I can see mortgage lenders moving towards a high-resistance model, e.g. only financing homes with tile-only roofs and defensive sprinkler systems in wildfire-ri

I can see mortgage lenders moving towards a high-resistance model, e.g. only financing homes with tile-only roofs and defensive sprinkler systems in wildfire-risk zones, elevated foundations (or how about tethered houseboats?) in flood-risk zones, etc. The issue is that if adaptation and resistance strategies end up being required due to climate-related risks, climate denialism ends and there'll be a lot more pressure to replace fossil fuels with renewables.