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The housing crisis is forcing Americans to choose between affordability and safety

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The housing crisis is forcing Americans to choose between affordability and safety

Ivis García, Texas A&M University

Picture this: You’re looking to buy a place to live, and you have two options.

Option A is a beautiful home in California near good schools and job opportunities. But it goes for nearly a million dollars – the median California home sells for US$906,500 – and you’d be paying a mortgage that’s risen 82% since January 2020.

Option B is a similar home in Texas, where the median home costs less than half as much: just $353,700. The catch? Option B sits in an area with significant hurricane and flood risk.

As a professor of urban planning, I know this isn’t just a hypothetical scenario. It’s the impossible choice millions of Americans face every day as the U.S. housing crisis collides with climate change. And we’re not handling it well.

The numbers tell the story

The migration patterns are stark. Take California, which lost 239,575 residents in 2024 – the largest out-migration of any state. High housing costs are a primary driver: The median home price in California is more than double the national median.

Where are these displaced residents going? Many are heading to southern and western states like Florida and Texas. Texas, which is the top destination for former California residents, saw a net gain of 85,267 people in 2024, much of it from domestic migration. These newcomers are drawn primarily by more affordable housing markets.

Housing costs are the main driver of the California exodus, the Los Angeles Times notes.

This isn’t simply people chasing lower taxes. It’s a housing affordability crisis in motion. The annual household income needed to qualify for a mortgage on a mid-tier California home was about $237,000 in June 2025, a recent analysis found – over twice the state’s median household income.

Over 21 million renter households nationwide spent more than 30% of their income on housing costs in 2023, according to the U.S. Census Bureau. For them and others struggling to get by, the financial math is simple, even if the risk calculation isn’t.

I find this troubling. In essence, the U.S. is creating a system where your income determines your exposure to climate disasters. When housing becomes unaffordable in safer areas, the only available and affordable property is often in riskier locations – low-lying areas at flood risk in Houston and coastal Texas, or higher-wildfire-risk areas as California cities expand into fire-prone foothills and canyons.

Climate risk becomes part of the equation

The destinations drawing newcomers aren’t exactly safe havens. Research shows that America’s high-fire-risk counties saw 63,365 more people move in than out in 2023, much of that flowing to Texas. Meanwhile, my own research and other studies of post-disaster recovery have shown how the most vulnerable communities – low-income residents, people of color, renters – face the greatest barriers to rebuilding after disasters strike.

Consider the insurance crisis brewing in these destination states. Dozens of insurers in Florida, Louisiana, Texas and beyond have collapsed in recent years, unable to sustain the mounting claims from increasingly frequent and severe disasters like wildfires and hurricanes. Economists Benjamin Keys and Philip Mulder, who study climate change impacts on real estate, describe the insurance markets in some high-risk areas as “broken”. Between 2018 and 2023, insurers canceled nearly 2 million homeowner policies nationwide – four times the historically typical rate.

Yet people keep moving into risky areas. For example, recent research shows that people have been moving toward areas most at risk of wildfires, even holding wealth and other factors constant. The wild beauty of fire-prone areas may be part of the attraction, but so is housing availability and cost.

The policy failures behind the false choice

In my view, this isn’t really about individual choice – it’s about policy failure. The state of California aims to build 2.5 million new homes by 2030, which would require adding more than 350,000 units annually. Yet in 2024, the state only added about 100,000 – falling dramatically short of what’s needed. When local governments restrict housing development through exclusionary zoning, they’re effectively pricing out working families and pushing them toward risk.

My research on disaster recovery has consistently shown how housing policies intersect with climate vulnerability. Communities with limited housing options before disasters become even more constrained afterward. People can’t “choose” resilience if resilient places won’t let them build affordable housing.

The federal government started recognizing this connection – to an extent. For example, in 2023, the Federal Emergency Management Agency encouraged communities to consider “social vulnerability” in disaster planning, in addition to things like geographic risk. Social vulnerability refers to socioeconomic factors like poverty, lack of transportation or language barriers that make it harder for communities to deal with disasters.

