by Daniel Brouse Abstract As of late 2025 and early 2026, negative equity—homes worth less than the outstanding mortgage—has reached its highest level since early 2018. While national averages remain relatively modest, localized distress is accelerating in several rapidly expanded Sunbelt markets. The primary drivers are declining property values in high climate-risk regions, surging insurance costs, […]
Tag Archives: real estate
Climate Risk, Denial, and the Return of Negative Equity in U.S. Housing Markets
Posted in Business, Energy, Environment, Finance, Global Warming, Government, health and wellness, Politics, Science, Security, Society, taxes, weather
Also tagged climate change, economy
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America’s Water Crisis: Climate Change Is Reshaping Freshwater Security in the U.S.
by Daniel Brouse / December 5, 2025 Much of the United States is already experiencing severe, measurable impacts of climate change on freshwater availability. These changes are not abstract predictions — they are unfolding in real time, impacting drinking water supplies, agriculture, ecosystems, and energy production. From the rapidly drying West to the saltwater-intruded aquifers […]
Posted in Agriculture, Business, Energy, Environment, Global Warming, health and wellness, Science, weather
Also tagged climate change
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A Complex Example of Real Estate and Estate Planning
Complicated Real Estate Estate Example Q: Can you address the concerns if the deed is titled in a living trust? Great question — and yes, living trusts add another layer that’s important to understand. If your property is part of a HOA/POA and is titled in a living trust, the key issue is this:The trust […]
Earth at the Threshold: CO₂ Acceleration, Systemic Feedback Loops, and the Coming Era of Rapid Sea-Level Rise
by Daniel Brouse and Sidd MukherjeeNovember 17, 2025 CO₂ is only one component in a vast, interconnected climate system — but it remains the most significant driver of human-caused warming. While water vapor, clouds, aerosols, and ocean circulation all play essential roles, CO₂ is the primary forcing mechanism we directly control. And today, it is […]
Posted in Agriculture, Business, Education, Energy, Environment, Finance, freedom, Global Warming, International, liberty, Science, Security, Society, weather
Also tagged climate change, rising sea level
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Estate Planning & Real Estate Ownership: What Property Owners Should Know
by Daniel Brouse November 16, 2025 Many property owners don’t realize they already have a form of estate plan in place—simply through how their name is listed on the deed. Whether you own a home, a vacant lot, or an investment property, the structure of your ownership determines what happens to the property when you […]
Posted in Business, children, Finance, health and wellness, Law, taxes
Tagged real estate
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Michael Burry Pulls the Plug: “The Only Winning Move Is Not to Play”
by Daniel Brouse November 13, 2025 Michael Burry — the contrarian investor immortalized in The Big Short for predicting the 2008 housing collapse — appears to be stepping away from outside capital once again. In a recent move that has caught the attention of Wall Street and retail investors alike, Burry reportedly closed his fund […]
Trump’s 50-Year Mortgage Proposal: A “Game-Changer” or Another Financial Time Bomb?
President Donald Trump recently pushed the idea of introducing a 50-year mortgage — a proposal that immediately drew attention and controversy. Federal Housing Finance Agency (FHFA) director Bill Pulte, who oversees Fannie Mae and Freddie Mac, quickly responded on social media, claiming that they are “working on it,” and calling the idea “a complete game-changer.” […]
Climate Denial, Drought, and the Death of Capitalism: How Trump’s Anti-Science Policies Are Driving Economic Collapse
President Trump recently claimed that his administration is working to reduce record-high beef prices — a crisis he attributed to drought impacting U.S. cattle ranchers. Yet what he failed to acknowledge is that the drought itself is a direct consequence of the very climate crisis his administration continues to deny. The irony is stark: the […]
Posted in Agriculture, Business, Energy, Environment, Finance, freedom, Global Warming, Government, health and wellness, Law, liberty, Politics, Science, Security, Society, taxes, weather
Also tagged climate change, economy
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Neptune Flood IPO: Riding the Rising Tide of Climate Risk
by Daniel Brouse October 1, 2025 Neptune Flood, the largest private flood insurance company in the U.S., went public today, October 1, 2025, with its initial public offering (IPO) on the New York Stock Exchange under the ticker symbol “NP.” The St. Petersburg, Florida-based company raised $368 million by selling over 18 million shares at […]
Posted in Business, Finance, Global Warming, Science, Security
Also tagged climate change, economy, flood insurance, insurance
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Cape Coral’s Collapse: How Climate Risk and Insurance Costs Broke Florida’s Hottest Housing Market
by Daniel Brouse August 21, 2025 Cape Coral, Florida, has gone from one of the fastest-rising housing markets in the country to arguably the worst real estate market in the United States. During the early years of the pandemic, the city experienced a frenzy of demand. Median home prices skyrocketed nearly 75% in just three […]
Posted in Business, Environment, Finance, Global Warming, Science
Also tagged climate change, flood insurance, insurance
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