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Hey everyone, welcome back to Meteorology Matters.

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It's great to be back.

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Man, January's been a wild month for weather, hasn't it?

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I mean, we've had everything,

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raging wildfires in Southern California,

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that crazy snowstorm across the South.

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It really makes you realize, doesn't it,

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just how much extreme weather can really impact us.

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And we're not even talking about the human cost.

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Right.

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Just the financial hit from that snowstorm alone.

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Yeah.

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Estimated to be what, 15, maybe even $17 billion.

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It really puts things into perspective, doesn't it?

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The power of mother nature.

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And it makes you think about,

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well, how these kinds of events impact us financially

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in ways we might not always consider.

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Exactly.

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So speaking of finances,

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today we're gonna be talking about something

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that hits close to home for, well, pretty much everyone,

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property taxes.

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Okay.

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But we're gonna be looking at it with a bit of a twist.

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We're gonna be focusing on how climate risks

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are starting to play a larger role in all of this.

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Okay, so I think most people probably,

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you don't think of their property taxes

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as just like tied to the value of their home.

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Right.

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Is there more to it than that?

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There's a lot more to it.

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And it's actually becoming even more complex.

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Okay.

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Especially with the rise in these natural disasters

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we've been talking about.

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For example, one of the biggest impacts we're seeing

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is on insurance premiums.

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Okay.

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Because after a major event,

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like a hurricane or a wildfire,

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insurance companies reassess their risk.

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And guess what?

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What?

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They often raise their rates,

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particularly in areas that are more prone

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to those kinds of events.

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Yeah, we're seeing that a lot in Florida right now.

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You know, some insurers are even backing out.

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They're refusing to write new policies.

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Oh, wow.

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Especially for those waterfront properties.

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Right.

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You know, otherwise everybody wants.

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So imagine if you can't get insurance.

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Good luck getting a mortgage.

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Exactly.

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I mean, and even if you can secure insurance

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those premiums can really skyrocket.

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So that really makes home ownership

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in these high risk areas well a lot more expensive.

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Yeah.

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It's a major factor for people to think about.

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Definitely.

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When they're thinking about where they might wanna buy.

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Absolutely.

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And then there's this whole other issue

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of property reassessments after a natural disaster.

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Okay.

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Because if properties are damaged

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they often get reassessed at a lower value.

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Okay.

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Which, you know, on the surface,

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lower value, lower taxes.

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Sounds good.

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Yeah, at first.

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But I'm guessing there's a catch.

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There's a catch.

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Because municipalities still need to generate that revenue.

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So what often happens is they'll actually raise property tax

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rates across the board.

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Right.

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To kind of compensate for those losses.

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So even if your home wasn't damaged

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you could still end up paying more.

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Exactly.

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Just because there was a disaster

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that hit your community, it's a ripple effect.

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Exactly, a ripple effect.

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Yeah.

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We saw this happen in Miami after Hurricane Irma,

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for example.

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Many homeowners, even in areas that weren't directly hit

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ended up seeing their tax rates go up.

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Just to kind of offset the losses in the harder hit areas.

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Wow.

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And I'm guessing it's not just hurricanes.

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No, not at all.

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Yeah.

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The wildfires, especially out west, California,

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especially, I think they're having a similar effect.

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Absolutely.

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Higher taxes in certain areas to cover, you know,

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rebuilding, fire prevention, it adds up.

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It really does.

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But it's good to see that some areas

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are trying to offer some relief to homeowners.

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You know, the ones who are hit hard by these disasters.

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Like what kind of relief?

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Well, Los Angeles County, for example,

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they have a program specifically for property tax

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disaster relief.

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And essentially, if your property value drops

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by a certain amount, I think it's like $10,000 or more

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because of a disaster, you can actually apply

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for a temporary tax reduction.

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Or you might even get a refund.

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That's good.

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Yeah.

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Are there other examples out there?

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There are.

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New York State actually recently passed

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a climate change property tax relief bill.

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And basically, it's aimed at providing assessment relief

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and even potential tax refunds or credits

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to eligible property owners who've

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been impacted by these sorts of events.

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So it seems like there's at least some recognition out

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there that this is a growing problem.

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Yeah.

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And some areas are trying to do something to help.

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What still gets me is that people are still

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moving to these areas.

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I know.

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It's a bit of a paradox, isn't it?

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You think with all these increasing threats

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from these events, hurricanes, wildfires, floods,

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that people would be hesitant to move to these areas?

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But we're actually seeing the opposite.

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Exactly.

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Like, take Florida.

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I mean, it's Hurricane prone.

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We all know that.

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But the state still gained millions of new residents

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between 2000 and 2023.

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Wow.

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And California's Sierra Nevada region,

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I mean, same thing.

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People are moving there despite the growing

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threat of wildfires.

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It seems like for many people that appeal of the lifestyle

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and the economic opportunities often

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outweigh the perceived risks.

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It's like Florida, you know, sunshine, beaches.

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That whole, that vibe, it's a huge draw for retirees.

