Skip to main content

Thank you for visiting nature.com. You are using a browser version with limited support for CSS. To obtain the best experience, we recommend you use a more up to date browser (or turn off compatibility mode in Internet Explorer). In the meantime, to ensure continued support, we are displaying the site without styles and JavaScript.

Advertisement

Nature Communications
  • View all journals
  • Search
  • My Account Login
  • Content Explore content
  • About the journal
  • Publish with us
  • Sign up for alerts
  • RSS feed
  1. nature
  2. nature communications
  3. articles
  4. article
Challenges and opportunities in scaling climate-resilient housing solutions in the United States
Download PDF
Download PDF
  • Article
  • Open access
  • Published: 26 January 2026

Challenges and opportunities in scaling climate-resilient housing solutions in the United States

  • Nadia A. Seeteram  ORCID: orcid.org/0000-0002-2266-75731,
  • Linda Shi  ORCID: orcid.org/0000-0002-2444-367X2,
  • Katharine J. Mach  ORCID: orcid.org/0000-0002-5591-81483,4,
  • Alizé Carrère4,
  • Trinish Chatterjee  ORCID: orcid.org/0009-0009-5242-911X5,
  • Anna Garner6 &
  • …
  • Radley M. Horton  ORCID: orcid.org/0000-0002-5574-99621 

Nature Communications , Article number:  (2026) Cite this article

  • 673 Accesses

  • 7 Altmetric

  • Metrics details

We are providing an unedited version of this manuscript to give early access to its findings. Before final publication, the manuscript will undergo further editing. Please note there may be errors present which affect the content, and all legal disclaimers apply.

Subjects

  • Climate-change adaptation
  • Climate-change impacts
  • Energy and society

Abstract

Intensifying climate-related damages across the United States underscore the importance of climate-resilient housing, which requires coordination across diverse actors in the housing sector. Here, we assess the challenges and opportunities for reducing climate impacts on housing within U.S. coastal communities, based on 64 interviews with experts across housing-relevant public, private, and nonprofit sectors. We provide an overview of risk reduction actions being implemented as well as barriers and enablers to scaling up these responses. We find that current risk reduction actions focus on small-scale property-level adjustments or early-stage advocacy, though experts desire solutions that enable systems-wide reductions of climate–housing risks. Path dependencies, financing, and other entrenched multi-sectoral challenges currently limit resilient housing development. Experts perceive government interventions as essential in enabling resilient housing, and we find that government-led, multi-stakeholder collaborations have already catalyzed action. Understanding these cross-sectoral dynamics can inform actions and pathways to increase climate–housing resilience nationwide.

Similar content being viewed by others

The growing void in the U.S. homeowners insurance market: who should bear the rising cost of climate change?

Article Open access 10 April 2025

Long-term effects of redlining on climate risk exposure

Article 17 May 2024

Optimising housing typology distributions for multi-hazard loss reductions in resource-constrained settings

Article Open access 07 October 2025

Data availability

Data are not publicly available due to them containing information that could compromise research participant privacy or consent. The data that support the findings of this study are available on request from the corresponding author, NAS. Please allow up to 4 weeks for a response. Interviews were conducted with approval from the Institutional Review Board at Columbia University.

Code availability

Code available at https://doi.org/10.5281/zenodo.1792369356.

References

  1. Porter, K., et al.. Resilience Incentivization Roadmap 2.0. https://www.nibs.org/files/pdfs/NIBS_MMC_resilience-incentivization-roadmap2_2023.pdf (2023).

  2. U.S. Census Bureau. Phase 4.1 cycle 04 household pulse survey: April 2 - April 29. (2024).

  3. Hauer, M. E. et al. Assessing population exposure to coastal flooding due to sea level rise. Nat. Commun. 12, 6900 (2021).

    Google Scholar 

  4. Kearns, E. J. et al. The construction of probabilistic wildfire risk estimates for individual real estate parcels for the contiguous United States. Fire 5, 117 (2022).

    Google Scholar 

  5. Seeteram, N. A. et al. Living with water: evolving adaptation preferences under increasing sea-level rise in Miami-Dade County, FL, USA. Clim. Risk Manag. 42, 100574 (2023).