However, the agency more recently stepped back from that move – just as the 2025 hurricane season began.

In my view, when a society forces people to choose between paying for housing and staying safe, that society has failed. Housing should be a right, not a risk calculation.

But until decision-makers address the underlying policies that create housing scarcity in safe areas and fail to protect people in vulnerable ones, climate change will continue to reshape who gets to live where – and who gets left behind when the next disaster strikes.The Conversation

Ivis García, Associate Professor of Landscape Architecture and Urban Planning, Texas A&M University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Why Greenland matters in a multipolar world

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Four ways to understand what’s going on with the US, Denmark and Greenland

Shutterstock/Michal Balada

Ian Manners, Lund University

European countries, and Denmark in particular, are scrambling to respond to threats from US officials over the future of Greenland.

Having successfully taken out the leadership of Venezuela in a raid on January 3, an emboldened US government is talking about simply taking Greenland for itself.

Various European leaders have expressed their concern but haven’t been able to formulate a coherent response to the betrayal by a supposed ally.

Since the September 11 attacks in 2001, Danish governments have willingly participated in US-led invasions of Afghanistan (2001-2021) and Iraq (2003-2007). The rightward movement across the Danish political spectrum had led to Denmark rejecting some Nordic and EU cooperation in favour of pro-US transatlanticism.

However, the 2022 Russian invasion of Ukraine led to a rethink of Danish foreign policy. The country joined the EU’s common security and defence policy and tightened cooperation with recent Nato members Finland and Sweden.

And when Trump came to power for the second time, the chaotic rightward swing of US foreign policy left Denmark reaching out for support from its EU colleagues over the challenge to Greenland.

While a member of the European Union, Denmark has placed itself at the bloc’s periphery since copying the UK in opting out of the euro and from cooperation in justice and home affairs. But any US invasion of Greenland is likely to break Denmark’s fixed exchange rate policy with the euro (and before that the deutschmark) that has been in place since 1982. So there are economic implications as well as territorial.

The fallout from the US’s threats, and certainly any US intervention in Greenland, go much further than Denmark. While the EU tried to stay in step with the US in its support of Ukraine during Joe Biden’s presidency, since the re-election of Trump, EU member states have very much fallen out with the US. During 2025, the US and EU clashed over trade and tariffs, social media regulation, environment and agriculture policies.

But the latest developments demonstrate that Trump’s US can no longer be trusted as a long-term ally – to Greenland and Denmark, the EU and Europe.

This is a crisis engulfing many countries and triggered by many drivers. In order to understand this complex situation, we can use four different analytical approaches from academic thinking. These can help us contextualise not just the Greenland case, but also the emerging multipolar world of “might makes right”.

1. Realism

Currently the most popular approach comes from within the conservative tradition of “realism”. This predicts every state will act in their own national interest.

In this framing, Trump’s actions are part of the emergence of a multipolar world, in which the great powers are the US, China, India and Russia. In this world, it makes sense for Russia to invade Ukraine to counter the US, for the US to seize assets in Venezuela and Greenland to counter China, and for China to invade Taiwan to counter the US.

2. The new elites

Many think that to understand the events of the past few years, including Trump’s return and Vladimir Putin’s foreign policies, you need to look beyond conservative or liberal explanations to seek out who holds power and influence in the global superpowers. That means the wealthy families, corporations and oligarchs who exert control over the politics of the ruling elite through media and campaign power and finance.

In the cases of Venezuela and Greenland there are two factors at work – the US rejection of the rule of law and the desire for personal wealth via energy resources. But the timing is also important. The operation in Venezuela has been the only story to eclipse the Epstein files in the news in many months.

3. The decline of the liberal order

Many academic explanations see these recent events in the context of the decline of a “liberal order” dominated by the US, Europe, the “developed world” and the UN. In this view, the actions of Putin and Trump are seen as the last days of international law, the importance of the UN, and what western nations see as a system based on multilateralism.

