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Based on Seiler, who can be AVP of the Mortgage Bankers Affiliation, the trade just isn’t yet pricing the future effects of local weather change — primarily because underwriters aren’t sure how (or if) it factors into the probability of a default. May an excessive weather occasion leave the borrower out of labor? What if the home is wrecked by a storm? In concept, with the correct insurance, repairs are covered. But what if an insurer drops a policyholder, as is already happening in some parts of the nation? “We don’t have a transparent image, as an trade, what local weather change will do to the chance of default,” says Seiler. “All I can say is underwriters have a dearth of data and it’s a work in progress.”

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