    Google Scholar 

  6. Smith, A. B. U.S. Billion-dollar Weather and Climate Disasters, 1980 - present (NCEI Accession 0209268). NOAA National Centers for Environmental Information https://doi.org/10.25921/STKW-7W73 (2020).

  7. Hino, M. et al. High-tide flooding disrupts local economic activity. Sci. Adv. 5, eaau2736 (2019).

    Google Scholar 

  8. Hauer, M., Mueller, V. & Sheriff, G. US Commuting Delays from Tidal Flooding Worsen with Sea Level Rise. https://www.researchsquare.com/article/rs-861767/v1 (2021).

  9. Freddie Mac. Housing Supply: A Growing Deficit. Research Note. https://www.freddiemac.com/research/insight/20210507-housing-supply#:~:text=As%20of%20the%20fourth%20quarter,target%20vacancy%20rate%20of%2013%25. (2021).

  10. The Joint Center for Housing Studies at Harvard University. The State of the Nation’s Housing. https://www.jchs.harvard.edu/sites/default/files/reports/files/Harvard_JCHS_The_State_of_the_Nations_Housing_2023.pdf. (2023).

  11. Rañeses, M. K. et al. Housing for now and the future: a systematic review of climate-adaptive measures. Sustainability 13, 6744 (2021).

    Google Scholar 

  12. Schaffrin, A. & Reibling, N. Household energy and climate mitigation policies: Investigating energy practices in the housing sector. Energy Policy 77, 1–10 (2015).

    Google Scholar 

  13. Marx, R. & Remor, I. Developing a Climate-Resilient and Green Affordable Housing Supply through Flexible Loans: The Case of the Solar and Energy Loan Fund (SELF). https://www.urban.org/research/publication/developing-climate-resilient-and-green-affordable-housing-supply-through-flexible-loans (2025).

  14. Hulathdoowage, N. D. et al. Reviewing the contribution of retrofitting for climate resilience in residential buildings. Int. J. Disaster Resil. Built Environ. 15, 324–340 (2023).

    Google Scholar 

  15. Schnieders, J. et al. Design and realisation of the Passive House concept in different climate zones. Energy Efficiency 13, 1561–1604 (2020).

    Google Scholar 

  16. Hiar, C. A contradiction’: U.S. subsidizes ‘sustainable’ buildings, but leaves them vulnerable to floods. Politico (2023).

  17. U. S. Green Building Council. Climate Resilience Assessment | U.S. Green Building Council. https://www.usgbc.org/credits/existingbuildings/v5/ipp1?return=/credits/Existing%20Buildings/v5 (2025).

  18. Liyanage, D. R. et al. Climate adaptation of existing buildings: a critical review of planning energy retrofit strategies for future climate. Renew. Sustain. Energy Rev. 199, 114476 (2024).

    Google Scholar 

  19. Fuchs, M. et al. Climate-resilience-oriented transformations of housing policy: strategic impulses from a multi-level real-world lab in the Ruhr. Town Plan. Rev. 93, 211–233 (2022).

    Google Scholar 

  20. Martín, C., Teles, D. & DuBois, N. Understanding the pace of HUD’s disaster housing recovery efforts. Hous. Policy Debate 32, 102–127 (2022).

    Google Scholar 

  21. Adeyemi, A. B. et al. Affordable housing and resilient design: preparing low-income housing for climate change impacts. Int. j. appl. res. soc. sci. 6, 2179–2190 (2024).

    Google Scholar 

  22. Charoenkit, S. & Kumar, S. Building low-carbon and disaster-resilient communities: integrating climate mitigation and adaptation into the assessment of self-help housing design. Mitig. Adapt Strateg Glob. Change 22, 695–728 (2017).

    Google Scholar 

  23. Anh, T. T., Phong, T. V. G. & Mulenga, M. Community consultation for climate resilient housing: A comparative case study in Vietnam. Int. J. Disaster Risk Reduct. 10, 201–212 (2014).

    Google Scholar 

  24. Schuetz, J. How will US households adjust their housing behaviors in response to climate change? Real Estate Economics https://doi.org/10.5281/zenodo.17923693 (2024).

