Why Every Property Is Exposed
Climate change is no longer a future risk. It is actively reshaping property values, insurance markets, and long‑term real estate viability across the United States.
By Daniel Brouse and Sidd Mukherjee
From coastal flooding and wildfires to insurance withdrawal and health impacts, climate change introduces systemic risk to all real estate markets. The scale and speed of these changes demand immediate attention from property owners, buyers, policymakers, and investors.
Our probabilistic, ensemble-based climate model — which incorporates complex socio-economic and ecological feedback loops within a dynamic, nonlinear system — projects that global temperatures are becoming unsustainable this century. This far exceeds earlier estimates of a 4°C rise over the next thousand years, highlighting a dramatic acceleration in global warming. We are now entering a phase of compound, cascading collapse, where climate, ecological, and societal systems destabilize through interlinked, self-reinforcing feedback loops.
We examine how human activities — such as deforestation, fossil fuel combustion, mass consumption, industrial agriculture, and land development — interact with ecological processes like thermal energy redistribution, carbon cycling, hydrological flow, biodiversity loss, and the spread of disease vectors. These interactions do not follow linear cause-and-effect patterns. Instead, they form complex, self-reinforcing feedback loops that can trigger rapid, system-wide transformations — often abruptly and without warning. Grasping these dynamics is crucial for accurately assessing global risks and developing effective strategies for long-term survival.
What Can I Do?
The single most important action you can take to help address the climate crisis is simple: stop burning fossil fuels.
There are numerous actions you can take to contribute to saving the planet. Each person bears the responsibility to minimize pollution, discontinue the use of fossil fuels, reduce consumption, and foster a culture of love and care.