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Climate Central's analysis indicates that five historic sites in St. Augustine, Florida—Castillo de San Marcos, Fort Matanzas, Fort Mose, the Lightner Museum, and the Lincolnville District—are all projected to face chronic flood risk by the end of the century. Using the RCP 8.5 emissions scenario, the report finds that several sites already face substantial threats, with some experiencing frequent or chronic risk currently.

The report presents a series of expert testimonies and external research findings regarding the economic vulnerability of U.S. coastal properties to sea level rise. Experts from insurance, credit rating, and real estate sectors highlight a disconnect between long-term climate risks and short-term investment horizons. Key concerns include the potential for a collapse in property values, the failure of the National Flood Insurance Program (NFIP) to provide accurate risk signals due to subsidies, and the likelihood of credit downgrades for coastal municipalities. The document identifies critical tipping points, such as the loss of 30-year mortgages and the transition to risk-based insurance pricing, which could trigger a disorderly retreat from vulnerable areas.

The document highlights how human-induced climate change is damaging U.S. cultural heritage, including prehistoric shell mounds in Florida, the historic districts of St. Augustine, and multiple NASA research and launch facilities. It emphasizes that sea-level rise and extreme weather are already causing structural damage and operational disruptions, calling for urgent national resources for adaptation and mitigation.