Climate change can be scary! As I'm writing this there are wildfires raging in my state; and we're still recovering from Hurricane Helene, with a number of homes in my area now abandoned due to fallen trees. But don't be scared, be prepared! I hope this guide can be of use for you in the coming years as we see more "100 year" events.
Everyone has different risks according to the area they live in. Research your area (state, country, city, etc) and figure out your biggest risks. In the age of climate weirding, anything could happen, but prepare for what is most likely. If you're American, this my be a good resource for you!
But let's use an example: Using this National drought status monitor from NOAA & NIDIS I can see I'm currently under a D0 drought status- not too bad! Droughts are a natural part of my area's climate, and our October was wetter than average. But in researching my state's climatology report (mine was released by the department of natural resources), we are trending higher with temperatures (more days reaching 95F or higher), and our drought/excessive rainfall swings are getting worse with less rain in the summer, more in the fall. We are also seeing an increase in extreme weather events, such as tornados, hurricanes, and wildfires. Due to sea level rise, we are also seeing a rise in coastal flooding events; though I don't live there now, I have friends who do so I want to keep them in mind as well!
Think about your budget or alternatively, what is most likely to happen. Remember, small steps are okay!
Small fixes like blackout curtains or removing landscaping against your house can help with extreme heat and wildfires, respectively. One minor change i'm making is adding small shade trees around my house to keep the sun from blasting it all day. If you start small and think before jumping into major fixes this can help your budget in the long run.
In these circumstances it would be best to look into local tenants unions (or starting your own!) and figuring out your tenants right. They vary from region to region so looking up ones specific to you would be the best bet. Some places have government incentives in place for making your residence more climate resilient, so you could try mentioning this to your slumlord landlord.
There's only so much we can do when it comes to preparation- it's also good to figure out what we might need to do in case of evacuation. If you're on the east coast,