A new set of case studies and a policy brief lay out how states are financing property-level resilience improvements that reduce disaster losses, improve housing affordability, and stabilize stressed insurance markets.
New report: How six states are financing property-level resilience improvements.
Builders have the power to influence how resilient a home rebuild is.
Los Angeles is pioneering a new disaster recovery model that combines cross-sector collaboration, AI-powered coordination technology, and pre-approved wildfire-resilient home catalogs.
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.
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.
Over the last 15 years, Rhode Island has seen cataclysmic inland flooding, tornadoes, and rapidly rising sea levels wearing away at its coast. But the state plans to be a safer, more stable place to live in 50 years.
When extreme weather disrupts communities, small businesses often wind up being the first responders and first casualties. Investing in small business resilience can translate into fewer closures, less unemployment, faster recovery, and stronger local spending after disasters strike.
States are seeing their emergency reserves shrink for the first time since the Great Recession. The path forward is a new, two-pronged pro-growth, pro-resilience model that expands the state’s economic base while simultaneously modernizing the financial tools used to protect it.
From Iowa's pioneering flood-monitoring network to North Carolina's comprehensive resilience blueprint, states are demonstrating what's possible when local leaders take ownership of their climate futures.
An adaptation-minded property insurance system means safer, healthier, more resilient communities and economies that can both prepare for and recover from climate disasters in an affordable, sustainable, equitable way.
Each time the federal government closes, it reinforces a simple truth: the center can no longer hold. The work of building resilient infrastructure and communities must now happen locally.
