The intensification of extreme weather poses significant risks to homeowners, including property damage, increased insurance costs, and potential displacement. Flooding, high winds, and wildfires are among the most pressing threats. For instance, mountainous areas are vulnerable to heavy rainfall, while regions like the Southeast face heightened wildfire risks. Homeowners in flood-prone areas may need to invest in structural modifications, while those in wildfire zones should prioritize vegetation management and ember-resistant materials. The financial burden of these measures can vary, but the long-term benefits include reduced damage and lower energy costs.