However, this approach tends to overlook the continued dominance of the global north in these systems. The lack of support for the US and EU’s defence of Ukraine has been repeatedly demonstrated in the unwillingness of many global south countries, including China and India, to condemn the Russian invasion in the UN general assembly. It would be interesting to see how such voting would play out if it related to a US invasion of Greenland.

4. The planetary approach

The final – and most important – view is found in the planetary politics approach. This approach is based on the simple observation that so many planetary crises, such as global heating, mass extinctions of wildlife, climate refugees, rising autocracy and the return of international conflict are deeply interrelated and so can only be understood when considered together.

From this perspective it is Greenland’s sustainability and Greenlanders’ lives that must shape the understanding of Denmark’s and other European responses to Trump’s claims. It is through acknowledging the deep relationship that indigenous people have to their ecology that solutions can be found.

And Greenlanders have already expressed their vision for the future. Living on the frontline of the climate crisis, they want an economy built on resilience – not on ego-driven political drama.

While it’s quick and easy to to judge the events in Venezuela or Greenland in terms of the daily news cycle, the four perspectives set out here force people to think for themselves how best to understand complex international crises.

There is, however, a final observation to emphasise. Only one of these perspectives is likely to bring any way of thinking ourselves out of our planetary political crisis.The Conversation

Ian Manners, Professor, Department of Political Science, Lund University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Pentagon’s AI gamble: Is Grok safe for defense?

Pentagon to integrate Elon Musk’s AI chatbot Grok, exploring military data and innovation amid AI controversies.

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Pentagon to integrate Elon Musk’s AI chatbot Grok, exploring military data and innovation amid AI controversies.


Defense Secretary Pete Hegseth announced that Elon Musk’s AI chatbot Grok will soon be integrated with the Pentagon’s networks.

The move aims to harness military data to develop advanced AI technology, despite recent controversies surrounding Grok’s content generation. This integration signals a bold step toward combining commercial AI tools with national defence systems.

Dr Karen Sutherland from UniSC explores the implications of this partnership. We discuss how Hegseth’s approach to AI differs from the Biden administration’s framework, the measures in place to ensure responsible use, and the limitations on Grok’s image generation capabilities.

We also examine the potential risks and international reactions, as well as Hegseth’s vision for innovation within the military. From civil rights considerations to prioritising key technologies, this story highlights the complex balancing act of AI in modern defence.

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#PentagonAI #ElonMusk #GrokAI #MilitaryTech #AIControversy #TechNews #DefenseInnovation #TickerNews


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U.S. pushes Latin American dominance

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What lies ahead for Latin America after the Venezuela raid?

Nicolas Forsans, University of Essex

The Trump administration has justified the recent capture of Venezuelan leader Nicolás Maduro as a law enforcement operation to dismantle a “narco‑state”. It also claimed it would break Venezuela’s ties to China, Russia and Iran, and put the world’s largest known oil reserves back under US‑friendly control.

This mix of counter‑narcotics, great power rivalry and energy security had already been elevated to a central priority by the administration in its national security strategy. Published in late 2025, the document announced a pledge to “reassert and enforce American preeminence in the western hemisphere” and deny “strategically vital assets” to rival powers.

Donald Trump has referred to this hemispheric project as the “Donroe doctrine”, casting it as a revival of the Monroe doctrine policy of the 19th century through which the US sought to stop European powers from meddling in the Americas. He seems to be seeking to tighten the US grip on Latin America by rewarding loyal governments and punishing defiant ones.

If Venezuela is the first test case of the Donroe doctrine, several other Latin American countries now sit squarely in Washington’s crosshairs. The most immediate target is Cuba, which the US has opposed since 1959 when communist revolutionary Fidel Castro overthrew a US-backed regime there.

Trump and his secretary of state, Marco Rubio, have openly hinted that Cuba could be Washington’s next target. They have described Cuba as “ready to fall” after the loss of Venezuelan oil and have boasted that there is no need for direct intervention because economic collapse will finish the job.

