AUSTIN, Texas - More than one in four U.S. homes—representing $12.7 trillion in real estate value—now face severe or extreme climate risks, according to a Realtor.com report that warns flood, hurricane wind, and wildfire threats are reshaping the housing landscape nationwide.

Methodology:

Realtor.com analyzed home insurance costs using data from Insurify, a digital insurance comparison platform. The study calculated median annual premiums for standard HO-3 homeowners policies—based on single-family homes, good credit, and no recent claims—while factoring in deductibles for hail and hurricane damage.

To improve accuracy, county-level rate data from Insurify were adjusted using property-level modifiers from Realtor.com® listings and matched with the platform’s Automated Valuation Mode

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