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Anyone seeking a warmer, more relaxed kind of lifestyle.

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And in California, I mean, that booming tech industry,

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the job market in the Sierra Nevada, it's pulling people in.

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And they're willing to take that risk of the wildfire.

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Exactly.

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So it's complicated.

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It is.

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People are weighing the risks, I guess,

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against the rewards.

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So it's a personal choice, really.

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But one thing that's really important to consider

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is that climate change is having a direct impact

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on property values in these high risk areas.

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Absolutely.

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And it's happening in a few different ways.

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Yeah, it's multifaceted.

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I mean, one of the biggest impacts

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is that it's really impacting the desirability of properties

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in these vulnerable areas.

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I'd say.

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The flood zones, hurricane prone areas, wildfire prone

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areas, these properties, they're becoming less attractive

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to buyers unless they have very specific features that

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help to mitigate those risks.

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Yeah, I know in Florida, for example,

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homes that are located in FEMA designated flood zones

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often require elevated foundations.

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Oh, wow.

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Even just to be considered for sale.

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That makes sense.

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So if you're thinking of getting that beachfront property,

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you better make sure it can withstand rising sea levels

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and potential flooding.

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Otherwise, it might be tough to sell it down the line.

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Right.

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And buyers are becoming a lot more savvy

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when it comes to these insurance costs, too.

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I mean, we're seeing this in Miami, for example,

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where waterfront properties, they haven't appreciated as much.

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Oh, interesting.

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As inland properties over, say, the past five years.

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So even if you do snag that dream property,

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you might end up paying a lot more for insurance.

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And you might not see the same return on investment.

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Exactly.

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And in some cases, those insurance premiums,

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they become so high that they make a property basically

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unaffordable to insure, which makes it basically

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impossible to sell, or even to get a mortgage.

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So this is painting a really kind of a complex picture.

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It is.

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For anyone looking to buy or sell in these areas.

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It is.

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And it's not just the risk of physical damage

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from a natural disaster that's affecting property values

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and taxes.

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It's also the increased cost of essential services.

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Oh, OK.

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What do you mean by that?

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How do those services play into this?

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Well, think about it.

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If you're living in an area that's prone to disasters,

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the local government often has to spend more on things

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like emergency response, building and maintaining

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flood control infrastructure.

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Oh, yeah, yeah.

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Implementing wildfire prevention measures.

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I see.

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So those costs, they eventually get passed along

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to residents in the form of higher property taxes.

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Exactly.

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We saw this happen in Asheville, North Carolina,

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for example, after they were hit by a major storm.

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Property taxes and flood prone areas,

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they went up significantly to help pay for the recovery.

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So even if your home is spared during a disaster,

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you could still face those higher property taxes

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just because you're in a high risk area.

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That's the reality of it.

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It's definitely something homeowners and potential homeowners

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need to be aware of when they're making decisions.

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OK.

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So this is a lot of information.

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Where do homeowners start if they want to figure out

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how much they're actually paying?

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Well, your most recent property tax statement,

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that's a great place to start because it should break down

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all the details of your current bill.

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OK.

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And then for those who are maybe looking to buy a new home,

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how can they find out about the property taxes?

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Well, typically real estate listings

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will include that information.

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You can also check online.

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Usually the county website, they'll often

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have the annual property tax rates.

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OK.

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Good to know.

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Yeah.

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And I'm guessing that those rates, they can change?

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Oh, absolutely.

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Based on the local real estate market?

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Yeah.

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And all of those costs for the municipal services?

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Right.

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And especially in those higher risk areas

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we were just talking about.

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Exactly.

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Exactly.

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Another thing people often forget about

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is that property taxes, they can also impact

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your federal income taxes.

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That's right.

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So how does that work?

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Well, under the current tax laws,

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you can actually deduct up to $10,000

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in state and local taxes.

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OK.

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Which includes property taxes on your federal income tax

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return.

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Oh, OK.

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But here's the thing.

279
00:09:01,160 --> 00:09:05,880
If your state and local taxes exceed that $10,000 limit,

280
00:09:05,880 --> 00:09:07,720
you can't deduct the extra.

281
00:09:07,720 --> 00:09:09,720
So that's definitely something to keep in mind.

282
00:09:09,720 --> 00:09:13,400
When you're figuring out your overall tax liability.

283
00:09:13,400 --> 00:09:13,920
Yeah.

284
00:09:13,920 --> 00:09:17,040
And just so you know, if you're married and filing separately,

285
00:09:17,040 --> 00:09:20,800
that deduction limit, it actually drops to $5,000.

286
00:09:20,800 --> 00:09:21,480
Oh, wow.

287
00:09:21,480 --> 00:09:21,760
OK.

288
00:09:21,760 --> 00:09:23,880
So there's a lot to consider.

289
00:09:23,880 --> 00:09:24,480
There is.

290
00:09:24,480 --> 00:09:25,960
When it comes to property taxes.

