Climate Risk
Field notes tagged “Climate Risk”.
What's Holding Up the Bond
There is a line on your property tax bill for voter-approved debt. It is a bond payment, collected parcel by parcel, with no reserve behind it and no revenue stream underneath it — just assessed value and the people still willing to pay on it. Which makes the credit question a question about the ground.
A “Stable” Insurance Market — Stable for Whom?
The insurers that stepped away from the fires are edging back, and the industry's grade just improved to stable. My read: that stability was purchased from homeowners — one premium hike and one non-renewal at a time.
Qualified Opportunity Zone Funds Require Ten Years. Spend Them on Higher Ground.
The tax break comes with a condition most people overlook: you commit to specific locations for at least ten years. And the exemption only has value if the investment actually appreciates.
Beyond the Coast: The Climate Risks Inland Buyers Overlook
Most people picture climate risk as a coastline — hurricanes and rising seas. So they buy inland and feel safe. But the risks growing fastest are landlocked, and they reprice a home the same way the water does.
The Costs a Listing Won't Show You
Price, beds, square footage — a listing tells you the cost to buy. The costs that decide whether it's actually a good deal are the ones it leaves out.
Your Insurance Quote Is a Climate Forecast
When a place gets riskier, prices are the last thing to move. Insurance is the first — carriers reprice every year, and they're paid to be right about risk. Here's how to read a quote like the forecast it is.