The report indicates that, despite the likelihood of flooding, wildfires, or extreme windstorms in some areas, homebuyer demand remains strong, often driven by lower list prices than in nearby lower-risk areas. In Oregon, for example, the median HOA fee in high-risk areas is $423, compared with $114 in lower-risk areas. Los Angeles County homes in higher-risk areas also offer discounts, with homes there priced at 75 percent of those in lower-risk areas and accounting for 23 percent more views. "Following the January 2025 LA wildfires, buyer interest in high-risk homes dropped 10%, yet fully recovered within one month." For those who still choose to purchase homes in high-risk weather zones, Insurance.com recommends ensuring they have adequate replacement cost coverage in the event of a natural disaster.