In recent weeks, millions of people across the United States have faced the harsh extremes of Danger Season. A prolonged heat wave pushed ‘feels-like’ temperatures well over 100 degrees Fahrenheit in parts of the Midwest, Mid-Atlantic, and Northeast, while roughly half of the country was under heat alerts or warnings. Grid operators took emergency steps to maintain reliability as electricity demand surged and severe holiday-weekend storms left hundreds of thousands of households without power.
Together, these events served as a reminder that during Danger Season—the period between May and October when North America is hit hardest by extreme weather, like heat, drought, wildfire, and hurricanes—electricity is about much more than keeping the lights on. Electricity is powering our air conditioners, fans, refrigerators for medication, and other essential services, all of which keep people safe during extreme heat. For older adults, young children, people with chronic illnesses, and many medically vulnerable individuals, access to cooling can mean the difference between remaining safe at home and experiencing serious heat-related illness.
These events also illustrate a broader challenge. As the climate warms, households are increasingly relying on cooling to stay safe while electricity costs continue to rise. In other words, the need for cooling and the cost of cooling are increasing together.
For many families, particularly those already facing high energy burdens, this creates a growing affordability challenge. Paying for electricity is no longer simply a question of comfort: it is increasingly a prerequisite for health and safety.
Because no single dataset captures every dimension of affordability, the five figures below draw on multiple national datasets covering different time periods. Together, they illustrate long-term temperature trends, recent changes in household electricity costs, and the latest available evidence on energy burden and energy insecurity. They show how electricity spending during Danger Season has changed over time, how seasonal cooling needs have increased, how energy burdens remain concentrated among lower-income households, and how affordability is already affecting people’s ability to keep their homes at safe temperatures.
Taken together, these figures suggest that affordability is becoming an increasingly important dimension of climate resilience. As extreme heat becomes more common, the challenge is not only whether households have access to cooling—but critically, whether they can afford to use it.
The cost of cooling a home is increasing
As summers become hotter across much of the country, electricity has become one of the most important tools for protecting health during periods of extreme heat. But staying cool comes at a cost. Since 2020, the average household’s electricity spending during Danger Season will have increased by more than 30 percent, projections suggest. This increase reflects more than inflation alone. According to research from the National Energy Assistance Directors Association (NEADA) and the Center for Energy Poverty and Climate (CEPC), higher household cooling costs are being driven by a combination of rising electricity demand, increasing retail electricity prices, continued investments in grid infrastructure, fuel costs, and broader changes in energy markets. What may once have appeared to be a temporary increase is increasingly becoming the new normal.
The need for cooling is growing
Rising electricity bills are only one part of the story. Households also need more cooling than they once did. One helpful data set for understanding this long-term change is the Cooling Degree Days (CDD) from the National Oceanic and Atmospheric Association (NOAA)—a standard measure used by climatologists and utilities to estimate how much cooling buildings require. Unlike measures that simply count extreme heat days, CDD captures the cumulative need for cooling over an entire season. Because climate trends are generally evaluated over periods of 30 years or more, this 50-year record provides a robust picture of long-term change. And despite the year-to-year variability, the overall trend is clear: people in the United States generally need more cooling today than they did five decades ago.
Rising cooling demand does not necessarily translate into hardship for every household. But for families already facing high energy burdens, the need for more air conditioning can mean substantially higher summer electricity bills.
Lower-income households were already struggling with costs
Higher electricity bills and greater cooling needs do not affect every household equally. Lower-income households were already spending a disproportionate share of their income on energy before this summer. That’s where an examination of energy burdens becomes important. Energy burden refers to the share of a household’s income spent on energy bills, and it is highest among lower-income households. In this analysis, lower-income households are defined as those earning 80% or less of their Area Median Income (AMI). AMI is the median income for a given metropolitan area or county. Because incomes and costs of living vary across the country, AMI provides a locally adjusted benchmark for comparing household incomes.
The graph above, with data from the most recent annual estimates available from the US Department of Energy’s Low-Income Energy Affordability Data (LEAD) Tool, shows that energy burden is dramatically higher among lower-income households. Families with lower incomes have less flexibility to absorb rising utility bills because energy already consumes a much larger share of their budgets. For these households, even modest increases in cooling costs can force difficult tradeoffs between paying utility bills and meeting other essential needs.
Affordability is forcing difficult, unsafe choices
Energy burden isn’t just reflected in household budgets—it shapes everyday decisions. Responses collected by the Census Bureau in late summer 2024 about experiences during the previous 12 months show that lower-income households are substantially more likely to reduce spending on essentials, such as food or medicine, in order to pay their energy bills. They are also much more likely to report keeping their homes at temperatures that felt unsafe or unhealthy. Households earning less than $25,000 annually, more than one-quarter reported keeping their homes at temperatures that felt unsafe or unhealthy. As household income increases, both of these hardships become steadily less common, suggesting that affordability increasingly shapes who can safely cool their homes during periods of extreme heat.
Affordability is driving increasing rates of energy insecurity
These affordability challenges are becoming more widespread. Energy insecurity refers to the inability to adequately meet a household’s basic energy needs. It can include difficulty paying utility bills, keeping a home at safe indoor temperatures, or maintaining reliable electricity service.
New data suggest that these challenges are affecting a growing share of households. Comparing the 2020 and 2024 Residential Energy Consumption Surveys from the US Energy Information Administration shows increases across every major indicator measured, includingutility disconnection notices, reductions in spending on food or medicine, and an inability to adequately heat of cool the home. . Together, these findings suggest that energy affordability is becoming an increasingly important public health and climate resilience challenge.
Addressing the climate and energy affordability challenge
Fortunately, there are solutions. Reducing heat-trapping emissions remains essential to limiting how severe, and how costly, future summers become. Investments in weatherization and energy efficiency can reduce household energy needs before temperatures rise. Utility bill assistance and stronger protections against utility disconnections can help families stay safe during periods of extreme heat. Community solar, resilience hubs, and distributed energy resources can also help communities prepare for, withstand, and recover from increasingly dangerous summers.
Just as important, policymakers and regulators can and should evaluate energy decisions through an affordability lens. As electricity demand grows and investments are made to modernize and strengthen the electric grid, ensuring that electricity remains affordable, particularly for households already facing high energy burdens, will be critical. Affordability is becoming an increasingly important component of climate resilience, alongside investments in grid reliability, energy efficiency, weatherization, and consumer protections.
The figures in this analysis point us toward important questions. Which lower-income communities face the greatest combined risks from rising cooling needs, high electricity costs, and limited household resources? Where are households already struggling to stay safe during periods of extreme heat? And which policies can ensure affordability keeps pace with a warming climate? As the climate changes, our understanding—and our solutions—must continue evolving too.
Because when temperatures become dangerous, access to cooling is no longer simply a matter of whether air conditioning exists. It is increasingly a matter of whether people can afford to use it.