  25. Bubeck, P. et al. Insights into flood-coping appraisals of protection motivation theory: empirical evidence from Germany and France: insights into flood-coping appraisals of protection motivation theory. Risk Anal. 38, 1239–1257 (2018).

    Google Scholar 

  26. Mach, K. J. et al. Managed retreat through voluntary buyouts of flood-prone properties. Sci. Adv. 5, eaax8995 (2019).

    Google Scholar 

  27. Siders, A. R. Social justice implications of US-managed retreat buyout programs. Clim. Change 152, 239–257 (2019).

    Google Scholar 

  28. Siders, A. R. Managed retreat in the United States. One Earth 1, 216–225 (2019).

    Google Scholar 

  29. Greer, A., Brokopp Binder, S. & Zavar, E. From hazard mitigation to climate adaptation: a review of home buyout program literature. Hous. Policy Debate 32, 152–170 (2022).

    Google Scholar 

  30. Curran-Groome, W. et al. Complexities and costs of floodplain buyout implementation. Land Use Policy 118, 106128 (2022).

    Google Scholar 

  31. Binder, S. B. & Greer, A. The devil is in the details: linking home buyout policy, practice, and experience after hurricane sandy. PaG 4, 97–106 (2016).

    Google Scholar 

  32. Kulp, S. A. & Strauss, B. New elevation data triple estimates of global vulnerability to sea-level rise and coastal flooding | Nature Communications. https://www.nature.com/articles/s41467-019-12808-z?te=1&nl=climate-fwd:&emc=edit_clim_20200817 (2019).

  33. Sanders, B. F. et al. Large and inequitable flood risks in Los Angeles, California. Nat. Sustain 6, 1–11 (2022).

    Google Scholar 

  34. Seeteram, N. A. et al. Modes of climate mobility under sea-level rise. Environ. Res. Lett. 18, 114015 (2023).

    Google Scholar 

  35. Rumbach, A. et al. Building a Climate-Resilient Manufactured Housing Stock: Framing the Challenge and Identifying Opportunities for Federal Action. https://www.urban.org/research/publication/building-climate-resilient-manufactured-housing-stock (2025).

  36. Blood, M. California insurance market rattled by withdrawal of major companies. (2023).

  37. Mason, K. Florida residents being dropped by private insurance companies turn to state-backed insurer. WUFT (2023).

  38. Henderson, M. & Slocum, J. The Louisiana Survey 2023. 77 https://www.lsu.edu/manship/research/centers-labs/rcmpa/research/la_survey_reports_pdf/2023_la_survey_full_report.pdf (2023).

  39. TheWhite House. National Climate Resilience Framework. https://www.whitehouse.gov/wp-content/uploads/2023/09/National-Climate-Resilience-Framework-FINAL.pdf (2023).

  40. Gill, J. & Schuetz, J. How to nudge Americans to reduce their housing exposure to climate risks. https://www.brookings.edu/articles/how-to-nudge-americans-to-reduce-their-housing-exposure-to-climate-risks/ (2023).

  41. Flavelle, C. How the North Carolina Legislature Left Homes Vulnerable to Helene. The New York Times (2024).

  42. Melton, P. Future climate and professional liability: AIA weighs in. BuildingGreen https://www.buildinggreen.com/newsbrief/future-climate-and-professional-liability-aia-weighs (2022).

  43. Rosenhall, L., Karlamangla, S. & Nagourney, A. California Rolls Back Its Landmark Environmental Law. The New York Times. (2025).

  44. Alabama department of insurance and center for risk and insurance research, University of Alabama. Fortified Performance in Hurricane Sally. https://aldoi.gov/PDF/News/PerformanceIBHSFortifiedHomeConstructionHurricaneSally.pdf (2025).

  45. Ellfeldt, A. California insurers begin giving discounts for fire-proofed homes. E&E News by POLITICO https://www.eenews.net/articles/california-insurers-begin-giving-discounts-for-fire-proofed-homes/ (2024).

  46. Ahmed, I. Amphibious housing as a sustainable flood resilient solution: case studies from developed and developing cities. in Adapting the Built Environment for Climate Change 349–370 https://doi.org/10.1016/B978-0-323-95336-8.00011-1 (Elsevier, 2023).

