A new nationwide analysis that pairs Zillow's housing data with Climate Central's climate-science isolates the number of new homes — and homes overall — in low-lying coastal areas, projecting how many will become exposed to chronic ocean flooding over the coming decades. It's conclusion: As many as 386,000 U.S. homes are likely to be at risk of regular flooding by 2050 because of sea-level rise from climate change, under a scenario of unchecked greenhouse gas emissions.

Adobe Stock
Adobe Stock

The findings are accessible via an interactive map displaying the flood-risk zones, a sea-level tool detailing the number and value of homes at risk by location, a research report on the threat to new housing and a brief on the dangers to housing stock overall.

Moderate emissions cuts could reduce the number of current homes in at-risk areas to 348,000 by 2050. Because the effects of climate change are projected by the analysis to worsen over time, the estimates for the year 2100 are far higher: 1.3 million current homes are anticipated to be at risk of regular flooding if emissions are cut moderately, and 2.5 million homes — worth $1.3 trillion — if emissions grow unchecked, the analysis states.

As sea levels rise, the intermittent floods that coastal communities now experience on average once a year are projected by the analysis to reach farther inland than they do today.

"This research suggests that the impact of climate change on the lives and pocketbooks of homeowners is closer than you think. For home buyers over the next few years, the impact of climate change will be felt within the span of their 30-year mortgage," said Skylar Olsen, Zillow's director of economic research and outreach. "Without intervention, hundreds of thousands of coastal homes will experience regular flooding and the damage will cost billions."

Coastal communities will encounter the effects of sea level rise to greatly varying degrees, depending on the local rate of rise, local tides and storms, the potential future development of coastal defenses, the flatness of the landscape and where homes are built within it. Some major coastal cities — including Los Angeles — sit high enough above sea level that the biggest hit — even as far out as 2100 — will be to their beaches.

Others will suffer more far-reaching and damaging effects. About 10% of homes in Galveston, Texas, and 7% in Ocean City, Maryland, are projected to be at risk of at least annual flooding by 2050, if the world makes moderate emissions cuts — numbers that rise to nearly half of the homes in each community by 2100. By the same year, Hoboken, N.J., and Miami Beach, Florida, could see three-quarters or more of their homes at risk of at least annual flooding, if emissions remain unchecked.

What's more, new homes are still being built at striking rates in areas that face high risks of future flooding. In New Jersey, for example, 7% of current homes are projected to be in flood-risk zones by 2100, under moderate emissions cuts. But because of ongoing development, 14% of the state's homes built from 2010 through 2017 are in the same high-risk areas.

"The combination of Zillow's data with Climate Central's coastal analysis has given us our most detailed picture yet of U.S. homes at risk from rising seas," said Dr. Benjamin Strauss, CEO and chief scientist of Climate Central. "And we have discovered that many communities are growing faster in areas facing chronic future floods than they are in higher areas. It's difficult to plan for higher seas if you are busy digging deeper holes."