Reporter Emmett Fitzgerald was used to hearing people call his home state of Vermont a “climate haven.” But last summer, he got a wake up call in the form of a devastating flood.

All throughout the United States, people are watching the places they love change in unpredictable and scary ways. Places that once felt safe are starting to feel risky. Places that already felt risky are starting to feel downright dangerous. And as the climate continues to change, people are being forced to make impossible decisions about how to live, and where to live, in an increasingly unstable and unfamiliar world.

This is a series about climate change and how we prepare for the extremely bumpy ride ahead of us. Because right now we’re all living in a world that was just Not Built for This.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

In disasters where a lot of people lose their homes, the impacts are not confined to a single city or town. They ripple outward, cascading into the surrounding area, as the survivors are forced to go looking for new places to live. This is the story of what happened after the famous fire in Paradise, California, and where many of the survivors ended up. It’s a cautionary tale about a town caught in the cross hairs of both the climate crisis and the housing crisis, and what happened when thousands of displaced people showed up on its doorstep.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

Insurance companies are not climate activists, but they know more about climate risk than just about anyone. And as storms get more extreme and unpredictable a lot of insurers are running the numbers on Florida and realizing that the math just isn’t working anymore. For decades, low cost insurance helped mask the risks of living in some of the riskiest parts of the country. However a climate correction is now underway. Prices are skyrocketing. And on America’s riskiest peninsula, residents are beginning to feel climate change where it hurts—in their bank accounts.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.