Houston and surrounding Texas coastal areas are at major risk from flooding due to hurricanes and proximity to the Gulf of Mexico. And I am also deliberately planning to buy a home in a more climate-change stable area, rather than the following five cities. It's certainly helpful for safety and comfort now, and as I get my financial ducks in a row to buy a home in the next few years, I intend to prioritize looking for a home with central air conditioning, due to climate change. This is because, as older residents will tell you, it was never needed in the past. I live in a part of the country with very cold and snowy winters, and where central air conditioning is uncommon in older homes (unless it was added later). Parts of the Northwest, Midwest, and Northeast could be less susceptible to issues resulting from drought and sea-level rise, but these areas are heating up as average temperatures increase. In reading the list below, you may wonder about the risk to your own housing and insurance costs if you live in a region not discussed here. Recent research from The Ascent notes that, based on data from Swiss Re, the world's largest reinsurer, home insurance premiums could increase by 5.3% every year through 2040. This extends to homeownership, and the costs homeowners will incur from higher homeowners insurance rates and potential damage from changing weather conditions will be significant. It's scary to think about, but human-created climate change is shaping our world, and as time goes on, we will see more and more effects of it on our everyday lives. Check out The Ascent's picks for the best mortgage lenders
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