Recent analysis highlights that traditional underwriting assumptions about stable net operating income in coastal commercial real estate are increasingly untenable as natural hazards escalate. According to risk expert Albert Slap, severe weather events such as hurricanes and floods can severely disrupt property income for months, undermining debt coverage ratios and exposing lenders and investors to greater financial risk. Rising insurance costs and tightening coverage further erode financial protections, making hazard‑informed risk modeling an essential part of future CRE analysis.