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As heat waves get worse, these fixes will help keep your home cool and energy efficient.

July 2023 will almost certainly be declared the hottest month ever recorded, but it is unlikely to hold that record for long. Climate change is making heat waves more frequent, intense, and longer-lasting across the U.S.
Adapting to this hotter future is often discussed at the scale of a city; measured in early warning systems, green spaces, and cooling centers. But there’s also a lot that individual homeowners can do to help their communities and protect themselves.
While the vast majority of American households — some 88% — use air conditioning for relief, homeowners would be wise to consider a variety of additional, “passive” cooling techniques. These are strategies that can keep your home at a safe temperature during a heat wave if the power goes out, an increasingly likely scenario. They will also save you a bit of money on energy bills. In a sense, adapting your home to extreme heat is just another way of thinking about how to make it more energy efficient.
These retrofits also have wider benefits. Since air conditioners work by transferring heat from inside your house outdoors, these fixes can cool down your neighborhood. They’ll cut carbon emissions and air pollution by lowering demand for electricity. If widely adopted, they’ll also help prevent blackouts and could shrink the amount of renewable energy projects that need to be built to replace fossil fuels, alleviating pressure on conservation.
I spoke with Steve Easley, a building science consultant who specializes in energy efficiency, and Shawn Maurer, technical director of the Smart Energy Design Assistance Center at the University of Illinois, about how homeowners should prioritize their options when it comes to passive cooling.
“I always recommend that people do a home energy audit from a certified HERS rater,” Easley told me, referring to the Home Energy Rating System, a nationally recognized system for inspecting and calculating a home’s energy performance. The auditor will tell you how leaky your house is, and how well your roof insulation, windows, and other parts of your house are working to keep out heat, and help you figure out what to attack first. (Easley also recommends getting at least three quotes for any of these solutions, because different contractors bid this work out very differently.)
Below are five things you can do to improve your home’s resilience to heat. Depending on a number of factors — such as where you live, how your house is constructed, and the condition it's in — the mileage you can get out of each of these measures will vary. The good news is that the federal government and many state governments offer tax credits and rebates for most of these solutions. The Inflation Reduction Act created the Energy Efficient Home Improvement tax credit, which offers homeowners up to $1,200 per year to spend on energy efficiency improvements. As part of that, you can claim $150 simply for getting an energy audit.
Maurer said the very first thing he would do to improve the efficiency of a home is to seal up any cracks where air can get in — for example, along the edges of the floors, around the windows, and in the ceiling around light fixtures. “That carries in moisture, heat, and everything from outdoors into the house. It's going to offset any air conditioned air you got inside the house. So air leakage is usually the place we recommend to start,” he said. “And then from there, it's what your budget can handle as far as adding more insulation to your house.”
Insulation comes in a wide range of materials, such as fiberglass and rock wool, blown cellulose, and rigid foam boards. It can be blown into your walls, installed on the floor of the attic, or underneath your roof deck. It’s a jack-of-all-trades when it comes to energy efficiency, since it keeps heat inside in the winter and blocks it from entering in the summer. That means it’s a great option for those in colder climates that also want to prepare their homes for hotter summers.
A 2021 study by a group of researchers at Lawrence Berkeley National Lab modeled the efficacy of a wide array of passive cooling measures in low-income homes in Fresno, California. It found that roof insulation, along with solar-control window films, which we’ll get to in a moment, were the two most effective ways to keep heat from entering the buildings. However, the authors note that roof insulation is an expensive major retrofit, and recommend that it only be done when the roof needs replacement.
A good first step might be finding out what kind of insulation you already have. The most important metric when it comes to insulation is called “R-value,” and the higher the number, the more effective it is. Older homes may have attic insulation as low as R-13, whereas modern building codes typically require insulation between R-38 and R-60.
The new federal tax credit offers up to 30% of the total cost of a project for air sealing and insulation, maxing out at $1,200 total. (Labor costs are not covered by the credit.)
