Homebuyers Are Thinking About Natural Disasters More Than Ever

Buying a home is one of the largest investments most people will ever make. That’s why today’s homebuyers are increasingly considering long-term risks like maintenance, repairs, and even natural disasters before signing on the dotted line.

According to a recent national survey, 69% of homeowners said they factored in the risk of natural disasters — such as floods, wildfires, hurricanes, or earthquakes — when purchasing their property. Another 61% said they worry a disaster could destroy their home, reflecting growing awareness of climate-related threats and the need for preparedness.

Concern Is High, But Preparedness Is Low

While most homeowners recognize the risk, few feel ready to handle it. Only 7% of respondents believe their homes are fully prepared for a natural disaster, and 11% admitted they don’t even know the specific risks in their area. This lack of confidence highlights the need for better education, local hazard awareness, and strong insurance protection.

Surprisingly, even with these concerns, one in three Americans said they’d still buy in an at-risk area — but only if the property came at a deep discount. That trade-off underscores the importance of balancing affordability with risk management when evaluating a home purchase.

What This Means for Buyers

Before buying, experts recommend researching local disaster risks, reviewing flood and hazard maps, and ensuring your homeowners insurance provides adequate coverage for region-specific events. A well-informed decision helps protect both your property and long-term financial security.

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