How to prepare your home for climate change

How to prepare: Find local and federal financial incentives, like tax credits from the Inflation Reduction Act or this map that shows state-specific incentives.

• Research construction and materials that make your home more resilient. For example: A wind-resistant garage door can help prevent roof and wind damage from occurring if the door caves in.
• Investing in roofing and siding materials that can withstand hail, heat or heavy rains can also improve a home's structural integrity, says Steve Bowen, Chicago-based chief scientist at Gallagher Re, a reinsurance company.
• Adding sump pumps can reduce basement flooding risks.

The big picture: Undergoing these efforts not only helps your home's long-term resilience, but insurance companies also offer better rates, Bowen says.