The impact of climate change on collateral & property insurability
The mortgage system depends on collateral that can be valued, insured, financed, and sold. Climate risk is putting pressure on that assumption. Flood, wildfire, storm, heat, infrastructure failure, and insurance availability are becoming more important to property values and mortgage risk.
This panel examines how growing climate risk is reshaping the way lenders assess mortgage collateral. Speakers will discuss how property-level climate data is influencing real estate appraisals, property insurance availability, and portfolio risk, and explore the implications for underwriting, stress testing, and future lending decisions.