Caitlin Constantine

speaker

175 appearances 1 recordings 1 series first heard Feb 2026 last heard 23 Feb

Caitlin Constantine’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Feb 2026 with 1.

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NerdWallet's Smart Money Podcast · Home Insurance Rate Increases and Psychological Traps That Are Costing You · 23 Feb 2026 podcast

And people build their financial plans around the assumption that their home is going to either grow in value or at the very bare minimum maintain its value.

And if you start seeing homes losing value, what does that mean for the financial well-being of those homeowners?

And what does it mean for the property tax base of that community?

And then what happens if homeowners who owe more on their homes than their homes are actually worth, what if they decide to walk away from their mortgages?

The risks and the impacts can ripple outward in ways that are significant and far-reaching and potentially very destructive.

And it raises the question of what happens if an area actually just becomes uninsurable.

So when that happens, the only people who are in a position to buy a home in that area will be cash buyers because lenders will not write mortgages for homes that cannot be insured.

And so that could very well lead to the collapse of the housing market.

So it does raise a lot of concerning questions for what the future will look like for communities that are at high risk of climate related disaster.

Well, I do agree that it is it is pretty bleak, but I do see a lot of signs that people are becoming more aware.

So I'll tell you, when I first started working on this topic in 2023 for this podcast, people didn't understand the connection.

Like I had to really kind of walk them through it.

And now I mention it and they go, oh, that's right.

And that is really the first step because awareness is what will lead to changing behaviors.

And changing behaviors is what leads things to start rippling throughout.

So on our survey, the one that I referenced earlier, we found that 30% of Americans who are planning on buying a home in the next five years, they're actually going to take the risk of severe weather and natural disasters into account when they're deciding where to buy.

And that survey also found that 10 percent of people who don't own homes right now, they're just deciding not to pursue homeownership right now.

And they cite that the costs and risks of climate change are one of the reasons why.

So this awareness is like actually starting to trickle down in the industry because of what I mentioned with these consumer changes.

Home builders are prioritizing energy efficiency because home buyers want it.

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