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Having a light-colored roof and exterior will most certainly keep your home cooler than darker options, but not all light colors are created equal. “Cool” roofs and walls are made with special materials that reflect solar energy back into space, preventing it from being absorbed by the building. They also have high “thermal emittance,” meaning they release a lot of the heat that they do absorb, rather than sending it indoors.
All kinds of materials have been developed with these properties. For roofs, there are tiles, shingles, membranes, liquid coatings, and products made of slate, wood, and metal.
Cool roofs don’t necessarily have to be white, although the color does work very well. According to a database maintained by the Cool Roof Ratings Council, the most effective products tend to be bright white coatings, but there are also gray, green, blue, brown, and tan products that are rated highly.
For reflective walls, the most effective products similarly come in white and other light-colored paints, which can reflect 60 to 90 percent of sunlight when new. An extensive 2019 study of reflective wall paints by the same group at Lawrence Berkeley National Lab found that cool walls can reduce annual energy use in single-family homes in warmer U.S. climates by 2% to 8.5%.
Easley said it’s worth considering a cool roof if you have a central air conditioning system in your attic. Otherwise, attics in places like Arizona can get upwards of 130 degrees, taxing the equipment and forcing it to work harder. If your attic isn’t home to your AC, it may only make financial sense to do this kind of retrofit if your house is already in need of a new paint job or your roof needs work.
But it’s probably not worth considering a cool roof if you live in a colder climate, like the Northeast and upper Midwest, since cool roofs can actually make it colder inside in the winter.
There’s no federal incentives for cool roofs, but several states and utilities offer rebates.
This is a big category, and it’s easy to get overwhelmed by the options. Starting with those that will likely cost the most to the least, you can:
• Replace your windows altogether.
• Add storm windows to the interior or exterior of your existing glass.
• Purchase films that can be applied to the existing glass to increase its reflectivity.
• Install external shutters or awnings that block the sun.
• Install interior blinds and curtains that block the sun.
Here’s a rundown of each option.
New windows: Replacing your windows can cost tens of thousands of dollars, so unless they are already in need of repair, you may want to hold off on that option. But when the day does come around, you’ll want to look for “Low-E” windows, which stands for low emissivity. The inside of the glass is coated with microscopic layers of silver that reflect heat while still allowing light to pass through.
Within that category, you’ll also want to look for windows that have what’s called a low “solar heat gain coefficient.” This measures how much heat is absorbed by the glass and transferred inside. It’s rated on a scale of 0 to 1. If you live somewhere that’s sunny year round like Arizona, you ideally want one rated 0.25 or lower.
Through 2032, homeowners can claim up to $600 in federal tax credits for purchasing Energy Star rated windows.
Storm windows: Rather than replacing your windows entirely, it’s far cheaper to install storm windows with Low-E glass, which basically involves bolting another window to the outside of your house. Storm windows have an added benefit of improving air sealing, eliminating drafts.
Film: An even lower-cost option is to look into films with low solar heat gain coefficients that can be applied to existing windows. However, Easeley warned that many manufacturers will void your warranty if you add films to your windows.
Shutters, awnings, blinds, and curtains: Exterior shutters and overhangs that block the sun from ever reaching your windows will generally be more effective than interior shades or blinds, but all of these measures can help. “Window blinds and curtains are really dirt cheap ways to control energy,” said Maurer. “It’s not a very good buffer, but it’s something.”
The Berkeley study on passive cooling measures notes that blinds moderately improve how much heat from the sun enters your home, but they can feel more effective by reducing the sensation of sunlight streaming into your house.
If you still have any incandescent lights, they can also be a significant source of heat. They should be replaced with LED lights.
Planting trees, climbing ivy, and other vegetation can also passively cool your house by shading both your house and any surrounding pavement. However, if you have solar panels, or plan to get them in the future, do not plant trees on the south side of your home as it may reduce the solar system’s effectiveness.
