Buffalo's cooler climate offers relief from extreme heat, attracting homeowners seeking refuge from rising temperatures. However, experts warn that Buffalo may eventually experience 100°F (37.8°C) temperatures as global warming progresses. Additionally, the city faces risks from heavy rainfall and wildfire smoke, which could strain infrastructure and air quality. While Buffalo's insurance premiums are lower than those in high-risk areas like Miami and Los Angeles, the city is not entirely immune to climate-related challenges. Homeowners should consider resilience measures to mitigate risks, regardless of location.