Many homes in Winnipeg, Vancouver, Chatham-Kent, and Chilliwack are in high flood hazard areas, with recent builds increasing in Manitoba, Saskatchewan, and B.C. due to housing supply efforts. Winnipeg has 45% of residences in flood zones, while over 10% of Metro Vancouver homes face flood risks, often occupied by lower-income, older residents. Climate change may increase flood frequency and severity, highlighting the need for improved flood defenses and regulations to protect vulnerable populations.