U.S. homes face trillions of dollars of risk from wind, fire and flood 

Los Angeles and New York City were among the metros with the highest total value of homes in danger

U.S. homes face trillions of dollars of risk from wind, fire and flood 

Los Angeles and New York City were among the metros with the highest total value of homes in danger

Trillions of dollars’ worth of U.S. homes are at risk from damage caused by fire, flooding or wind, according to a recent study by Zillow. 

Using climate risk data supplied by First Street, the Seattle-based real estate company found that the value of U.S. homes at risk for major wind damage totals at least $17 trillion. Homes worth $9.1 trillion face fire threats, while floods could damage homes valued at $7 trillion. 

Riverside, Calif., has the highest percentage of homes at risk for fire damage, according to the Zillow study. Homes in New Orleans face the highest risk for flood damage, while Miami has the largest fraction of homes at risk for wind damage. 

The analysis also broke down climate risk by major metropolitan areas. The Los Angeles metro area has the highest total value of homes at risk of major fires at $831 billion. The New York City metro area actually topped two lists, with $3 billion worth of homes vulnerable to extreme wind damage and $593 billion worth of homes facing major flood risks. 

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Lauren Robert | 35

Leader Bank

Arlington, Massachusetts

5 years in business

In 2023, Lauren helped launch Leader Bank’s Cape Cod Mortgage Office, growing the team from #11 to #2 Purchase Lender. Her volume rose over 40% to $40M in 2025. She’s built a thriving business, a new loan office, and raised three kids. She is a rock star!

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