The Super El Niño is expected to disproportionately affect homeowners in flood-prone, wildfire-exposed, and coastal areas, as well as those with older properties or aging infrastructure. Homes on slabs or without basements are particularly vulnerable to flooding and erosion. The increased frequency of severe weather events could lead to higher insurance premiums and reduced availability of coverage. Additionally, many homeowners may face financial strain due to high deductibles, especially in storm-prone regions. Experts emphasize the importance of understanding policy exclusions, such as the lack of flood damage coverage in standard home insurance policies, to avoid unexpected financial burdens.