{"id":10902,"date":"2024-05-08T17:50:48","date_gmt":"2024-05-08T17:50:48","guid":{"rendered":"https:\/\/topat10.com\/?p=10902"},"modified":"2024-05-08T17:50:48","modified_gmt":"2024-05-08T17:50:48","slug":"fannie-mae-ceo-beyonce-is-right-climate-change-has-already-hit-the-housing-market-and-homeowners-arent-prepared","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10902","title":{"rendered":"Fannie Mae CEO: Beyonc\u00e9 is right. Climate change has already hit the housing market\u2014and homeowners aren\u2019t prepared"},"content":{"rendered":"\n

Two names you\u2019d never expect to hear together: Beyonc\u00e9 and Fannie Mae<\/a>. But in her song \u201cYA YA\u201d on her new album, \u201cCowboy Carter,\u201d she sounds an alarm that\u2019s growing louder in communities across America. \u201cWildfire burnt his house down\/Insurance ain\u2019t gonna pay no Fannie Mae.\u201d<\/p>\n

\n

We appreciate that Beyonc\u00e9 raised this issue. For the record, Fannie Mae would help this man. While we don\u2019t make home loans or collect payments (we buy and back mortgages), we do offer payment relief and other help if disaster strikes our homeowners.<\/p>\n

However, Beyonc\u00e9 has a point: An estimated one in 13 U.S. households are uninsured<\/a> and two-thirds are underinsured<\/a>. This means that millions of families have limited or no protection against growing climate-related risks, such as wildfires and other disasters.<\/p>\n

For housing, climate change is a today problem. Each year since 2021, the U.S. has averaged 22 natural disasters with damage exceeding\u00a0$1\u00a0billion<\/a>. Last year brought 28. In the 1980s, the average was three per year. Forecasters already project this year\u2019s Atlantic hurricane season<\/a> will be \u201cextremely active,\u201d with the most storms since 1995.<\/p>\n

Disasters are touching every state, including inland flooding in areas such as Vermont and Las Vegas, which are not generally considered at high risk. Low-income communities are the most vulnerable, with housing that is often less resilient and located in more disaster-prone areas. Longer-term, rising temperatures, increased flooding, water scarcity, and more wildfires could drive down property values for homeowners, and even spark climate migration as people escape high-risk areas.\u00a0<\/p>\n

Since Fannie Mae guarantees about one in four home mortgages plus loans on rental housing, we\u2019re closely assessing the financial risks to both our company and the mortgage industry, such as potential impacts on mortgage delinquencies, property values, and the affordability, availability, and reliability of insurance.<\/p>\n

But climate change is a growing risk that demands a collective response, starting with three urgent priorities.<\/p>\n

Boost consumer awareness and action<\/h2>\n

Homeowners are housing\u2019s first line of defense, but do they realize it?<\/p>\n

A Fannie Mae survey<\/a> found nearly 50% of consumers worried about the climate impact on their homes, especially from extreme heat, strong winds from tornadoes and hurricanes, drought, wildfires, and flooding. And 66% of insured homeowners said weather-related events and damage have affected their premiums.<\/p>\n

Another Fannie Mae survey<\/a> found only 37%\u00a0of those living in FEMA high-risk flood zones\u00a0and 5% in mid-risk zones were aware of their flood risk. Yet 51%\u00a0said that a home\u2019s flood history\u00a0is critical to their purchasing decision. Together these numbers underscore how important it is for the industry to make this information more widely available to potential buyers.<\/p>\n

Similarly, Fannie Mae engages in a year-round outreach effort to provide homeowners and renters in disaster-prone areas with information on\u00a0how to protect against natural disasters<\/a>\u00a0and work with FEMA, other agencies, and mortgage lenders to\u00a0recover faster<\/a>. We, along with others, are testing messages for spreading this type of information that could be leveraged in a nationwide housing climate awareness and preparedness effort.<\/p>\n

Make housing more climate-resilient<\/strong><\/h2>\n

Less than a third of building codes factor in the frequency and severity of today\u2019s natural hazards. It\u2019s folly to rebuild homes destroyed by disasters the same way.<\/p>\n

Lenders can offer our affordable financing for homeowners to protect their homes with storm surge barriers, upgraded roofing, or wildfire home hardening. But we need bigger, bolder housing resiliency solutions that include incentives for builders, insurers, buyers, and owners to act now. It won\u2019t be easy. Solutions need to be localized to reflect the actual risks facing particular communities. They also entail difficult trade-offs and costs.<\/p>\n

Heed the early warnings on insurance<\/h2>\n

Home insurance is a major concern. Inflation and state-specific issues\u00a0are big drivers affecting price and availability so far. But climate risk is a growing factor as severe weather continues to increase. Improving consumer awareness of their insurance needs and making homes more resilient will help sustain our insurance markets. But they may not be enough, and the insurance and housing industries need to think creatively about new approaches and hard choices.<\/p>\n

Climate risk to housing is complex with no easy win-win answers. But it\u2019s clear as an industry we need to step up by driving awareness, boosting resiliency, and being proactive on insurance. This is not alarmism\u2014it\u2019s our responsibility. As a housing leader, I\u2019m committed to working across industries for common-sense answers. For her help in highlighting the issue, let\u2019s thank Beyonc\u00e9.<\/p>\n

Priscilla Almodovar is the CEO of Fannie Mae.<\/em><\/p>\n

More must-read\u00a0commentary\u00a0published by\u00a0Fortune<\/em>:<\/h2>\n

The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of\u00a0<\/em>Fortune.<\/em><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

Two names you\u2019d never expect to hear together: Beyonc\u00e9 and Fannie Mae. But in her song \u201cYA YA\u201d on her new album, \u201cCowboy Carter,\u201d she sounds an alarm that\u2019s growing louder in communities across America. \u201cWildfire burnt his house down\/Insurance ain\u2019t gonna pay no Fannie Mae.\u201d We appreciate that Beyonc\u00e9 raised this issue. For the […]<\/p>\n","protected":false},"author":418,"featured_media":10903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[123],"tags":[],"class_list":["post-10902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"\nFannie Mae CEO: Beyonc\u00e9 is right. 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Almodovar","author_link":"https:\/\/topat10.com\/?author=418"},"uagb_comment_info":0,"uagb_excerpt":"Two names you\u2019d never expect to hear together: Beyonc\u00e9 and Fannie Mae. But in her song \u201cYA YA\u201d on her new album, \u201cCowboy Carter,\u201d she sounds an alarm that\u2019s growing louder in communities across America. \u201cWildfire burnt his house down\/Insurance ain\u2019t gonna pay no Fannie Mae.\u201d We appreciate that Beyonc\u00e9 raised this issue. For the…","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10902","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/users\/418"}],"replies":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10902"}],"version-history":[{"count":0,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/posts\/10902\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=\/wp\/v2\/media\/10903"}],"wp:attachment":[{"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10902"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10902"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topat10.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10902"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}