Poorer communities in the U.S. are more likely to face falling home values as they struggle to adjust to floods and rising insurance costs, according to an article from Bloomberg.

The Bloomberg article cited analysis from the San Francisco Reserve, which showed that nearly 40% of 175 communities that may see chronic flooding by 2045 also have poverty levels above the national average.

“As the frequency and severity of floods in the U.S. continues to increase due to climate change, the shortcomings of our current tools will be increasingly insufficient to quantify flood risk,” the report said.

Because of increased levels of flood risk, real estate values stand an overwhelming chance of decreasing.

According to Zillow, more than 800,000 existing homes worth $451 billion are at-risk for a 10-year flood by 2050. By 2100, those numbers will jump to 3.4 million existing homes worth $1.75 trillion.

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