The Weekly: Alabama Used Five Financing Levers to Scale Resilient Building Standards Across the State
Alabama’s approach to scaling the FORTIFIED standard has become a blueprint nationwide.
Alabama’s approach to scaling the FORTIFIED standard has become a blueprint nationwide.
Alabama used five financing levers to get insurers and homeowners to pay for FORTIFIED roofs.
Florida and Alabama have spent hundreds of millions fortifying homes. Isaias is the first mainland hurricane to test that resilience since 2024.
Municipal markets overlook the cost of aging infrastructure. New tools can help cities size their reserve funds against their actual exposure.
To address the housing crisis in the U.S., we need a three-part strategy for centering resilience.
If we don’t build it right and build it to last, new housing supply won’t solve today’s housing crisis.
For most of the country, in most years, the post-disaster window is not the second-best time to invest in resilience. It is the only time anyone does.
The drivers that make extreme heat so severe were all in play over Independence Day weekend: More people live in areas exposed to extreme heat, existing infrastructure is vulnerable to extreme heat, and cooling is expensive and not universally accessible.
Early proof points are what eventually unlock scale, and they almost never look like proof when they begin. We need the compounding of resilience over time, and we need to recognize when the next disaster creates a narrow window for rapid investments in resilience—all at once.
Incrementalism is often dismissed as not scalable enough to translate into population-level outcomes. But a series of incremental changes, conducted by various stakeholders in concert, can translate into new norms, higher standards, and more resilient cities.
Population growth in areas prone to severe storms has increased asset exposure and the physical assets in harm's way are not designed to withstand high winds or hail. Meanwhile, building premiums to rebuild after severe storms are increasing.
The lack of standard home rebuilding playbooks, combined with the uneven delivery of federal disaster recovery funding, has led to fragmented rebuilding efforts over the past few decades. However, disaster recovery has evolved to more systematic approaches using pre-approved home plan catalogs.