Maurer cautioned that if you do a bunch of work in your home to reduce your cooling needs, you’ll want to keep that in mind if you ever have to replace your air conditioner. He advised having a contractor come in to re-measure what size system you need, since doing a like-for-like replacement will probably be overkill and could result in it malfunctioning.
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My colleague Emily Pontecorvo has a fascinating story today about Net Power, an energy and power development company whose technology once seemed key to decarbonizing the country’s electricity grid.
When Net Power went public in 2023, it was working on a natural gas-burning power plant that would generate little to no emissions in part by using carbon capture and storage. Its invention seemed to have big implications, and not just for the company’s bottom line: Back then, the Environmental Protection Agency was drafting climate rules that would have required new natural gas plants built in the 2030s to capture their carbon dioxide emissions. Net Power’s technology seemed like one of the best available ways to meet that standard.
Cut to 2026, and the world looks different. Thanks to the artificial intelligence boom, electricity demand is surging. But Net Power hasn’t successfully commercialized its proprietary power plant technology. Even if it had, few companies are willing to pay the high premium required by Net Power’s technology, especially when cheaper options are available. And the government certainly isn’t going to require it. Emily’s story reveals what happened next.
When I helped start Heatmap more than three years ago, I never thought I would write this much about data centers. I believed that electricity demand growth was inevitable, sure, and I thought the U.S. power grid had to expand for the country to decarbonize. But I didn’t foresee such a staggering near-term surge in electricity demand. (To be fair, even long-time students of the computing industry’s energy use didn’t see the coming increase, either.)
What I didn’t anticipate — or understand — were two fast-moving trends. The first was that the AI models were responding to scale: the more text or images they consumed, or training they received, or (crucially) computational power they had access to, the better they got. The second was that Wall Street was happy to pay to continue that speedy scale-up. As long as models kept getting better, investors were willing to keep lending or investing more money to the companies making them. Through the power of those two scaling functions, the data center boom became one of the biggest infrastructure buildouts in American history.
In recent days, the second of those trends has started to falter. After a surprisingly hot inflation report last week, and a disclosure on Wednesday evening that Meta has gone free cash flow negative to finance its ongoing AI buildout, stocks with any proximity to AI or data centers stumbled on Wall Street today. The data center developers Coreweave and Vistra were each down about 10%, while Microsoft, Alphabet, and Nvidia all fell in daily trading. Meta’s stock lost almost 7% of its value; GE Vernova, which produces gas turbines, was down 10%.
These declines look more significant when you zoom out. Since late June, a good chunk of the AI portfolio has sagged into the red. Coreweave’s stock is down 54% over the past six months. Alphabet and GE Vernova have also posted declines since the summer. (The trend isn’t uniform: Nvidia and Microsoft are still very much in the green.)
None of this, to be sure, guarantees that the AI boom is ending or even slowing down. But this finance-applied friction is what such a slowdown could look like. Investors aren’t (yet) saying that AI is a business dud, to be clear, just that companies perhaps don’t need to go and construct all this stuff so fast. And given what the data center buildout has meant for energy construction — not to mention greenhouse gas emissions — that’s a trend nobody in climate or energy can ignore.
The zero-emission pioneer is doing the dirty work for the AI boom.
All kinds of companies have refashioned themselves to exploit the AI boom. A bitcoin miner became a data center developer, a shoemaker is building GPUs, and an electric vehicle company is integrating its powertrains into server racks.
Now, a company that once aspired to build one of the lowest-emitting power plants has pivoted to building one of the dirtiest in order to meet data centers’ requirement for speed to power above all. Net Power was founded to pioneer a new form of natural gas power plant with zero emissions, but it has given up on that technology and recently acquired 10 natural gas reciprocating engines that it plans to co-locate with a data center on the site intended for its first commercial plant.
“We believe the clean piece is important,” Net Power CEO Danny Rice said during an August earnings call when he announced the company’s pivot to building unabated natural gas plants. “But just as it’s always been, it will only come at scale once society’s basic energy pillars of reliable, affordable power are fully in place. Power demand is outstripping supply today.”
