Reporter Emmett Fitzgerald was used to hearing people call his home state of Vermont a “climate haven.” But last summer, he got a wake up call in the form of a devastating flood.

All throughout the United States, people are watching the places they love change in unpredictable and scary ways. Places that once felt safe are starting to feel risky. Places that already felt risky are starting to feel downright dangerous. And as the climate continues to change, people are being forced to make impossible decisions about how to live, and where to live, in an increasingly unstable and unfamiliar world.

This is a series about climate change and how we prepare for the extremely bumpy ride ahead of us. Because right now we’re all living in a world that was just Not Built for This.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

In disasters where a lot of people lose their homes, the impacts are not confined to a single city or town. They ripple outward, cascading into the surrounding area, as the survivors are forced to go looking for new places to live. This is the story of what happened after the famous fire in Paradise, California, and where many of the survivors ended up. It’s a cautionary tale about a town caught in the cross hairs of both the climate crisis and the housing crisis, and what happened when thousands of displaced people showed up on its doorstep.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

Insurance companies are not climate activists, but they know more about climate risk than just about anyone. And as storms get more extreme and unpredictable a lot of insurers are running the numbers on Florida and realizing that the math just isn’t working anymore. For decades, low cost insurance helped mask the risks of living in some of the riskiest parts of the country. However a climate correction is now underway. Prices are skyrocketing. And on America’s riskiest peninsula, residents are beginning to feel climate change where it hurts—in their bank accounts.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

All across the country thousands of people are living in locations that regularly flood, and many of these places will only get more flood-prone as the climate continues to change. Residents who live in these danger zones are often trapped in a demoralizing loop—flooding, rebuilding, and praying each time that the pattern doesn’t repeat. However in some neighborhoods the government is trying a different approach. They’re buying out flood-prone homes and helping residents relocate to higher ground. But what’s it like for residents to fight like hell for help, and the only help on offer means leaving the place they love?

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

Most of the stories in this series have been about places that are ill-prepared for the extreme weather that is coming their way. But this story is about a place that managed to get the kind of infrastructure that will actually help it survive climate change. How after more than two decades of tireless work, the residents of Hamilton City, California finally got the levee they deserved.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.

The impacts of climate disasters are often measured in terms of property damage. But in places like Phoenix, Arizona, and in hot places all over the world, climate change is wreaking a very different kind of havoc – on living things. In the final episode of Not Built for This, we reckon with the biological limits of climate adaptation.

Not Built For This is a 6-part mini-series from 99% Invisible, with new episodes on Tuesdays and Fridays in the 99% Invisible feed. Listen wherever you get your podcasts.