Eighteen inches of water flooded Bill Cook’s house in Northwest Houston during Hurricane Harvey. He’s spent years pushing for stronger homeowner protections. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

Birds stay on the sidewalk as rain falls down and a trail at Buffalo Bayou remains submerged Oct. 25, 2015, in Houston. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

Shanika Tolliver was able to watch flood waters rise in her living room during Hurricane Harvey in 2017. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

Numerous fecreational vehicles are piled up on the banks of the Guadalupe River in Ingram, TX after being swept away in early morning flooding on July 4, 2025. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

Downed transmission power lines are shown near Grand Parkway and West Rd. after a storm Thursday, May 16, 2024, in Cypress. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

Search and rescue teams look for survivors in a former Dollar General after a tornado, Thursday, June 22, 2023, in Matador, Texas. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

The Crabapple wildfire had moved across Texas 16 North and was headed toward FM1631 in northeast Gillespie County. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

This image taken from Greenville Fire-Rescue's facebook page on Wednesday, Feb. 28, 2024 shows smoke from a fire in the Texas Panhandle. Insurers say $1.1 trillion in Texas real estate is at risk from extreme weather caused by climate change.

More than $1.1 trillion in Texas real estate is at risk from severe climate change-related disasters, a new Realtor.com report shows, as the Trump........

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