Homes With Low Natural Disaster Risk Are Rising in Value Faster Than Homes With High Risk for the First Time in Over a Decade
Homes With Low Natural Disaster Risk Are Rising in Value Faster Than Homes With High Risk for the First Time in Over a Decade
While these differences are small, they are notable because this year marked the first time since 2010 that low-risk homes across all three categories—heat, flood and fire—rose in value faster than high-risk homes.Homes With Low Natural Disaster Risk Are Rising in Value Faster Than Homes With High Risk for the First Time in Over a Decade
低自然災害風險的房屋價值增漲速度首次超過高風險房屋，距今已有超過十年。
Redfin reports that this year marked the first time since 2010 that low-risk homes across three major climate categories—heat, fire and flood—gained value faster than high-risk homes. That may be a sign Americans are growing more responsive to natural disasters.
Redfin報告稱，今年是自2010年以來，三個主要氣候類別——熱、火和洪水——中的低風險住宅價值增長速度快於高風險住宅的第一次。這可能表明美國人對自然災害的反應越來越積極。
SEATTLE--(BUSINESS WIRE)--(NASDAQ: RDFN) — For the first time since 2010, homes facing low risk from natural disasters are rising in value faster than homes facing high risk, according to a new report from Redfin (redfin.com), the technology-powered real estate brokerage.
西雅圖-（業務線）-（納斯達克: redfin）—自2010年以來，面臨低自然災害風險的房屋價值增長速度首次超過面臨高風險的房屋，這是根據redfin（redfin.com）發佈的一份新報告，redfin是一家科技驅動的房地產券商。
- The total value of U.S. homes facing low risk of extreme heat is up 7% year over year to $17.7 trillion. The total value of homes facing high risk of extreme heat is up 6.3% to $29.7 trillion.
- The total value of homes facing low flood risk is up 6.7% year over year to $40.2 trillion. The total value of homes facing high flood risk is up 6% to $7.2 trillion.
- The total value of homes facing low fire risk is up 6.6% year over year to $39 trillion. The total value of homes facing high fire risk is up 6.4% to $8.4 trillion.
- 面臨極端高溫低風險的美國住宅總價值同比上漲7%，達到17.7萬億美金。面臨極端高溫高風險的住宅總價值上漲6.3%，達到29.7萬億美金。
- 面臨低洪水風險的住宅總價值同比上漲6.7%，達到40.2萬億美金。面臨高洪水風險的住宅總價值上漲6%，達到7.2萬億美金。
- 面臨低火災風險的住宅總價值同比上漲6.6%，達到39萬億美金。面臨高火災風險的住宅總價值上漲6.4%，達到8.4萬億美金。
While these differences are small, they are notable because this year marked the first time since 2010 that low-risk homes across all three categories—heat, flood and fire—rose in value faster than high-risk homes.
儘管這些差異很小，但值得注意的是，今年是自2010年以來，所有三個類別——熱、洪水和火災——中低風險住宅的價值首次超過高風險住宅。
Low-risk homes across all three risk categories have been gaining value faster than high-risk homes since February 2024. This is the first time Redfin is reporting the trend.
自2024年2月以來，所有三個風險類別的低風險住宅價值增長速度已超過高風險住宅。這是redfin首次報告這一趨勢。
"The fact that this is happening across risk types—and thus, across the country—is some of the best evidence we have that climate change is impacting people's homebuying decisions," said Redfin Senior Economist Elijah de la Campa. "With climate catastrophes becoming increasingly frequent and calamitous, many people have decided they don't want to live in risky areas. And with insurance costs skyrocketing, many risky areas that were once affordable have become prohibitively expensive. The reality of climate change is setting in and it's causing a reckoning; people are putting disaster risk higher on their list of considerations when looking for a home."
