Between 2019 and 2020, the value of mortgage lending (as reported in the Home Mortgage Disclosure Act dataset, or HMDA) to high-risk counties increased substantially from 2.0 trln to 3.1 trln US dollars. However, this increase can be fully explained by the pandemic-driven rise in property values. The proportion of mortgage lending to high-risk counties decreased marginally from 43.3% to 42.2%. This share Mortgage lending continues to be highly exposed to climate risks.
Below is the map showing the geographical distribution of natural hazard risks as quantified by the FEMA's
National Risk Index (NRI).