Climate change is increasing the risk of dangerous floods. But people often balk at the cost of flood insurance, especially since many doubt they need protection.

As climate change increases the frequency of environmental disasters, experts say federal cuts could leave California and other states vulnerable in the years ahead.

In Indianapolis, climate change is not just a future threat — it is already worsening heat, flooding and air quality.

We must ensure the next governor is committed to lead New Jersey into a new era of proactive investments in a more climate-resilient future.

But far more people could be at risk. FEMA's 100-year flood zone maps include just under 8 million properties. But First Street estimates that nearly 18 million homes are at risk of flooding.

In fact, homes that flood are 57% more likely to default than similar homes that do not. That risk is even greater in areas outside official FEMA flood zones, where flood insurance is less common.

Climate change is raising the risk of dangerous flooding, especially in coastal communities. For some towns on the Jersey Shore, the most practical solution is raising homes off the ground.