「這一現象發生在各種風險類型中——因此，發生在全國範圍內——是我們已有的最佳證據之一，證明氣候變化正在影響人們的購房決策，」 redfin高級經濟學家Elijah de la Campa說。「隨着氣候災難變得日益頻繁和嚴重，許多人決定他們不想生活在高風險地區。隨着保險費用飆升，許多曾經負擔得起的高風險區域已經變得昂貴得令人難以承受。氣候變化的現實正在顯現，並正在引發反思；人們在尋找房屋時將災難風險放在了更高的位置。」
Recent shifts in where Americans are choosing to live also indicate that people may be growing more responsive to climate risk. In California, high-fire-risk areas saw more people leave than move in last year—a reversal from the prior year. Additionally, a Redfin-commissioned survey conducted by Ipsos in October found that nearly one-third of young adults say Hurricane Helene made them reconsider where they want to live in the future.
美國人選擇居住地點的近期變化也表明，人們可能對氣候風險的反應正在增強。在加利福尼亞州，高火災風險地區去年的搬出人數超過了搬入人數，這與前一年形成了反轉。此外，redfin委託Ipsos在十月進行的調查發現，近三分之一的年輕成年人表示熱帶風暴海倫讓他們重新考慮未來想要居住的地點。
One reason the value of low-risk homes is rising faster than the value of high-risk homes is that Florida and Texas—which both face high natural disaster risk—have seen among the slowest home value growth in the nation over the last year. In some areas, including hurricane-prone parts of Florida, that's likely due to natural disaster risk itself. But it's also because the rising cost of other things, like insurance and property taxes, has hurt demand. Additionally, Florida and Texas are building more homes than anywhere else in the country, putting a lid on value growth.
低風險房屋價值上升速度快於高風險房屋的一個原因是佛羅里達州和德克薩斯州——這兩個州面臨高自然災害風險——在過去一年中，房屋價值增長在全國範圍內處於最低水平。在一些地區，包括佛羅里達州的颶風頻繁地區，這可能與自然災害風險本身有關。但這也因爲其他費用的上漲，比如保險和財產稅，抑制了需求。此外，佛羅里達州和德克薩斯州的房屋建設速度在全國範圍內名列前茅，限制了價值增長。
While climate risk has become a top consideration for some house hunters, that's certainly not the case for everyone. There are still more people moving into than out of disaster-prone America as a whole, which is one reason home values in disaster-prone areas continue to climb.
儘管氣候風險已成爲一些購房者的首要考慮因素，但並非所有人都是如此。總體而言，搬入災難風險區域的人數仍然多於搬出的人，這也是導致災難風險區域房屋價值持續上漲的原因之一。
Home Values in High-Risk Areas Are Still Up More Than 60% Since Before the Pandemic
高風險區域的房屋價值自疫情前以來仍上漲超過60%.
The value of both high- and low-risk homes is up substantially from before the pandemic—largely due to the 2020-2021 homebuying frenzy—but it's up most for high-risk homes:
高風險和低風險房屋的價值相比疫情前大幅上升，這主要是由於2020-2021年的購房熱潮，但高風險房屋的增幅最大：
- The total value of homes facing high risk of extreme heat is up 62.5% from before the pandemic. The total value of homes facing low risk of extreme heat is up 53.2%.
- The total value of homes facing high flood risk is up 60.3% from before the pandemic. The total value of homes facing low risk is up 58.7%.
- The total value of homes facing high fire risk is up 67.8% from before the pandemic. The total value of homes facing low fire risk is up 57.2%.
- 面臨極端高溫的高風險房屋的總價值比疫情前上漲了62.5%。面臨低風險的房屋總價值上漲了53.2%。
- 面臨洪水高風險的房屋總價值比疫情前上漲了60.3%。面臨低風險的房屋總價值上漲了58.7%。
- 面臨火災高風險的房屋總價值比疫情前上漲了67.8%。面臨低火災風險的房屋總價值上漲了57.2%。
The value of the U.S. housing market skyrocketed during the pandemic as fierce homebuying demand—driven by record-low mortgage rates—caused buyers to bid up values. Some of the fiercest competition occurred in the Sun Belt, as the region's relatively affordable housing attracted hordes of homebuyers from more expensive states. But the Sun Belt is home to many places prone to flooding, extreme heat and/or fires, including Florida, Arizona and Texas.
