Solutions

The Epicenter’s Insurance Solutions page features short summaries and links to proven partnership models that are redefining the role of insurance in promoting climate resilience.

The materials below illustrate how applying insurance mechanics—ranging from data collection and risk assessments, to parametric structures and new distribution models—can help communities better understand, manage, and insure climate exposures.

The Epicenter’s hope is that by compiling these early-mover examples we can offer insurers, community groups, lenders, and local officials the confidence and content to pursue their own innovative approaches. 

To suggest additions to the materials, please email us.

Insurance Resiliency Solutions

Examples from the field of insurance adaptation and resiliency. This page will be regularly updated with The Epicenter’s picks for most relevant content within each topic.

New models & Innovative financing 

• North Carolina JUA places innovative resilience bond. This announcement by Artemis launches a first-of-its-kind cat bond with resilience elements. (May 2025)
• Willis and TNC place innovative wildfire cover. TNC announces an HOA based parametric wildfire program. (April 2025)
• Mississippi River Towns Pilot New Insurance Model. Multiple towns support a common parametric policy to provide disaster response resources. (November 2024)

Parametric Insurance

• Willis announces payout under Vietnamese farmers’ drought program.  Willis announced that the parametric program is placed last spring had paid benefits to farmers. (February 2025)
• First of its kind extreme heat program launched for 50,000 women workers in India. Climate Resilience for All launches its cash payment heat lifeline. (June 2024)
• California launches first-ever community-based flood program. CDI catalyzes innovative flood coverage. (October 2024)

Risk Modeling

• Open-source risk modelling tools made available to developing nations. The IDF announces its new suite of tools to help  nations assess climate risks. (April 2025)
• Aon launches new risk analysis tool. This article in Captive International describes the new AON Climate Risk Monitor tool. (March 2024)
• ICLEI advances risk assessment and transfer capabilities in Latin America.  This interview features the 10-city Urban Infrastructure Insurance Facility. (October 2024)

Other / Wildcard

• Analysis of 320 climate projects suggests $1 trillion of anticipated savings.  This article in EuroNews reports on a World Resources Institute report on the benefits of projects in 12 countries. (March 2025)
• Humanity Insured launched to insure 3.6 billion people. This article in Reinsurance News reports on Howden’s creation of a non-profit insurance intermediary. (September 2024)

If you have suggestions on additional items that should be included in any of these sections please email us.