A climate reckoning for US housing: Too many homes in harm’s way, ‘too many zeros’ in the costs

The question of what to do after disaster strikes is becoming increasingly perilous for the nation. For decades, many experts have warned that too many Americans are living in harm’s way: in floodplains and coastal marshlands, in mountainous terrain where the threat of wildfires looms, in desert landscapes vulnerable to drought.

Millions have continued to move to such areas anyway, and the costs to recover from major disasters now regularly reach into the billions of dollars, much of it paid for with taxpayer money. Once rebuilt, communities are often still vulnerable the next time water or fire reaches their doorsteps, costing billions more.

But with climate change bearing down, how much longer can the system hold?

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