The pandemic-driven housing boom, especially in Florida, faces threats from escalating climate risks that could undermine long-term property values and generational wealth. Rising insurance costs, now over 20% of mortgage expenses, reduce affordability and erode value. Climate risk causes a slow repricing of housing markets, influenced by costs, demand, and buyer sentiment. Economically strong markets may temporarily resist declines, but wealth transfer faces new challenges in vulnerable areas.
U.S. home prices rose over 23% from 2020 to 2025, with high mortgage rates and…
Florida's February 2026 home sales rose, with closed sales and average prices increasing slightly, contradicting…
Slide 1 Ultra-low mortgage rates below 3% during 2020–2022 created today’s housing market lock-in effect.…
**Slide 1:** Fast-growing states attract residents, reducing housing supply and increasing overall living costs rapidly…
FHFA data showed nationwide prices kept climbing, but growth cooled versus earlier decade. Regional differences…
Recent data shows significant declines in major markets, with Florida experiencing the largest average drop…