The report underscores the risks associated with heavy rainfall, including flooding, landslides, and infrastructure damage. Cities in the Southern U.S., which experience strong storms, are particularly vulnerable to these hazards. As climate change intensifies precipitation patterns, homeowners in flood-prone areas may face higher insurance costs and challenges in securing coverage. The findings also emphasise the importance of understanding local climate risks when relocating, as extreme weather events are becoming more frequent and unpredictable.