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The report finds that continuing current housing development patterns in Canada could lead to hundreds of thousands of new homes being built in high-hazard flood and wildfire zones by 2030. This trajectory could increase annual flood losses by up to $2 billion and wildfire losses by $1.1 billion. The analysis highlights significant gaps in provincial and territorial land use policies, which often delegate risk management to under-resourced municipalities. It also identifies moral hazards in disaster assistance programs and a critical lack of up-to-date hazard mapping and real estate disclosure. The report recommends that governments implement nationally consistent risk standards, reform disaster aid to deter risky development, and mandate hazard disclosure in real estate transactions to ensure housing affordability is not undermined by climate-driven destruction.