291
00:09:25,960 --> 00:09:28,960
I mean, we talked about how insurance premiums can really

292
00:09:28,960 --> 00:09:30,920
surge after those disasters.

293
00:09:30,920 --> 00:09:34,640
How reassessments can sometimes lead to higher tax rates.

294
00:09:34,640 --> 00:09:37,560
And then the cost of those essential services

295
00:09:37,560 --> 00:09:39,200
in those high risk areas, I mean,

296
00:09:39,200 --> 00:09:42,280
it can all really push those property taxes up even more.

297
00:09:42,280 --> 00:09:43,920
So it's becoming more and more clear

298
00:09:43,920 --> 00:09:45,400
that climate change is really starting

299
00:09:45,400 --> 00:09:47,560
to impact the cost of owning a home.

300
00:09:47,560 --> 00:09:48,640
It absolutely is.

301
00:09:48,640 --> 00:09:50,520
Especially in these vulnerable areas.

302
00:09:50,520 --> 00:09:51,320
Yeah.

303
00:09:51,320 --> 00:09:53,360
And it's something that both current homeowners

304
00:09:53,360 --> 00:09:55,800
and potential homeowners need to be aware of.

305
00:09:55,800 --> 00:09:56,440
For sure.

306
00:09:56,440 --> 00:09:58,440
So before we move on, I want to remind everyone

307
00:09:58,440 --> 00:10:02,320
to check out meteorologist Rob Jones on social media.

308
00:10:02,320 --> 00:10:05,000
He's an amazing resource for everything weather related.

309
00:10:05,000 --> 00:10:07,000
And he always has insights on how climate change is

310
00:10:07,000 --> 00:10:08,120
impacting us.

311
00:10:08,120 --> 00:10:11,600
You can find him on Instagram at meteorologist,

312
00:10:11,600 --> 00:10:15,520
TikTok at TV meteorologist, and on YouTube,

313
00:10:15,520 --> 00:10:18,520
just search at Rob Jones Hurricane.

314
00:10:18,520 --> 00:10:21,000
He has fantastic YouTube channel with a whole playlist

315
00:10:21,000 --> 00:10:22,560
dedicated to meteorology matters.

316
00:10:22,560 --> 00:10:23,720
He's a great follow.

317
00:10:23,720 --> 00:10:24,280
Yeah.

318
00:10:24,280 --> 00:10:26,440
So now let's dig a little deeper into how these climate

319
00:10:26,440 --> 00:10:28,760
risks are playing out in specific regions.

320
00:10:28,760 --> 00:10:30,720
And for this, we'll be focusing on Florida.

321
00:10:30,720 --> 00:10:31,880
OK, sounds good.

322
00:10:31,880 --> 00:10:32,760
Stick with us.

323
00:10:32,760 --> 00:10:34,760
Welcome back to meteorology matters.

324
00:10:34,760 --> 00:10:36,360
So before the break, we were talking

325
00:10:36,360 --> 00:10:39,360
about this complex relationship between climate risks

326
00:10:39,360 --> 00:10:41,720
and property values and taxes.

327
00:10:41,720 --> 00:10:44,760
And now we're going to kind of zero in on Florida, a state

328
00:10:44,760 --> 00:10:46,800
that's really, I mean, right on the front lines

329
00:10:46,800 --> 00:10:48,080
when it comes to climate change.

330
00:10:48,080 --> 00:10:49,240
Yeah, it's interesting, isn't it?

331
00:10:49,240 --> 00:10:52,680
Florida is known for its sunshine, beautiful beaches,

332
00:10:52,680 --> 00:10:55,680
and that relaxed laid back lifestyle.

333
00:10:55,680 --> 00:10:59,280
It's a big draw for retirees, really for anyone

334
00:10:59,280 --> 00:11:00,800
looking for a change of pace.

335
00:11:00,800 --> 00:11:01,960
Right.

336
00:11:01,960 --> 00:11:04,160
But as we've been discussing, that ideal setting

337
00:11:04,160 --> 00:11:05,920
comes with its own set of challenges.

338
00:11:05,920 --> 00:11:06,400
Yeah.

339
00:11:06,400 --> 00:11:08,800
Especially when we talk about climate risks.

340
00:11:08,800 --> 00:11:09,520
Absolutely.

341
00:11:09,520 --> 00:11:15,720
I mean, Florida is especially vulnerable to hurricanes,

342
00:11:15,720 --> 00:11:18,280
sea level rise, flooding.

343
00:11:18,280 --> 00:11:22,160
And all of these can have a huge impact on property values.

344
00:11:22,160 --> 00:11:23,760
Insurance costs.

345
00:11:23,760 --> 00:11:25,480
We touched on this a bit earlier.

346
00:11:25,480 --> 00:11:28,240
You know, those rising insurance premiums,

347
00:11:28,240 --> 00:11:31,600
particularly in Miami, for those waterfront properties.

348
00:11:31,600 --> 00:11:32,000
Yeah.

