Moving because of climate. We handle the rest.
Your insurance, real estate, mortgage, healthcare, school, and utility decisions across state lines — sourced from federal data, routed through licensed partners, priced to your situation.
Cover image: Unsplash — coastal evacuation route, illustrative.
- Your homeowners premium just renewed at 2–3× the 2021 price, with no plausible path back down.
- Your carrier non-renewed you, or paused new business in your ZIP.
- A specific event — Ian, Helene, Palisades, Eaton, Beryl — made the abstract risk concrete.
- A roof or flood claim exposed a structural exposure you hadn't priced.
- The honest framing — what you're actually solving for, and whether the move is the right call.
- Calendar coordination across 25+ sequential steps over a 90-day window.
- Licensed-professional routing for insurance, real estate, mortgage, healthcare, and movers.
- Cross-vertical diligence that single-vertical providers won't surface.
The five corridors we run end-to-end
Each corridor ships with six in-depth playbooks (overview, insurance, housing, schools, healthcare, 90-day checklist), source-cited federal data, and a partner-routing rulebook.
Florida → Tennessee
Hurricane risk + distressed homeowners market exit. Tampa or Miami household to Nashville, Knoxville, or Chattanooga.
Run the corridor →
Florida → North Carolina
Hurricane exposure reduced, not eliminated. Helene re-rated inland NC; insurance market is open but re-pricing.
Run the corridor →
California → Texas
Wildfire + cost + tax. Property-tax tradeoff is the load-bearing math; TX has no income tax but high effective property tax.
Run the corridor →
California → Idaho
Wildfire + cost, slower pace. Panhandle WUI underwriting is the gotcha; ID still has serious fire exposure.
Run the corridor →
California → Arizona
Fire exit, but water and heat are the new constraints; AZ AMA rules now limit new-build supply.
Run the corridor →Your corridor not listed? Tell us and we'll add you to the waitlist.
A FL→TN household assembles ten independent decisions from ten unrelated vendors.
First Street Foundation's 9th National Risk Assessment (2023) estimates ~3.2 million Americans have already relocated out of flood-exposed areas, and ~50 million live in census blocks with material climate-risk exposure that may face property-value impairment. EDF / Rebuild By Design (2022) projects ~13 million directly displaced by sea-level rise alone by 2100 under the intermediate-high scenario. US Census ACS 2022 migration flows show the corridors are real and ongoing — CA-to-TX at ~102K net inbound, FL-to-TN and FL-to-NC at ~60K each, CA-to-AZ ~39K, CA-to-ID ~28K.
None of this movement is currently served by a single operator. Insurance, real estate, mortgage, banking, healthcare, schools, utilities, movers, tax planning, identity / address change — ten unrelated vendors with no one holding the calendar. Migration Concierge unifies discovery and routing across all ten, surfaces the federal data that actually changes the decision, and routes qualified pieces to licensed partners with full FTC affiliate disclosure.
Common questions
Who is this for?
Households actively considering an interstate move primarily because of climate-related insurance, premium, or risk pressure. Most of the families we help are leaving Florida or California; about a third are early-stage exploring and two-thirds are within 12 months of moving.
How are you compensated?
We are a referral / lead-generation service. When a household we advise transacts with a partner agent, broker, lender, navigator, or moving aggregator, we may receive a per-lead fee or revenue share. Compensation bands are disclosed at /disclosure and on every recommendation. Compensation never changes which partner we recommend.
Will you tell me not to move?
Yes, when the math says so. Discovery surfaces households with active high-acuity medical care, mid-Bright-Futures-scholarship children, employer-anchored spouses, or defensible insurance positions today — and we will say plainly that the corridor is not the right call yet.
Why these five corridors and not others?
They are the five interstate flows where (a) US Census ACS migration data shows persistent net inbound, (b) origin states have documented insurance-market distress, and (c) destination admitted-market structure is materially different. Other corridors (CA→CO, FL→GA, etc.) will be added as partner coverage matures.
Where do the numbers come from?
Federal and state agencies: NOAA, USFS / Pyrologix, US Drought Monitor, NOAA SLR Viewer, WRI Aqueduct, NOAA NCEI normals, US Census ACS, BLS regional CPI, Tax Foundation, FL OIR, CA DOI, NCIUA, TWIA, NAIC. Every quantitative claim ships with a source and vintage on /why.
Ready when you are.
Tell us where you are, where you're considering, and what's pushing the move. In 4–6 turns we'll surface the corridor that fits — or tell you honestly that yours isn't yet supported.