Net Power’s pivot is a sign not only that the AI boom has eroded market appetite for clean power, but that U.S. policies supporting carbon capture — primarily the 45Q tax credit that President Trump’s One Big Beautiful Bill Act recently expanded — are still not enough to support the technology’s deployment in the power sector.
“The long history of doing CCS in the United States is there isn’t enough public funding to get companies to deploy it at scale,” Jack Andreasen Cavanaugh, a senior research associate at Columbia University’s Center on Global Energy Policy, told me.
This is actually the second major pivot the company has made in less than a year. Last November, Net Power was still testing its proprietary oxy-combustion technology at its demonstration site in La Porte, Texas. The tech was designed to burn natural gas in a chamber with pure oxygen, producing a purer stream of CO2 than when natural gas is burned in regular air. Net Power’s system could recycle some of that CO2 for power generation and capture the rest more efficiently than a conventional gas plant could. The company had not yet demonstrated that the system could generate more energy than it used, however.
By that point, Net Power had determined that its oxy-combustion plants, if they ever even did generate net power, would not be economically competitive anytime soon. In its 2025 Q3 financial report, the company said it had “decided to broaden the scope of its business” and develop more conventional natural gas plants with carbon capture equipment tacked on. It signed a letter of intent with Entropy, a Canadian company building “post-combustion” carbon capture equipment, to bring the tech to the United States, and ordered two 30-megawatt Siemens natural gas turbines for 2028 delivery.
“For us and everyone else in the power and data center space these days, speed is everything,” Rice said at the time. “We believe gas turbines with [post-combustion capture] can and should be the fastest-to-market and most cost-competitive clean, firm solution for our prospective customers.”
He told investors that rising costs were one of the setbacks Net Power faced in building its first-of-a-kind oxy-combustion plant. It was highly unlikely the company could finance and build a $1.7 billion, 200-megawatt plant before completing all its testing, he said. The best-case scenario for the plant to come online was 2030 or 2031, and costs might keep rising with inflation. The company could either bet on that prospect and keep bleeding cash, or “slow down that spending in order to free up some of our resources for near-term accretive opportunities.” As a public company with shareholders to answer to, there was really only one choice.
By the end of 2025, Net Power decided to suspend its oxy-combustion development and testing activities altogether, according to its year-end SEC filing.
Six months later, the company’s thesis changed again. Gas turbines with post-combustion capture, it turned out, were not the “fastest-to-market and most cost-competitive” solutions that the company had hoped they’d be. Whereas once upon a time, electricity buyers considered a range of factors when shopping around for power, including carbon emissions, the reality was that they were now only looking for three qualities: speed, reliability, and scale. “Natural gas power generation, co-located with customer load, and deployable on a fast timeline, is how we expect to meet that demand today,” Rice told investors, adding that the company hoped to add carbon capture to its projects in the future.
To date, only one proposed U.S. natural gas plant with carbon capture has announced a deal to sell its prospective power. In October 2025, Google signed a power purchase agreement with the Broadwing Energy Center, an Illinois plant under development by a company called Low Carbon Infrastructure.
“There is a massive demand for unabated gas right now, and there is much less of a demand for carbon capture,” Cavanaugh said. He told me there are still lots of conversations happening between hyperscalers and carbon capture companies, but the physical realities and costs of capturing, transporting, and storing carbon from natural gas plants remain obstacles.
The Global CCS Institute published its annual Global Status of CCS report this week, which found more than 266 carbon capture, transport, or storage projects are under development in the U.S., but permitting delays and policy uncertainty are stalling their progress. “Inflation and rising capital costs have weakened project economics, reducing the effectiveness of existing policies, such as tax and investment credits,” the report said.