349
00:11:32,000 --> 00:11:33,680
And it's not just higher premiums either.

350
00:11:33,680 --> 00:11:35,160
I mean, we're seeing some insurance companies

351
00:11:35,160 --> 00:11:36,880
pull out of the state entirely.

352
00:11:36,880 --> 00:11:37,440
Wow.

353
00:11:37,440 --> 00:11:41,080
Because of the risk, which leaves homeowners with fewer

354
00:11:41,080 --> 00:11:44,280
options, and then those premiums can really skyrocket.

355
00:11:44,280 --> 00:11:46,080
So it's a tough spot.

356
00:11:46,080 --> 00:11:46,520
It is.

357
00:11:46,520 --> 00:11:48,920
And even for those homeowners who can still get insurance,

358
00:11:48,920 --> 00:11:52,160
I mean, the cost is going up, and it's going up fast.

359
00:11:52,160 --> 00:11:56,240
And this is partly due to the fact that, well,

360
00:11:56,240 --> 00:11:58,320
hurricanes are becoming more frequent.

361
00:11:58,320 --> 00:12:00,080
They're becoming more intense.

362
00:12:00,080 --> 00:12:02,080
Sea levels are continuing to rise,

363
00:12:02,080 --> 00:12:03,760
which puts more properties at risk.

364
00:12:03,760 --> 00:12:04,760
Exfoliating.

365
00:12:04,760 --> 00:12:07,720
So we're seeing this trend where people are drawn to Florida

366
00:12:07,720 --> 00:12:09,920
for that coastal lifestyle.

367
00:12:09,920 --> 00:12:14,240
But that same lifestyle is becoming more expensive and riskier

368
00:12:14,240 --> 00:12:15,880
because of climate change.

369
00:12:15,880 --> 00:12:18,320
So it's kind of like a paradox, isn't it?

370
00:12:18,320 --> 00:12:18,760
It is.

371
00:12:18,760 --> 00:12:19,840
It's a bit of a paradox.

372
00:12:19,840 --> 00:12:21,440
And it's not just Miami either.

373
00:12:21,440 --> 00:12:26,480
I mean, coastal communities all along Florida's coastline,

374
00:12:26,480 --> 00:12:28,120
they're all facing similar challenges.

375
00:12:28,120 --> 00:12:29,440
I mean, think about it.

376
00:12:29,440 --> 00:12:34,240
As sea levels rise, erosion becomes a bigger problem.

377
00:12:34,240 --> 00:12:37,160
And it's not just threatening properties.

378
00:12:37,160 --> 00:12:39,680
It's also threatening vital infrastructure.

379
00:12:39,680 --> 00:12:42,360
And of course, we can't forget the impact on property taxes.

380
00:12:42,360 --> 00:12:43,240
Absolutely.

381
00:12:43,240 --> 00:12:46,000
We were talking earlier about how local governments,

382
00:12:46,000 --> 00:12:49,600
in those high risk areas, they often have to raise taxes

383
00:12:49,600 --> 00:12:53,480
just to cover the costs of preparing for and recovering

384
00:12:53,480 --> 00:12:54,680
from these disasters.

385
00:12:54,680 --> 00:12:55,360
Exactly.

386
00:12:55,360 --> 00:12:56,240
It all adds up.

387
00:12:56,240 --> 00:12:57,520
Yeah, it really does.

388
00:12:57,520 --> 00:12:59,560
So it seems like homeowners in Florida,

389
00:12:59,560 --> 00:13:01,360
especially those in coastal areas,

390
00:13:01,360 --> 00:13:04,040
they're facing this kind of this triple whammy almost.

391
00:13:04,040 --> 00:13:07,440
Rising insurance costs, the potential for their property

392
00:13:07,440 --> 00:13:10,880
values to actually decline, and then higher property taxes.

393
00:13:10,880 --> 00:13:11,880
So it's a lot to juggle.

394
00:13:11,880 --> 00:13:13,280
It'll a lot to juggle.

395
00:13:13,280 --> 00:13:15,440
So what's the outlook?

396
00:13:15,440 --> 00:13:16,800
I mean, is there any hope?

397
00:13:16,800 --> 00:13:20,200
Are there ways to reduce these risks?

398
00:13:20,200 --> 00:13:23,400
Or are we just kind of stuck with this trajectory?

399
00:13:23,400 --> 00:13:26,600
Well, I think there are solutions.

400
00:13:26,600 --> 00:13:29,280
But it's going to take a multifaceted approach.

401
00:13:29,280 --> 00:13:32,760
I mean, it has to involve individual homeowners,

402
00:13:32,760 --> 00:13:35,720
local governments, the insurance industry,

403
00:13:35,720 --> 00:13:36,640
all working together.

404
00:13:36,640 --> 00:13:39,200
I mean, everyone needs to be on board to tackle this.

405
00:13:39,200 --> 00:13:42,040
So for homeowners, I mean, what can they do to protect

406
00:13:42,040 --> 00:13:42,760
themselves?

