Wildfires leveling parts of Los Angeles. Hurricanes devastating Florida and the Carolinas. Floods around the Passaic River, Meadowlands and Jersey Shore.  Nearly half of all homes across the nation — worth almost $22 trillion — face at least one type of severe or extreme climate risk, ranging from flooding to wind, wildfire, heat and air quality, according to a report last year by Realtor.com.   Read the article…………………………….