The big change that needs to happen soon is passive heat blocking for personal residences.
Most HOAs don’t allow a big extra wooden structure over the roof to block the sun; but they’re going to need to start to keep home prices up.
But HOAs are designed to make rule changes almost impossible. So I predict we’re going to see a lot of expensive neighborhoods become cheap ones in the next 15 years, due to their HOA not fkexing to support necessary heat control structures.