407
00:13:42,760 --> 00:13:44,480
Well, I mean, for starters, they can

408
00:13:44,480 --> 00:13:46,840
invest in making their properties more resilient

409
00:13:46,840 --> 00:13:48,320
to climate impacts.

410
00:13:48,320 --> 00:13:48,760
OK.

411
00:13:48,760 --> 00:13:51,280
You know, things like elevating their homes,

412
00:13:51,280 --> 00:13:54,760
reinforcing roofs, installing hurricane-resistant windows.

413
00:13:54,760 --> 00:13:56,640
These can all make a really big difference.

414
00:13:56,640 --> 00:13:58,240
Those sound like pretty big investments, though.

415
00:13:58,240 --> 00:13:58,880
They can be.

416
00:13:58,880 --> 00:14:02,880
But I mean, these upgrades can potentially lower insurance

417
00:14:02,880 --> 00:14:03,600
premiums.

418
00:14:03,600 --> 00:14:06,880
They can help protect property values over the long term.

419
00:14:06,880 --> 00:14:08,360
And I mean, some insurance companies

420
00:14:08,360 --> 00:14:11,200
even offer discounts to homeowners who take these steps.

421
00:14:11,200 --> 00:14:11,800
OK.

422
00:14:11,800 --> 00:14:12,920
So that makes sense.

423
00:14:12,920 --> 00:14:15,760
What about the role of local governments?

424
00:14:15,760 --> 00:14:18,280
I mean, what can they do in all of this?

425
00:14:18,280 --> 00:14:22,040
Well, local governments, they play a really crucial role

426
00:14:22,040 --> 00:14:23,880
in adapting to climate change.

427
00:14:23,880 --> 00:14:27,200
You know, they can invest in infrastructure improvements,

428
00:14:27,200 --> 00:14:28,680
things like sea walls.

429
00:14:28,680 --> 00:14:29,200
Right.

430
00:14:29,200 --> 00:14:32,720
Better drainage systems to help protect communities

431
00:14:32,720 --> 00:14:36,720
from flooding of the effects of sea level rise.

432
00:14:36,720 --> 00:14:40,360
And they can also update building codes

433
00:14:40,360 --> 00:14:42,960
to require more resilient construction

434
00:14:42,960 --> 00:14:45,920
in new developments, you know, build smarter from the ground

435
00:14:45,920 --> 00:14:46,200
up.

436
00:14:46,200 --> 00:14:47,760
So we're not just reacting.

437
00:14:47,760 --> 00:14:48,200
Exactly.

438
00:14:48,200 --> 00:14:49,480
We're trying to get ahead of it a little bit.

439
00:14:49,480 --> 00:14:50,040
Exactly.

440
00:14:50,040 --> 00:14:51,800
Proactive rather than reactive.

441
00:14:51,800 --> 00:14:52,720
OK.

442
00:14:52,720 --> 00:14:54,440
So what about the insurance industry?

443
00:14:54,440 --> 00:14:55,920
I mean, they're really kind of, they're

444
00:14:55,920 --> 00:14:57,760
on the front lines of all this.

445
00:14:57,760 --> 00:14:58,360
They are?

446
00:14:58,360 --> 00:15:00,080
So they must be feeling the pressure.

447
00:15:00,080 --> 00:15:00,960
Oh, they definitely are.

448
00:15:00,960 --> 00:15:02,440
I mean, the insurance industry is really

449
00:15:02,440 --> 00:15:06,040
grappling with how to accurately price risk.

450
00:15:06,040 --> 00:15:08,640
In a climate that's, well, it's constantly changing.

451
00:15:08,640 --> 00:15:10,240
I mean, some insurers are, they're

452
00:15:10,240 --> 00:15:12,800
developing new models that factor in future climate

453
00:15:12,800 --> 00:15:15,640
projections, which can help them assess risk a bit more

454
00:15:15,640 --> 00:15:17,080
effectively.

455
00:15:17,080 --> 00:15:19,120
And some are pushing for government-backed

456
00:15:19,120 --> 00:15:20,320
re-insurance programs.

457
00:15:20,320 --> 00:15:20,840
OK.

458
00:15:20,840 --> 00:15:22,360
And these programs would basically

459
00:15:22,360 --> 00:15:26,000
help to spread the risk and potentially make insurance

460
00:15:26,000 --> 00:15:30,600
more affordable, especially in these high-risk areas.

461
00:15:30,600 --> 00:15:32,520
So it sounds like there are things being done,

462
00:15:32,520 --> 00:15:34,400
but it's complicated.

463
00:15:34,400 --> 00:15:34,880
It is.

464
00:15:34,880 --> 00:15:36,400
There are no easy answers.

465
00:15:36,400 --> 00:15:36,800
No.

466
00:15:36,800 --> 00:15:39,480
It makes you wonder, what about those people who can't afford

467
00:15:39,480 --> 00:15:41,640
to make these adaptations?

