How Americans Are Moving Into Disaster-Prone Areas Despite Rising Risks

As natural disasters become more frequent and severe due to climate change, more Americans are moving into areas prone to hurricanes, wildfires, and extreme heat. This population shift is driven by economic, social, and lifestyle factors, often at the expense of considering long-term disaster risks. Below, we dive into the reasons behind this trend, its consequences, and the regions most affected.

The Allure of Hazard Zones: Economic and Lifestyle Motivations

In recent decades, certain areas of the U.S. have seen tremendous population growth, particularly regions with well-known risks of natural disasters. According to a detailed analysis, the primary motivations behind these moves are job prospects, cost of living, and lifestyle preferences rather than disaster risk. 

“Higher up on the list is where friends and family live, where I can afford to move. Much lower down is what is the risk of hurricane or wildfire,” said Mahalia Clark, a graduate fellow at the University of Vermont. This suggests that, for many Americans, the risk of natural disasters takes a back seat to economic and social factors.

Florida: A Hurricane Magnet With Rapid Growth

Florida, which frequently experiences hurricanes, has seen a massive influx of new residents. Between 2000 and 2023, over 3 million people moved to the state, many settling in high-risk coastal areas. Popular destinations like the Carolina coast and Florida’s Gulf Coast are particularly appealing to retirees, despite the threat of hurricanes.

When Hurricane Ian hit the Cape Coral-Fort Myers area in 2022, it resulted in nearly 150 deaths and caused over $100 billion in damages. This was the third-costliest hurricane in U.S. history. The storm’s devastation was magnified by climate change and a surge in population and development along vulnerable coastlines.

East Texas: A Hotbed for Multiple Hazards

East Texas, including cities like Houston, Austin, and Dallas-Fort Worth, has become a magnet for people seeking affordable housing and job opportunities. However, these areas face significant natural hazards, including hurricanes, severe thunderstorms, and tornadoes. 

In 2017, Hurricane Harvey unleashed over four feet of rain on Houston, causing extensive flooding. Sprawling urban development, which paved over wetlands and built homes in flood zones, only worsened the disaster.

More recently, Hurricane Beryl knocked out power to millions of Houston residents during a heatwave, leaving many without air conditioning for weeks. Several deaths were attributed not directly to the hurricane but to the extreme heat that followed.

The Expanding Bull’s-Eye Effect: How Suburban Growth Increases Disaster Risk

In many parts of the U.S., suburban and exurban areas have seen the most significant population gains in recent decades. This outward expansion of cities has placed more people in harm’s way, increasing exposure to disasters. Scientists refer to this as the “expanding bull’s-eye effect,” where natural hazards, like wildfires, tornadoes, and hurricanes, have more targets to hit as urban sprawl spreads.

Texas, in particular, has seen this phenomenon. Suburban ring areas and exurbs around cities like Austin and Houston have been rapidly growing, putting more people at risk from heat waves, wildfires, and hurricanes.

Wildfire Risk in California’s Sierra Nevada

California’s Sierra Nevada foothills have seen a steady influx of people in search of more affordable housing. Yet, the region faces a growing wildfire risk due to climate change. Rising temperatures, droughts, and the historical oversuppression of natural fires have led to more frequent and intense wildfires.

According to a 2022 study by the University of Wisconsin, Madison, and the U.S. Forest Service, both the increasing number of large fires and rapid housing development in flammable areas have contributed to more destructive wildfires. In fact, by moving into fire-prone regions, people inadvertently increase the likelihood of fires igniting.

Efforts to reduce wildfire risk have included stricter building codes in fire-prone areas. However, many older homes remain vulnerable, and upgrading these properties can be costly.

Consequences of Rising Population and Development in High-Risk Areas

The rapid growth of population and development in disaster-prone areas has made disasters more damaging and costly. More people, homes, and businesses in the path of natural hazards have increased the scale of disasters and strained infrastructure.

The increasing frequency of natural disasters has also led to soaring insurance costs in high-risk areas. In states like Florida, California, and Texas, several insurers have stopped offering home insurance policies or have significantly raised premiums.

In California, particularly in high-risk fire zones, the insurance crisis has become a wake-up call for many residents. When homeowners can no longer get a mortgage due to a lack of insurance, disaster risk moves higher up their list of concerns.

A Growing Infrastructure Problem

Rapid urban growth in disaster-prone areas is also straining infrastructure. As the population grows, so does the demand for housing, schools, transportation, and energy. In Houston, for example, Hurricane Beryl exposed the weaknesses in the city’s power grid, as the utility company struggled to accommodate population growth while dealing with frequent extreme weather events.

Michael Webber, a professor of mechanical engineering at the University of Texas at Austin, noted that the city’s power system is under significant stress from increasing temperatures and industrial activity. “It’s hard to expand and improve the system at the same time,” he said.

The Race Against Disaster

While steps are being taken to mitigate disaster risk — through improved building codes, early warning systems, and other measures — these efforts are struggling to keep up with the rapid population growth in disaster-prone areas. As more Americans move into regions with higher risks of natural hazards, the probability of larger and more destructive disasters continues to rise.

The race is on to find better ways to manage this shift and protect people from the ever-increasing threats posed by climate change and natural disasters.