That doesn’t mean there aren’t still companies trying. Net Power may have given up on oxy-combustion power plants for now, but Arbor Energy, a startup founded by former SpaceX engineers, is just ramping up. Arbor announced a milestone in the development of its own oxy-combustion power generator last week, running a key piece of its system — a supercritical CO2 turbocompressor — for more than two hours at high speeds.
Arbor differentiates itself by using 3D-printed turbines and developing smaller, more modular plants. It’s scaling more incrementally than Net Power tried to, starting with a 1-megawatt demonstration plant in California that is “weeks away” from operating, the company’s Chief Operating Officer Alicia Harmon told me — although the project won’t include carbon storage. It plans to build a 25-megawatt demonstration plant by 2028, also sans storage, before manufacturing commercial-scale systems.
Arbor actually went through a pivot of its own due to the data center boom. The founders originally planned to focus on bioenergy with carbon removal, using the oxy-combustion technology to generate power from biomass and storing the resulting CO2 underground. Over time, though, it became clear that demand for power outpaced demand for carbon removal, and natural gas was more abundant than biomass.
I asked Harmon whether the company thought there was market demand for carbon-capture gas plants. Is anyone willing to pay that green premium right now? “Honestly, my answer is no,” she said, but the company sees a path to erasing the green premium by the early 2030s. She added that Arbor’s technology is already “very close” to parity with combined-cycle natural gas plants when the 45Q tax credit is taken into account.
Last month, Net Power announced it had acquired 123 megawatts’ worth of Wärtsilä reciprocating engines, in addition to the Siemens turbines it had already ordered. Reciprocating engines are among the dirtiest natural gas power-generation technologies. A recent report from Earthjustice estimated that a 1-gigawatt plant powered by reciprocating engines would emit 1.5 times as much CO2 per year as one powered by the “combined cycle” technology most modern plants use, and twice as much nitrogen oxides and fine particulate matter. It has not yet disclosed any data center partners to sell the power to.
Net Power declined to comment on this story.
Ben Allen wants to reform the existing market. Jane Kim wants a revolution.
From Crescent City to Coronado, California voters are facing decisions on a down-ballot strewn with over a dozen propositions and a series of statewide Democrat-versus-Republican races with mostly foregone conclusions.
And then there’s the insurance commissioner.
In the race to oversee California’s insurance market, a $452 billion-in-premium-volume monster imperiled by insurer defections and disaster risks, Democratic State Senator Ben Allen, whose district includes Pacific Palisades, is facing off against Jane Kim, a progressive former San Francisco supervisor.
Kim has the support of Vermont Senator Bernie Sanders — it’s the first thing you see about her when you Google her campaign. She previously served as his California political director during the 2020 presidential race, and she appeared earlier this month at an event with the senator in support of the state’s proposed billionaire wealth tax.
Allen, by contrast, won the endorsement of the state’s Democratic Party and its two incumbent senators.
There has been little public polling of the race, but one September survey showed Kim leading Allen 25% to 18%, with more than half the electorate undecided.
“My opponent and I are not even running for the same office,” Kim told me. “He’s running for what this office used to be, and I’m running for what this office could be.”
Allen wasn’t worried about Kim’s characterization in my interview with him, telling me, “I want to fix the market that we have and make it work. My opponent wants to build a new state insurer that nobody has priced.”
Nowhere are the stakes of insurance regulation higher than in California. On its own, the state’s insurance market would be the third largest in the world, according to the National Association of Insurance Commissioners. Homeowner insurance premiums have risen 84% from the end of 2020 to March 2026, according to research from Stanford’s Climate and Energy Policy Program. Several large insurers have either left the market entirely or stopped writing new policies.
California’s creaky and complex regulatory environment for insurers has combined with its famously flammable environment (all beset by a warming climate) to put regular policyholders at risk of losing their policies or bailing out those who can’t get covered. “Climate risks grow, and our mechanisms for dealing with it lag behind,” Matt Weiner, the chief executive of the wildfire policy group Megafire Action, told me. (Weiner said he was supporting Allen in his personal capacity).
