Climate change and its related disasters have brought a new set of risks to homeowners, renters and the value of property—but also a chance for change. The multiple challenges posed by these disasters offer an opportunity to reevaluate our housing policy, especially concerning making traditional housing markets more effective and inclusive.

Among the many sectors and industries requiring climate solutions, stable and affordable housing is critical to developing disaster resilient communities. Despite the need to prepare for a climate-changed future, structural reform in the housing sector is an underused tool for helping communities develop ways to better endure disasters. This is particularly true in the many Black-majority neighborhoods that are more vulnerable to disaster impacts.

Housing issues often amplify the impacts of a disaster on Black communities

Black communities, which are often more vulnerable when floods, fires or disasters occur, often bear the brunt of climate impacts due, in no small part, to poor quality housing and community infrastructure. Yet, many of these same communities have limited control over local housing decisions, exacerbating their vulnerability.

These neighborhoods, often situated in historically devalued areas with poorer quality infrastructure in which homeowners have fewer resources to draw on, face unique challenges when disasters occur. As the damage from floods, storms, and wildfires becomes more severe, the economic security of homeowners in the most disaster-prone areas is threatened by rising insurance premiums in addition to damage to assets and a reduction in home equity, which all eat away at a family’s wealth. Homeowners in cities like Charleston, for example, are likely to face hefty costs to stay dry, such as the expense of raising foundations.

In the most at-risk areas, like low-lying coastal plains threatened by sea level rise, climate-related disasters are undermining the viability of entire neighborhoods. That impact is sometimes increased by city councils that are reluctant to invest in adaptations to the built environment — buildings, design codes and other human-made conditions — that could lower the threat posed by a disaster.

But housing quality can also indirectly amplify the impacts of disasters. Poorly insulated housing, for example, can increase the cost of heating and cooling during temperature extremes and raise healthcare costs when, for example, residents expose themselves to health risk to avoid a high AC bill.

Read the full article about investing in housing resilience by Manann Donoghoe and Andre M. Perry at Brookings.