If you’re thinking about a long-term real estate investment or shopping for a place to settle down for 20 or 30 years, you might be wondering which cities or states could fare better than others in a changing climate. 

 “There are no winners in a world where climate change gets worse,” said Alex Kamins, director of regional economics at Moody's Analytics and author of a recent study on climate risks in the United States.

 Climate change is ramping up the long-term risk almost everywhere, said Kamins and others. Temperatures are increasing. Oceans are warming, and rising. And scientists say the heat and higher sea levels help make some natural disasters more extreme.  

 The impacts vary widely over time and space, so it’s difficult to make a definitive ranking that says “buy here, not there,” but a growing body of evidence helps highlight some general trends. 

 USA TODAY looked at data from First Street and Moody’s Analytics – two organizations examining future climate risk – to see what areas of the country are most at risk from these climate impacts over the next 30 years.

 Insurers and mortgage companies are asking the same kinds of questions, Kamins said. Banks are being asked to “stress test their portfolios in preparation for the impact of climate change.”

 While locations with the greatest risks seem obvious – think Florida – others might surprise you. 

 Here's your guide to what, when and where you can expect climate change impacts to be the worst in the U.S.