Hello peers, recently I was listening to a Podcast that points to climate risk and rising Insurance costs for RE Investors, Houston, and other major TX markets are on this list, and these are the markets we are exploring to add to our Portfolio.  

He's already left TX once too.When I said "uncertain", I mean the current climate.

If a utility doesn't offer this, I'd suggest you still be diligent about following up to make sure they're paying consistently, as properties in cold climates can have disastrous results with water shutoffs and frozen pipes.My properties require tenants to pay all utilities, but I get notices if they do not.  

@Anna Washburn There is no rule to determine the ARV in this climate.

I haven't visited in person, like Shari did with Costa Rica, but I've been reading a lot of good things about Panama myself.As far as I'm concerned, an additional strength not listed by Justin is the variety in climate available in Panama.

Where some might like the idea of owning property in Florida or California because of the climate (and you may be vacationing there often), others might want to put a greater emphasis on cash flow, or potential growth and appreciation... or all of the above! 

Most importantly talk to your tenant, because it might be something they do.Are you in a damp climate? 

Texas has the legal climate you want to invest in because they are both investor and business friendly.

To the East the climate quickly gets harsh in Anza Borrego.  

You do not mention location, but obviously if in a cold climate and you are minimally insulated a lot of gas will be wasted, with or without tenants, just to keep the space above freezing.