The financial strain of climate change is expected to disproportionately affect vulnerable communities, particularly in southern Florida and other high-risk areas. As disaster costs rise, towns may face bankruptcies, reduced property values, and diminished tax revenues, further limiting their ability to fund resilience efforts. States like Massachusetts and Vermont are already grappling with the challenge of rebuilding after severe floods without sufficient federal aid. The lack of a robust safety net leaves these areas more exposed to future climate-related disasters, potentially leading to long-term economic instability.