Away from the coast, no hurricanes, fires, floods - we don't even have snowstorms anymore.People can deny climate change all they want or blame it on sun cycles, and frankly, it does not even matter, the reality is that insurance cost will force the issue.You can try to rebuild and you can put houses on stilts in flood areas, or fortify them against high winds and fires, but that makes it expensive.

Those policies that weren’t forced on the plan of last resort, the state run California ‘Fair’ Plan are significantly underinsured.

Your son will be forced to sell or refi, and I bet you that this deal can't handle that situation. 

Chicago need another million people in population to force us to push south.   

Maybe an outside the box idea would be to try to force some equity by making some improvements in the house you live in.

Los Angeles County continues to grapple with devastating wildfires that have claimed five lives, destroyed over 2,000 structures and forced the evacuation of at least 130,000 residents.

Saying these people are forced to pay higher prices is a sham.

This forces people to relocate.

You could force the seller to bring it up to code before the sale is complete as one of the contingencies of buying it, let them deal with it.

In hindsight, they gave loans to people who were terrible tenants, who weren't going to change just because they now owned a house.In response to the Great Recession, higher lending criteria was forced on the industry by the government.