468
00:15:41,640 --> 00:15:43,160
Or maybe they're already struggling

469
00:15:43,160 --> 00:15:46,520
to keep up with those rising insurance premiums, property

470
00:15:46,520 --> 00:15:46,960
taxes.

471
00:15:46,960 --> 00:15:49,240
I mean, how do they fit into all of this?

472
00:15:49,240 --> 00:15:52,080
That's a really important point, because unfortunately,

473
00:15:52,080 --> 00:15:55,600
climate change tends to exacerbate existing inequalities.

474
00:15:55,600 --> 00:15:56,120
OK.

475
00:15:56,120 --> 00:15:59,360
You know, lower income communities, communities of color.

476
00:15:59,360 --> 00:16:01,560
They often bear a disproportionate share

477
00:16:01,560 --> 00:16:04,320
of the impact from these climate risks,

478
00:16:04,320 --> 00:16:09,640
because they often have fewer resources to adapt or to relocate.

479
00:16:09,640 --> 00:16:11,720
So it's not just an environmental issue.

480
00:16:11,720 --> 00:16:13,800
It's a social justice issue.

481
00:16:13,800 --> 00:16:14,320
It is.

482
00:16:14,320 --> 00:16:16,800
It's absolutely a social justice issue.

483
00:16:16,800 --> 00:16:18,400
Addressing climate change effectively

484
00:16:18,400 --> 00:16:22,080
means considering the social and economic aspects as well.

485
00:16:22,080 --> 00:16:24,240
And it means creating policies and programs

486
00:16:24,240 --> 00:16:27,280
that ensure everyone has equitable access to resources

487
00:16:27,280 --> 00:16:30,440
and support, especially those who are most vulnerable

488
00:16:30,440 --> 00:16:32,040
to the effects of climate change.

489
00:16:32,040 --> 00:16:33,480
It's pretty heavy stuff.

490
00:16:33,480 --> 00:16:34,080
It is.

491
00:16:34,080 --> 00:16:36,040
But we can't afford to just ignore

492
00:16:36,040 --> 00:16:38,160
these realities of climate change

493
00:16:38,160 --> 00:16:39,920
and how it's impacting our lives,

494
00:16:39,920 --> 00:16:41,760
especially when it comes to something

495
00:16:41,760 --> 00:16:43,880
as fundamental as homeownership.

496
00:16:43,880 --> 00:16:44,520
Absolutely.

497
00:16:44,520 --> 00:16:48,200
I mean, it's a complex and ever-evolving issue.

498
00:16:48,200 --> 00:16:51,400
But understanding those risks, working together

499
00:16:51,400 --> 00:16:53,840
to find solutions, it's essential.

500
00:16:53,840 --> 00:16:56,560
And it is possible we can create a more resilient,

501
00:16:56,560 --> 00:17:00,120
sustainable future for Florida and beyond.

502
00:17:00,120 --> 00:17:00,880
Yeah.

503
00:17:00,880 --> 00:17:03,480
Well, this has been a really eye-opening conversation.

504
00:17:03,480 --> 00:17:06,000
I feel like I have a much better grasp on how climate change is

505
00:17:06,000 --> 00:17:10,840
really impacting us, not just in terms of the weather we see,

506
00:17:10,840 --> 00:17:13,640
but our daily lives, our financial well-being.

507
00:17:13,640 --> 00:17:14,600
This is a big deal.

508
00:17:14,600 --> 00:17:15,680
It is a big deal.

509
00:17:15,680 --> 00:17:17,080
And I'm glad you feel that way.

510
00:17:17,080 --> 00:17:19,040
I mean, it is important to have these conversations

511
00:17:19,040 --> 00:17:22,080
to educate ourselves, to take action.

512
00:17:22,080 --> 00:17:24,800
I mean, we all have a part to play in creating

513
00:17:24,800 --> 00:17:26,440
a more sustainable future.

514
00:17:26,440 --> 00:17:27,400
We do.

515
00:17:27,400 --> 00:17:29,200
Well, on that note, we've come to the end

516
00:17:29,200 --> 00:17:32,040
of this part of our discussion on climate risks

517
00:17:32,040 --> 00:17:33,240
and property taxes.

518
00:17:33,240 --> 00:17:33,800
Right.

519
00:17:33,800 --> 00:17:35,280
It's definitely a complex topic.

520
00:17:35,280 --> 00:17:35,840
It is.

521
00:17:35,840 --> 00:17:37,840
But we hope you've gained some valuable insight.

522
00:17:37,840 --> 00:17:39,760
Yeah, absolutely.

523
00:17:39,760 --> 00:17:41,120
Knowledge is power.

524
00:17:41,120 --> 00:17:41,840
Right.

525
00:17:41,840 --> 00:17:44,960
And the more we understand about these challenges,

526
00:17:44,960 --> 00:17:47,920
the better equipped will be to make those informed decisions,

527
00:17:47,920 --> 00:17:49,800
advocate for that positive change.

528
00:17:49,800 --> 00:17:50,920
Exactly.