  47. Condon, M. Climate services: the business of physical risk. SSRN Journal https://doi.org/10.2139/ssrn.4396826 (2023).

  48. Fiedler, T. et al. Business risk and the emergence of climate analytics. Nat. Clim. Chang. 11, 87–94 (2021).

    Google Scholar 

  49. Bates, P. Fundamental limits to flood inundation modelling. Nat. Water 1, 566–567 (2023).

    Google Scholar 

  50. Schubert, J. E., Mach, K. J. & Sanders, B. F. National-scale flood hazard data unfit for urban risk management. Earth’s. Future 12, e2024EF004549 (2024).

    Google Scholar 

  51. Gourevitch, J. D. et al. Unpriced climate risk and the potential consequences of overvaluation in US housing markets. Nat. Clim. Chang. 13, 1–8 (2023).

    Google Scholar 

  52. McNaught, R. The application of collaborative governance in local level climate and disaster resilient development – a global review. Environ. Sci. Policy 151, 103627 (2024).

    Google Scholar 

  53. Kousky, C. et al K. Driving loss reduction through state-created residual insurance markets. (2025).

  54. U.S. Department of Housing and Urban Development. HUD publishes final rule for federal flood risk management standard (FFRMS). https://www.hudexchange.info/news/hud-publishes-final-rule-for-federal-flood-risk-management-standard-ffrms (2024).

  55. U.S. Federal Emergency Management Agency. Biden-Harris Administration Finalizes Rule to Increase Resilience Against Flooding Nationwide | FEMA.gov. https://www.fema.gov/press-release/20240710/biden-harris-administration-finalizes-rule-increase-resilience-against (2024).

  56. Seeteram, N. Data analysis and figure codes. Zenodo. https://doi.org/10.5281/zenodo.17923693 (2025).

Download references

Acknowledgments

N.S. acknowledges support from The Climate School at Columbia University. N.S. and R.H. acknowledge support from the Consortium for Climate Risk in the Urban Northeast, funded by the National Oceanic and Atmospheric Administration’s Climate Adaptation Partnerships Program (Award NA21OAR4310313), formerly known as the Regional Integrated Sciences and Assessments (RISA) Program. T.C. acknowledges support from the U.S. Geological Survey, Northeast Climate Adaptation Science Center (NE CASC) through Grant No. G19AC00091. We thank Elena Hartley | elabarts.com for the illustration in Fig. 2.

Author information

Authors and Affiliations

  1. Columbia Climate School, Columbia University, New York, NY, USA

    Nadia A. Seeteram & Radley M. Horton

  2. Department of City and Regional Planning, Cornell University, Ithaca, NY, USA

    Linda Shi

  3. Department of Environmental Science and Policy, Rosenstiel School of Marine, Atmospheric, and Earth Science, University of Miami, Miami, FL, USA

    Katharine J. Mach

  4. Leonard and Jayne Abess Center for Ecosystem Science and Policy, University of Miami, Coral Gables, FL, USA

    Katharine J. Mach & Alizé Carrère

  5. Department of Earth and Environmental Sciences, Columbia University, New York, NY, USA

    Trinish Chatterjee

  6. Department of Political Science, Columbia University, New York, NY, USA

    Anna Garner

Authors
  1. Nadia A. Seeteram
    View author publications

    Search author on:PubMed Google Scholar

  2. Linda Shi
    View author publications

    Search author on:PubMed Google Scholar

  3. Katharine J. Mach
    View author publications

    Search author on:PubMed Google Scholar

  4. Alizé Carrère
    View author publications

    Search author on:PubMed Google Scholar

  5. Trinish Chatterjee
    View author publications

    Search author on:PubMed Google Scholar

  6. Anna Garner
    View author publications

    Search author on:PubMed Google Scholar

  7. Radley M. Horton
    View author publications

    Search author on:PubMed Google Scholar

Contributions

N.S. conceptualized the study. N.S., L.S., K.M., A.C., and R.H. developed the methodology. N.S. conducted data collection. N.S., T.C., and A.G. conducted the analysis. N.S., L.S., K.M., and R.H. interpreted the results. N.S. and T.C. created data visualizations. N.S. drafted the original manuscript, and L.S., K.M., and R.H. assisted with the writing process. All authors reviewed and edited the manuscript.

