Modeling flood risk impact on real estate porfolios

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      <subfield code="a">This teaching case develops a simplified flood-adjusted property valuation (FAPV) model to quantify how flood risk affects US real estate portfolios and loan-to-value ratios. Using county-level SFHA exposure and scenario discounts (5%, 10%, 20%), the case shows how rising flood hazards-exacerbated by climate change-can inflate LTV and adjusted LTV and thus credit risk. It provides step-by-step methods, data sources, and classroom activities, and closes with discussion on mitigation strategies (risk disclosure, insurance, regulation, and property-level measures)</subfield>
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      <subfield code="g">20/10/2025 Volume 28 Number 3 - 2025 , p. 448 - 470</subfield>
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