529
00:17:50,920 --> 00:17:52,720
So before we move on, just a quick reminder

530
00:17:52,720 --> 00:17:56,520
to connect with meteorologist Rob Jones on social media.

531
00:17:56,520 --> 00:17:56,880
Yeah.

532
00:17:56,880 --> 00:17:58,440
He's an incredible source of information

533
00:17:58,440 --> 00:17:59,840
on all things weather-related.

534
00:17:59,840 --> 00:18:00,200
Yeah.

535
00:18:00,200 --> 00:18:03,760
You can find him on Instagram at atmediologist on TikTok

536
00:18:03,760 --> 00:18:06,200
at catTVmediologist.

537
00:18:06,200 --> 00:18:09,480
And on YouTube, just search at Rob Jones Hurricane.

538
00:18:09,480 --> 00:18:11,120
He has a fantastic YouTube channel

539
00:18:11,120 --> 00:18:13,120
with a playlist dedicated to meteorology matters.

540
00:18:13,120 --> 00:18:14,360
So be sure to check that out.

541
00:18:14,360 --> 00:18:15,160
He's great.

542
00:18:15,160 --> 00:18:17,480
Now, let's continue to look at how climate change is

543
00:18:17,480 --> 00:18:19,000
impacting us.

544
00:18:19,000 --> 00:18:22,280
Stick with us.

545
00:18:22,280 --> 00:18:25,320
Welcome back to meteorology matters.

546
00:18:25,320 --> 00:18:27,920
You know, we've spent this episode really

547
00:18:27,920 --> 00:18:31,160
kind of digging into how climate change is affecting

548
00:18:31,160 --> 00:18:34,320
property values and taxes.

549
00:18:34,320 --> 00:18:36,560
And especially in those vulnerable areas,

550
00:18:36,560 --> 00:18:39,280
you know, like Florida, it's a lot.

551
00:18:39,280 --> 00:18:41,520
But I think it's really important

552
00:18:41,520 --> 00:18:44,760
that we understand all of these connections.

553
00:18:44,760 --> 00:18:45,440
It really is.

554
00:18:45,440 --> 00:18:48,320
It goes beyond just the financial implications, too.

555
00:18:48,320 --> 00:18:50,760
There are some real ripple effects

556
00:18:50,760 --> 00:18:52,040
throughout entire communities.

557
00:18:52,040 --> 00:18:52,320
Right.

558
00:18:52,320 --> 00:18:53,320
And you think about it.

559
00:18:53,320 --> 00:18:56,160
I mean, if insurance becomes unaffordable or even

560
00:18:56,160 --> 00:18:59,080
unavailable in certain areas, it could displace people

561
00:18:59,080 --> 00:19:00,880
from their homes, their communities.

562
00:19:00,880 --> 00:19:02,320
I mean, that's a big deal.

563
00:19:02,320 --> 00:19:02,800
It is.

564
00:19:02,800 --> 00:19:04,160
And you know, that displacement, it

565
00:19:04,160 --> 00:19:07,760
disrupts those social networks, those local economies,

566
00:19:07,760 --> 00:19:09,800
cultural identities even.

567
00:19:09,800 --> 00:19:13,880
It's a really complex kind of web of interconnected issues

568
00:19:13,880 --> 00:19:15,840
stemming from these climate risks.

569
00:19:15,840 --> 00:19:18,280
It can feel, I don't know, just overwhelming.

570
00:19:18,280 --> 00:19:18,920
I know.

571
00:19:18,920 --> 00:19:22,440
Is there anything we can do, I mean, as individuals,

572
00:19:22,440 --> 00:19:25,240
is there any hope that we can kind of turn this tide?

573
00:19:25,240 --> 00:19:26,400
There's always hope.

574
00:19:26,400 --> 00:19:27,560
I truly believe that.

575
00:19:27,560 --> 00:19:29,200
I mean, the challenges are huge, yes,

576
00:19:29,200 --> 00:19:32,720
but there are things we can do to both mitigate those risks

577
00:19:32,720 --> 00:19:34,560
and build a more resilient future.

578
00:19:34,560 --> 00:19:37,360
And I think it starts with awareness.

579
00:19:37,360 --> 00:19:38,920
OK, so spreading the word.

580
00:19:38,920 --> 00:19:41,920
You know, having these conversations, educating ourselves.

581
00:19:41,920 --> 00:19:42,640
Yes.

582
00:19:42,640 --> 00:19:43,880
Is that a good first step?

583
00:19:43,880 --> 00:19:45,720
That's a really powerful first step.

584
00:19:45,720 --> 00:19:48,200
I think the more people who understand these links

585
00:19:48,200 --> 00:19:53,640
between climate change, property values, insurance, taxes,

586
00:19:53,640 --> 00:19:56,080
the more likely we are to see real action.

587
00:19:56,080 --> 00:19:58,200
From policymakers, from industry leaders,

588
00:19:58,200 --> 00:20:00,000
I mean, we have to make this a priority.