Corresponding author

Correspondence to Nadia A. Seeteram.

Ethics declarations

Competing interests

The authors declare no competing interests.

Peer review

Peer review information

Nature Communications thanks Piotr Matczak, who co-reviewed with Zuzanna Kurowska, and the other anonymous reviewer(s) for their contribution to the peer review of this work. A peer review file is available.

Additional information

Publisher’s note Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.

Supplementary information

Supplementary Information

Reporting Summary

Transparent Peer Review file

Rights and permissions

Open Access This article is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License, which permits any non-commercial use, sharing, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons licence, and indicate if you modified the licensed material. You do not have permission under this licence to share adapted material derived from this article or parts of it. The images or other third party material in this article are included in the article’s Creative Commons licence, unless indicated otherwise in a credit line to the material. If material is not included in the article’s Creative Commons licence and your intended use is not permitted by statutory regulation or exceeds the permitted use, you will need to obtain permission directly from the copyright holder. To view a copy of this licence, visit http://creativecommons.org/licenses/by-nc-nd/4.0/.

Reprints and permissions

About this article

Check for updates. Verify currency and authenticity via CrossMark

Cite this article

Seeteram, N.A., Shi, L., Mach, K.J. et al. Challenges and opportunities in scaling climate-resilient housing solutions in the United States. Nat Commun (2026). https://doi.org/10.1038/s41467-026-68595-x

Download citation

  • Received: 27 March 2025

  • Accepted: 08 January 2026

  • Published: 26 January 2026

  • DOI: https://doi.org/10.1038/s41467-026-68595-x

Share this article

Anyone you share the following link with will be able to read this content:

Sorry, a shareable link is not currently available for this article.

Provided by the Springer Nature SharedIt content-sharing initiative

Download PDF

Advertisement

Explore content

  • Research articles
  • Reviews & Analysis
  • News & Comment
  • Videos
  • Collections
  • Subjects
  • Follow us on Facebook
  • Follow us on Twitter
  • Sign up for alerts
  • RSS feed

About the journal

  • Aims & Scope
  • Editors
  • Journal Information
  • Open Access Fees and Funding
  • Calls for Papers
  • Editorial Values Statement
  • Journal Metrics
  • Editors' Highlights
  • Contact
  • Editorial policies
  • Top Articles

Publish with us

  • For authors
  • For Reviewers
  • Language editing services
  • Open access funding
  • Submit manuscript

Search

Advanced search

Quick links

  • Explore articles by subject
  • Find a job
  • Guide to authors
  • Editorial policies

Nature Communications (Nat Commun)

ISSN 2041-1723 (online)

nature.com sitemap

About Nature Portfolio

  • About us
  • Press releases
  • Press office
  • Contact us

Discover content

  • Journals A-Z
  • Articles by subject
  • protocols.io
  • Nature Index

Publishing policies

  • Nature portfolio policies
  • Open access

Author & Researcher services

  • Reprints & permissions
  • Research data
  • Language editing
  • Scientific editing
  • Nature Masterclasses
  • Research Solutions

Libraries & institutions

  • Librarian service & tools
  • Librarian portal
  • Open research
  • Recommend to library

Advertising & partnerships

  • Advertising
  • Partnerships & Services
  • Media kits
  • Branded content

Professional development

  • Nature Awards
  • Nature Careers
  • Nature Conferences

Regional websites

  • Nature Africa
  • Nature China
  • Nature India
  • Nature Japan
  • Nature Middle East
  • Privacy Policy
  • Use of cookies
  • Legal notice
  • Accessibility statement
  • Terms & Conditions
  • Your US state privacy rights
Springer Nature

© 2026 Springer Nature Limited

Nature Briefing Anthropocene

Sign up for the Nature Briefing: Anthropocene newsletter — what matters in anthropocene research, free to your inbox weekly.

Get the most important science stories of the day, free in your inbox. Sign up for Nature Briefing: Anthropocene