The reframe that matters more than the yes/no answer
It's tempting to treat "having a basement" as the risk factor, but that framing leads to the wrong fix. Nobody is going to fill in their basement. The actual driver is what basements tend to have — sustained moisture, low light, and utility penetrations near ground level — and every one of those is independently fixable without touching the basement's existence at all.
This distinction matters because it changes what "fixing it" looks like. A dry, well-sealed basement carries much less of this risk than a damp one, even though both are still, definitionally, basements.

