Every year, millions of American renters and homebuyers make decisions about where to live. They have a lot of information to help them make a decision — about everything from schools to public transit to lead paint.

But what many never learn, until it’s too late, is that their homes are in areas that are increasingly prone to flooding or wildfires.

This episode contains elements from a special reporting project by NPR’s Rebecca Hersher and Lauren Sommer. You can read an overview of their reporting here. They also have advice for questions to ask about your property when it comes to wildfire and flood risk in a changing climate.

In participating regions, you’ll also hear a local news segment that will help you make sense of what’s going on in your community.

Listen to Embedded on Apple Podcasts or Spotify.

Email us at considerthis@npr.org.