{"id":5851,"date":"2024-05-28T05:30:00","date_gmt":"2024-05-28T10:30:00","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-do-climate-risks-affect-your-next-home\/"},"modified":"2024-05-28T05:30:00","modified_gmt":"2024-05-28T10:30:00","slug":"how-do-climate-risks-affect-your-next-home","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-do-climate-risks-affect-your-next-home\/","title":{"rendered":"How Do Climate Risks Affect Your Next Home?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240523\/20240528-How-Do-Climate-Risks-Affect-Your-Next-Home.png?ssl=1\" alt=\"How Do Climate Risks Affect Your Next Home? Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear: both;max-width: 100%\" \/><\/p>\n<p>Climate change is impacting where people <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/05\/01\/the-perks-of-buying-over-renting\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">buy homes<\/a>. As the experts at the<em> National Association of Realtors <\/em>(NAR) <a href=\"https:\/\/www.nar.realtor\/climate-change\" rel=\"noopener noreferrer\" target=\"_blank\">explain<\/a>:<\/p>\n<blockquote><p><em>\u201cSixty-three percent of people who have moved since the pandemic began say they believe climate change is\u2014or will be\u2014an issue in the place they currently live.\u201d<\/em><\/p><\/blockquote>\n<p>If you\u2019re planning to <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/04\/26\/equity-can-make-your-move-possible-when-affordability-is-tight-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">move<\/a>, climate change is something you might want to consider, no matter where you are. A recent <a href=\"https:\/\/www.realtor.com\/news\/trends\/climate-risks-threaten-nearly-half-of-all-homes\/\" rel=\"noopener noreferrer\" target=\"_blank\">study<\/a> from <em>Realtor.com<\/em> helps put the growing impact climate change is having on real estate into perspective (<em>see below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240523\/20240528-Climate-Risks-Impact-Nearly-Half-of-All-Homes-in-the-US.png?ssl=1\" rel=\"noopener noreferrer\" target=\"_blank\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240523\/20240528-Climate-Risks-Impact-Nearly-Half-of-All-Homes-in-the-US.png?ssl=1\" alt=\"No Caption Received\"><\/a><\/p>\n<p><\/p>\n<p>So, how can you be sure your investment is safe from the elements? <\/p>\n<p>For starters, work with a local real estate agent to understand the likelihood of your <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/05\/09\/the-top-2-reasons-to-consider-a-newly-built-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">future home<\/a> being exposed to hazards like wind, floods, and wildfires. Your agent will know the area and be able to tell you about the risks you\u2019ll most likely face.<\/p>\n<p>Beyond that, there are two important factors to think about: the quality of the home you want to buy and the insurance you\u2019ll need to protect it.<\/p>\n<h4><strong>A Home Built to Last<\/strong><\/h4>\n<p>If you\u2019re planning to be in <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/04\/25\/is-a-multi-generational-home-right-for-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">your home<\/a> for many years, you want to know it\u2019s going to last. One way to think ahead is to work with your real estate agent to ensure the home you buy can withstand environmental hazards. They\u2019re up to date on the most common <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/05\/03\/builders-are-building-smaller-homes-infographic-1\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">building<\/a> and remodeling techniques\u2014like a <a href=\"https:\/\/eyeonhousing.org\/2024\/04\/green-building-resiliency-practices\/\" rel=\"noopener noreferrer\" target=\"_blank\">secondary water barrier<\/a> on the roof or noncombustible, fire-resistant exterior walls\u2014used to protect homes from the effects of climate change. <\/p>\n<p>And if the home you\u2019re interested in doesn\u2019t have the features you\u2019re looking for, they can help you determine what you may be able to negotiate in the contract or what work it might require in the future. <\/p>\n<h4><strong>Insurance To Protect It<\/strong><\/h4>\n<p>Once you\u2019re confident the home you\u2019re looking at is well built, the next step is finding out what it\u2019s going to take to insure it. As Selma Hepp, Chief Economist at <em>CoreLogic<\/em>, <a href=\"https:\/\/www.scotsmanguide.com\/residential\/homebuyers-may-not-realize-the-true-costs-of-climate-related-risks\/\" rel=\"noopener noreferrer\" target=\"_blank\">says<\/a>:<\/p>\n<blockquote><p><em>\u201c. . . homeowners are going to become increasingly more aware of risks of living in some areas <\/em><strong><em>as it becomes prohibitively expensive or very difficult to obtain hazard insurance<\/em><\/strong><em>.\u201d<\/em><\/p><\/blockquote>\n<p>In areas where climate risks are having a bigger impact, the right home insurance can make a big difference. And the price of that insurance is an important factor when thinking about your budget and the true cost of buying and protecting your home. Get an insurance quote early in the process because you may want to compare multiple quotes and it can take several weeks to get them. <\/p>\n<p>While this may feel like a lot to consider, don\u2019t worry. An agent can help. Your real estate agent will be your go-to resource on the homebuying process, what to look for and consider, and how climate change may affect your <a href=\"https:\/\/www.simplifyingthemarket.com\/2024\/05\/08\/how-buying-or-selling-a-home-benefits-your-community\/?a=375140-ca8522ad04357da9549c08492a932f70\" rel=\"noopener noreferrer\" target=\"_blank\">next home<\/a>. With the right planning and an agent&#8217;s expert advice, you can make this happen. Homeownership is worth it. And with a great agent by your side, you can make sure the home you find is the right fit.<\/p>\n<h3>Bottom Line<\/h3>\n<p>Climate change is an important factor to think about when <a href=\"\/2024\/05\/07\/tips-for-younger-homebuyers-how-to-make-your-dream-a-reality\/\" rel=\"noopener noreferrer\" target=\"_blank\">buying a home<\/a>. After all, your home is a huge investment, and you want to be ready for anything that might affect it. Chat with a local real estate agent so they can help you find the perfect home for you.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Climate change is impacting where people buy homes. As the experts at the National Association of Realtors (NAR) explain: \u201cSixty-three percent of people who have moved since the pandemic began say they believe climate change is\u2014or will be\u2014an issue in the place they currently live.\u201d If you\u2019re planning to move, climate change is something you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5852,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-5851","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Do Climate Risks Affect Your Next Home?&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/how-do-climate-risks-affect-your-next-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Do Climate Risks Affect Your Next Home?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Climate change is impacting where people buy homes. As the experts at the National Association of Realtors (NAR) explain: \u201cSixty-three percent of people who have moved since the pandemic began say they believe climate change is\u2014or will be\u2014an issue in the place they currently live.\u201d If you\u2019re planning to move, climate change is something you [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/how-do-climate-risks-affect-your-next-home\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-28T10:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/files.keepingcurrentmatters.com\/KeepingCurrentMatters\/content\/images\/20240523\/20240528-How-Do-Climate-Risks-Affect-Your-Next-Home.png\" \/>\n<meta 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