Adjusting residential homes to climate change will probably take some time to implement.

CoreLogic analysis has revealed that river flooding in homes is already costing around $100 million a year.

Otago, Auckland, Wellington, Hawke's Bay, Manawatu-Wanganui and Marlborough have been identified as the regions most at risk.

Head of Research Nick Goodall told Mike Hosking the National Adaptation Plan will feed into how we respond.

He says people need to start taking responsibility instead of relying on government and insurance companies to bail them out.

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