Earlier quoted context omitted.
If you have or are planning to have a family, you should likely be thinking about just this already on a personal and family level. Do what you can to reduce your footprint, but also do your long-term planning based on expectations of climate change. Among other things, don't buy property within anything considered 100-year or possibly even 500-year flood zones - climate change may mean that 100-year zones start gett…
Meh. I mean I have my family. We’ve bought property. I think the important thing is how careful the local government is about resiliency.
Higher risk areas should already be showing signs of increased cost, because risk doesn't change overnight. A hundred year flood isn't one that happens every hundred years - it's one that should have a 1% chance of happening in any given year. The biggest issue with that is whether the flood maps (https://www.fema.gov/flood-maps) used for pricing are based only on historical data or if they account for climate change.