The economic losses from disasters that are not covered by insurance continue to grow, but resilience projects are generating measurable positive returns.
If today’s funding landscape resembles disconnected wells, then climate resilience requires something closer to a watershed—where resources are intentionally pooled, directed, and circulated across geographies, sectors, and time horizons.
The economic losses from disasters that are not covered by insurance continue to grow, but resilience projects are generating measurable positive returns.
As climate-driven hazards accelerate, a dangerous structural misalignment has emerged: What building codes deem legally permissible to construct is increasingly at odds with what catastrophic risk models deem financially viable to insure.
As long as building codes lag behind climate realities, private insurance markets will continue to dictate local safety standards by default. Resiliency Codes offer a clear, actionable strategy to change this dynamic.
The housing affordability crisis and the wildfire crisis aren't distinct challenges. They're a self-reinforcing cycle that requires investing in resilience to break.
Twenty-three billion-dollar disasters, $115 billion in damage, and not one hurricane: 2025 was a masterclass in how climate risk in the U.S. has changed.
Twenty-three billion-dollar weather and climate disasters struck the United States in 2025, revealing important takeaways for decision-makers in the real estate, public infrastructure, and insurance sectors.
Property insurance markets across the U.S. are under strain as premiums rise and insurers pull back from high-risk regions. In response, a growing number of states are leaning on public and quasi-public reinsurance backstops.
States are making a mistake by using public reinsurance mechanisms to address rising insurance costs. Legislators should invest in climate resilience and risk reduction rather than transfer risk to taxpayers and ignore the underlying drivers of catastrophic insurance losses.
Extreme weather events and a changing climate are reshaping long-term housing affordability across America. The result is a migration pattern that would have shocked demographers a decade ago: people are leaving the Sun Belt and heading to the Rust Belt.
Nine months after the Eaton and Palisades fires, the Department of Angels released a large, community-level survey in October offering a detailed look at how homeowners perceive their recovery experience.
A recent analysis of the private market from Insurance for Good found that premium discounts for home hardening vary immensely, and often aren’t tied to the actual potential impact on losses.
The California FAIR plan is proposing a huge rate hike, alongside incentives to reduce wildfire risk. The success of the effort hinges on cultivating a robust, affordable industry around fire-resilient construction.