589
00:20:00,000 --> 00:20:02,120
OK, so what about personally?

590
00:20:02,120 --> 00:20:05,960
What can we do in our own lives to make a difference?

591
00:20:05,960 --> 00:20:08,960
Well, we can advocate for policies that actually

592
00:20:08,960 --> 00:20:10,400
promote climate resilience.

593
00:20:10,400 --> 00:20:12,880
So investing in renewable energy,

594
00:20:12,880 --> 00:20:15,400
strengthening those building codes,

595
00:20:15,400 --> 00:20:17,800
supporting programs that help communities adapt

596
00:20:17,800 --> 00:20:18,600
to climate change.

597
00:20:18,600 --> 00:20:21,000
Every single voice makes a difference.

598
00:20:21,000 --> 00:20:21,520
Right.

599
00:20:21,520 --> 00:20:25,720
And I guess as consumers, we can make choices, you know,

600
00:20:25,720 --> 00:20:27,960
that support sustainability.

601
00:20:27,960 --> 00:20:30,760
So reducing our own carbon footprint,

602
00:20:30,760 --> 00:20:33,720
supporting those businesses that are environmentally conscious,

603
00:20:33,720 --> 00:20:35,920
even just considering the climate risks when we're

604
00:20:35,920 --> 00:20:40,000
making decisions about where to live, where to work.

605
00:20:40,000 --> 00:20:42,040
All of those are really important steps

606
00:20:42,040 --> 00:20:43,640
that individuals can take.

607
00:20:43,640 --> 00:20:47,760
But ultimately, it really requires collective action.

608
00:20:47,760 --> 00:20:52,040
At all levels, local, state, national, and global.

609
00:20:52,040 --> 00:20:55,680
I mean, we have to address those root causes of climate change.

610
00:20:55,680 --> 00:20:58,440
And we have to adapt to the impacts that are already here.

611
00:20:58,440 --> 00:20:59,560
Yeah, it's a team effort.

612
00:20:59,560 --> 00:21:00,040
It is.

613
00:21:00,040 --> 00:21:01,080
We're all in this together.

614
00:21:01,080 --> 00:21:03,400
Well, this conversation has been really eye-opening for me.

615
00:21:03,400 --> 00:21:05,920
I feel like I have a much deeper understanding of how

616
00:21:05,920 --> 00:21:08,080
climate change is really impacting us, you know,

617
00:21:08,080 --> 00:21:11,040
not just the weather, but just our everyday lives

618
00:21:11,040 --> 00:21:12,360
and our financial well-being.

619
00:21:12,360 --> 00:21:13,560
Yeah, it's a big deal.

620
00:21:13,560 --> 00:21:14,720
And I'm glad you feel that way.

621
00:21:14,720 --> 00:21:17,280
It's really important to have these conversations.

622
00:21:17,280 --> 00:21:18,520
To educate ourselves.

623
00:21:18,520 --> 00:21:19,760
And to take action.

624
00:21:19,760 --> 00:21:21,720
We all have a part to play.

625
00:21:21,720 --> 00:21:22,960
We do.

626
00:21:22,960 --> 00:21:24,840
So that brings us to the end of our show today,

627
00:21:24,840 --> 00:21:26,040
Meteorology Matters.

628
00:21:26,040 --> 00:21:26,560
Yes.

629
00:21:26,560 --> 00:21:31,080
And our deep dive into climate risks and property taxes.

630
00:21:31,080 --> 00:21:33,640
It's a complicated issue.

631
00:21:33,640 --> 00:21:35,760
But we hope you've learned something today.

632
00:21:35,760 --> 00:21:36,320
We do.

633
00:21:36,320 --> 00:21:37,160
Knowledge is power.

634
00:21:37,160 --> 00:21:39,320
The more we understand these challenges,

635
00:21:39,320 --> 00:21:42,360
the better equipped we'll be to make those informed decisions

636
00:21:42,360 --> 00:21:44,520
and really advocate for that positive change.

637
00:21:44,520 --> 00:21:45,400
Exactly.

638
00:21:45,400 --> 00:21:46,640
And before we sign off, I just want

639
00:21:46,640 --> 00:21:49,200
to remind everyone to follow meteorologist Rob Jones

640
00:21:49,200 --> 00:21:50,400
on social media.

641
00:21:50,400 --> 00:21:52,720
He is a wealth of information on all things,

642
00:21:52,720 --> 00:21:56,320
whether you can find one Instagram at meteorologist,

643
00:21:56,320 --> 00:21:58,800
TikTok at TV meteorologist.

644
00:21:58,800 --> 00:22:01,760
And on YouTube, just search at Rob Jones Hurricane.

645
00:22:01,760 --> 00:22:04,000
He has a fantastic YouTube channel.

646
00:22:04,000 --> 00:22:07,000
You can find a playlist there dedicated to meteorology matters.

647
00:22:07,000 --> 00:22:08,400
So be sure to check it out.

648
00:22:08,400 --> 00:22:17,640
Thanks for listening.