美國住房市場在疫情期間猛增，因爲購房需求激烈——記錄低的抵押貸款利率驅動了買家的買盤，推高了房屋價值。一些最爲激烈的競爭發生在陽光地帶，因爲該地域板塊的相對可負擔住房吸引了大量來自更貴州份的購房者。但陽光地帶也有許多地方容易遭受洪水、極端高溫和/或火災，包括佛羅里達州、亞利桑那州和德克薩斯州。
Home values in disaster-prone areas continue to rise in part because there's still demand for homes in these areas. Some people relocate to disaster-prone areas because many of those areas are relatively affordable.
災害多發地區的房價繼續上漲，部分原因是這些地區的住房需求仍然存在。一些人遷移到災害多發地區，因爲這些地區相對較爲負擔得起。
Home values in both risky and non-risky areas also continue to rise because the mortgage rate lock-in effect has exacerbated America's shortage of homes for sale, putting upward pressure on values.
風險和非風險地區的房價也繼續上漲，因爲抵押貸款利率鎖定效應加劇了美國的住房銷售短缺，導致房價上升壓力。
This is based on a Redfin analysis of climate-risk scores from First Street and Redfin Estimates for roughly 93 million U.S. residential properties as of June 2024. Year-ago values represent June 2023, and pre-pandemic values represent June 2019. This data is subject to revision. Roughly 58 million U.S. homes face high heat risk, while roughly 15 million face high fire risk and roughly 13 million face high flood risk. Please note that some homes face more than one type of risk.
這基於Redfin對First Street的氣候風險評分和截至2024年6月約9300萬美國住宅物業的Redfin估算的分析。去年的數據代表2023年6月，而疫情前的數據代表2019年6月。這些數據可能會被修訂。大約5800萬美國住房面臨高熱風險，而大約1500萬面臨高火災風險，約1300萬面臨高洪水風險。請注意，一些房屋面臨多種風險。
To view the full report, including charts and more details on methodology, please visit:
要查看完整報告，包括圖表和更多方法論細節，請訪問：
About Redfin
關於redfin
Redfin () is a technology-powered real estate company. We help people find a place to live with brokerage, rentals, lending, and title insurance services. We run the country's #1 real estate brokerage site. Our customers can save thousands in fees while working with a top agent. Our home-buying customers see homes first with on-demand tours, and our lending and title services help them close quickly. Our rentals business empowers millions nationwide to find apartments and houses for rent. Since launching in 2006, we've saved customers more than $1.6 billion in commissions. We serve approximately 100 markets across the U.S. and Canada and employ over 4,000 people.
redfin () 是一家科技驅動的房地產公司。我們通過券商、租賃、貸款和產權保險服務幫助人們找到居所。我們運行着全國第一大房地產券商網站。我們的客戶在與頂級代理合作期間可以節省數千美元的費用。我們的購房客戶通過按需參觀首先看到房屋，而我們的貸款和產權服務幫助他們快速成交。我們的租賃業務使全國數百萬人找到出租公寓和房屋。自2006年推出以來，我們已經爲客戶節省了超過16億美元的佣金。我們在美國和加拿大大約100個市場提供服務，擁有超過4,000名員工。
Redfin's subsidiaries and affiliated brands include: Bay Equity Home Loans, Rent., Apartment Guide, Title Forward and WalkScore.
Redfin的子公司和關聯品牌包括：Bay Equity Home Loans，Rent.，Apartment Guide，Title Forward和WalkScore。
For more information or to contact a local Redfin real estate agent, visit . To learn about housing market trends and download data, visit the Redfin Data Center. To be added to Redfin's press release distribution list, email press@redfin.com. To view Redfin's press center, click here.
有關更多信息或聯繫當地Redfin地產代理的信息，請訪問。有關住房市場趨勢和數據下載的信息，請訪問Redfin數據中心。要加入Redfin的新聞發佈列表，請發送電子郵件至press@redfin.com。要查看Redfin的新聞中心，請單擊此處。
View source version on businesswire.com:
在businesswire.com上查看源版本：
Contact Redfin
Redfin Journalist Services:
Isabelle Novak
press@redfin.com
聯繫redfin
紅芬記者服務：
Isabelle Novak
press@redfin.com
Source: Redfin
來源：redfin
Released November 20, 2024
2024年11月20日發佈
譯文內容由第三人軟體翻譯。
