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The report puts climate exposure directly into the affordability conversation for buyers, loan officers, and referral partners.
Realtor.com Research published its 2026 Housing and Climate Risk Report on July 23, reporting that 23.1% of U.S. homes are exposed to at least one type of severe or extreme climate risk from wind, flood, and wildfire. The report summary says those homes represent $11.2 trillion in value.
For mortgage professionals, the headline is not just about weather or property data. It is about borrower affordability, insurance conversations, collateral questions, and the timing of purchase files where the true monthly cost of owning the home may not be clear at pre-approval.