Cuba is enduring its worst crisis since 1959. Blackouts now regularly last up to 20 hours, real wages are collapsing and roughly 1 million Cubans have fled the country since 2021. This is all happening as Venezuelan crude oil is being redirected under US control.

For over two decades, Venezuela has provided Cuba with fuel and financing in exchange for doctors, teachers and security personnel – 32 of whom were killed in the US capture of Maduro, according to the Cuban government. Strangling Cuba’s remaining lifelines may well be enough to topple the government there without US forces needing to fire a single shot.

It is possible that Mexico will also soon come under fire. Mexico has quietly become Cuba’s main oil supplier, shipping roughly 12,000 barrels per day in 2025 to account for about 44% of the island’s crude imports. This is unlikely to please the Trump administration, which has recently renewed its threats to “do something” about Mexican drug cartels.

The raid in Venezuela’s capital, Caracas, took six months of meticulous planning and required an extraordinary amount of resources. So it is unrealistic to expect similar raids on other Latin American countries. However, targeted military strikes cannot be excluded.

Speaking on Fox News’s “Hannity” show on January 8, Trump said: “We are going to start now hitting land with regard to the cartels. The cartels are running Mexico.” He did not provide further details about the plans.

Mexico’s president, Claudia Sheinbaum, is trying to construct protective buffers. She has combined condemnation of the raid on Caracas with intense cooperation with the US on migration and security. This includes a deal for Mexico’s navy to intercept suspected drug-running boats near its coastline before US forces do.

But as part of a strategy that pushes US dominance of Latin America, Trump has already floated classifying Mexico’s cartels as terrorist organisations and the fentanyl they traffic across the border as a weapon of mass destruction. These are legal framings that could be used to justify strikes on Mexican soil in the name of counter-narcotics in the near future.

Trump’s other targets

Colombia, historically Washington’s closest military ally in South America, has flipped from “pillar” to possible target. The country’s president, Gustavo Petro, has been one of the loudest critics of the Venezuela raid. He called it an “abhorrent violation” of Latin American sovereignty committed by “enslavers”, adding that it constituted a “spectacle of death” comparable to Nazi Germany’s 1937 carpet bombing of Guernica in Spain.

Trump, who imposed sanctions on Petro and his family in October, responded by labelling the Colombian president a “sick man who likes making cocaine and selling it to the United States”. He then mused that a Venezuela‑style operation in Colombia “sounds good to me” before a hastily arranged phone call and White House invitation dialled back the immediate threat.

How long the conciliation between the two men lasts remains to be seen. Colombia has entered a heated presidential campaign season in which Trump’s remarks are already being read as an attempt to tilt the race, much as his interventions shaped recent contests in Argentina and Honduras.

Further down the hierarchy, Nicaragua’s government will also have watched events unfold in Venezuela with terror. Long treated in Washington as part of a trilogy of dictatorships with Cuba and Venezuela, Nicaragua features in US indictments against Maduro as a transit point for cocaine flights. Nicaragua was also recently designated by the US as a key drug‑transit country.

The unusually cautious statement on the Venezuela raid by Nicaraguan presidential couple Daniel Ortega and Rosario Murillo, as well as the rapid reinforcement of the presidential compound in the capital Managua, suggest a regime that knows it could be next in line should Trump choose to extend his “narco‑terrorism” narrative.

Trump appears to be turning longstanding US concerns – drugs, migration and interference by other major powers – into a flexible toolbox for coercion in Latin America. Countries that defy Washington or host its rivals risk being framed as security threats, stripped of economic lifelines and, possibly, targeted militarily.

Those that keep their heads down may avoid immediate punishment. But this comes at the price of treating hemispheric dominance as a fact of life rather than a doctrine to be resisted.The Conversation

Nicolas Forsans, Professor of Management and Co-director of the Centre for Latin American & Caribbean Studies, University of Essex

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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