Rates for homes insured by the FAIR Plan, the barebones insurer of last resort, have more than doubled from about 2% to 5% over that same period, with FAIR Plan coverage spreading from just high-risk areas to even areas with low and moderate wildfire risk. The plan required a $1 billion assessment from the state’s insurers in 2025 following major Southern California fires. “This trend is a symptom of many homeowners’ inability to secure insurance in the conventional market,” according to the Stanford researchers.
Allen seeks to make the insurance market work better, building on reforms implemented by current Insurance Commissioner Ricardo Lara. Allen described the reforms, which encourage insurers to write policies in high-risk areas and allow them to use forward-looking projections, as a “bit of a band-aid” that doesn’t “actually get to the core of the problem, which is making these communities less risky.”
Allen’s plan for the California insurance market involves both reviewing rate proposals more quickly, incorporating more data into those rates (which may push rates up, but also keep insurers in the market), and mobilizing the whole of government to invest in home hardening and resilience to lower risk and bring premiums down. Allen wants to, well, insure “that risk reduction is actually incentivized and rewarded by the insurance market,” he told me.
This would mean that “there will continue to be certain properties that are going to be so high risk that they really will and ought to be paying significantly more than everybody else,” he added.
When I asked him to elaborate on his vision for California’s insurance future, he told me, “My hope is that when a family and a neighborhood commit to hardening defensible space and community-scale mitigation, that should show up on the bill.”
Jane Kim, on the other hand, is interested in an insurance revolution, which would require — as her most famous supporter might put it — a political revolution as well. Her centerpiece proposal will be familiar from anyone who has followed Sanders’ career: a single-payer disaster insurer.
The plan, which she told me was a “concept and a proposal,” would be funded by a levy placed on insurers, and then a public insurer would invest in the market, buy reinsurance, and pay out claims. (Her opponents have criticized her for not being forthcoming enough with details). She says her plan would not be able to cover a Palisades- or Altadena-level fire in its first year, “but no insurance company can cover a catastrophe of that level.”
The nonprofit nature of the program, she adds, would let the state fund mitigation work directly. While such a program would require legislative action, “the great thing about campaigns is that this is trying to debate big ideas with voters,” Kim said.
In response, Allen cited a report from the California Earthquake Authority, which modeled a state disaster insurer (albeit not Kim’s plan specifically) could require $25 billion in capitalization. A more thinly capitalized insurer could mean $2,000 assessments on every policyholder in the state to cover an extreme wildfire disaster, the report said. “That’s the honest price of what she’s proposing,” Allen said.
“I also have a plan that’s actually grounded in reality and fixing the problems right now. It's not based on some pie-in-the-sky set of ideas that have no precedent, that have no real meat on the bones,” Allen told me.
One of Allen and Kim’s former opponents, Patrick Wolff, who fell short in the top-two primary election in June, told me that “the charitable interpretation of Kim’s platform is she does not think the current system can be made to work, and so she essentially wants to redesign and reimagine the entire system.” (Wolff has endorsed Allen). But, he added, “she’s coming at it from a set of solutions that were baked-in before she started, and then she's fitting [those] into her campaign.”
Moira Birss, a senior fellow at the Climate and Community Institute who said she had “provided input” to Kim’s campaign, but wasn’t speaking on its behalf, told me she “really recognizes that we are yet again in a situation where the private insurance market is not responding to a need that we as communities and as society have for this financial safety net of disaster insurance, and that we need a public approach.” She said the plan would build on lessons learned from New Zealand, which has public natural disaster insurance funded through a levy on fire insurance, and from the National Flood Insurance Program and the FAIR Plan.
Kim is happy to embrace the more ideologically charged vision of her campaign, telling me, “I am talking about transforming this office to be a place where we are leading on, and taking on, economic inequity, a wealth gap, and the climate crisis.
“I don’t even view my opponent as Ben Allen — I’m not running against Ben Allen,” she went on. “I’m running against the status quo.”