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In many coastal states, flood-prone areas have seen the highest rates of home construction since 2010, a study found, suggesting that the risks of climate change have yet to fundamentally change people’s behavior.

The study, by Climate Central, a New Jersey research group, looked at the 10-year flood risk zone — the area with a 10 percent chance of flooding in any given year — and estimated the zone’s size in 2050. Then the group counted up homes built there since 2010, using data from Zillow, a real estate company.

For eight states, including Connecticut, Rhode Island, Mississippi and South Carolina, the percentage increase in homes built in the flood zone exceeded the rate of increase in the rest of the state.

There are many reasons construction persists despite the danger. In some cases it’s urban sprawl, in others it’s a desire among government officials for property-tax revenues. But whatever the reason, this kind of building activity will “come back and bite,” said Benjamin Strauss, president and chief scientist of Climate Central, which produces and publishes research on the effects of global warming.