Related:
A browser extension that restores climate hazard risks for CA Zillow listings - https://news.ycombinator.com/item?id=46707801 - January 2026
Climate risk is a direct influence on future equity gains [1 [2] and homeowner insurance costs [3] [4] [5], so it is prudent and reasonable to consider when making the largest purchase of most folk's lives.
[1] A Climate ‘Shock’ Is Eroding Some Home Values. New Data Shows How Much. - https://www.nytimes.com/interactive/2025/11/19/climate/home-... | https://archive.today/Hf9h9 - November 19th, 2025
[2] Trillions in U.S. Home Value Face Major Risk from Fire, Flood and Wind - https://www.zillow.com/research/climate-risk-home-value-3493... - March 12th, 2025
[3] About half of Americans understand that global warming is increasing homeowners insurance costs - https://climatecommunication.yale.edu/publications/americans... - September 9th, 2025
[4] Climate change is upending homeowners insurance nationwide - https://www.hbs.edu/bigs/climate-change-upending-homeowners-... - August 21st, 2025
[5] When Insurers Exit (2023) - https://news.ycombinator.com/item?id=41664750 - September 2024 (35 comments)
https://news.ycombinator.com/item?id=43366311 (additional citations)
https://news.ycombinator.com/item?id=42450680 (additional citations)
From the first link:
> While climate risk is affecting attitudes, it isn't to the point where majorities of buyers are considering a move to a region they consider less risky. About half plan to remain in areas that pose the same climate risks they already face. Some are even thinking about moving to areas with more risks. Only 23% reported that they are considering homes in areas that they believe to be safer from the dangers of climate disasters.
... So then I don't understand what they are doing with the information.
Here's an example of a house in Carmel Valley that's a fire risk, and sat on the market for a long time, had a bunch of price reductions and listing pulled and relisted, finally sold underpriced because buyers were realizing they can't get insurance:
https://www.zillow.com/homedetails/50-La-Rancheria-Carmel-Va...
Lack of insurance coverage pays a pretty big role in the market right now, I have some friends who are paying $30,000 annually for insurance in the La Honda Hills.
SilverElfin•2w ago
MattGaiser•2w ago
toomuchtodo•2w ago
SilverElfin•2w ago