 2014 to April 2021. (FEMA)

  • Probability of tornadoes: Annualized frequency of tornadoes from January 2014 to April 2021. (FEMA)

  • Probability of wildfires: Annualized frequency of wildfires from January 2014 to April 2021. (FEMA)

  • Air quality: Percentage of measured days in 2021 in which the air quality was considered “good.” (Environmental Protection Agency)

  • How vulnerable a place is to climate change: The susceptibility of a community to the adverse impacts of natural hazards, including disproportionate death, injury, loss, or disruption of livelihood. (University of South Carolina)

  • How resilient a place is at preparing and adapting to climate change: The ability of a community to prepare for natural hazards, adapt to changing conditions, and recover rapidly from disruptions. (University of South Carolina)

Weighing each of these 13 data points equally, we ranked and scored each urban area based on these factors. Top rankings are directly correlated with a low number of extremely hot and high wet bulb temperature days, a low percentage of properties and total property values with sea level rise or flood risk, a low probability of natural hazards, a high percentage of days with good air quality, a low social vulnerability score, and a high community resiliency score.

This article originally appeared on Policygenius.com and was syndicated by MediaFeed.org.

 

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Myles Ma

Myles Ma is an editor at PolicyGenius.com.