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"headline": "Resilience and adaptability are critical for mitigating risk",
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All communities live with some level of risk. It’s unavoidable. And with the increasing frequency of severe weather, it’s often unpredictable too. It’s no surprise that the gap between disaster losses and insurance coverage is widening.
Insurability planning can help communities improve their ability to weather these storms.
This strategic process improves a community’s access to affordable insurance. By getting ahead of potential insurance gaps, communities can safeguard investments, strengthen resilience, and accelerate recovery when disasters strike.
Insurability planning integrates risk management, vulnerability assessments, and community engagement with resilience engineering and innovative insurance solutions. This allows communities to take control of their local insurance landscape to build a future that is resilient and insurable.
Our Insurability Planning team can work with you to enhance your readiness and resilience in an increasingly risky world.
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{
"description": "Insurability planning is critical as communities face increasingly severe weather events",
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"statValue": "$25B",
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"statCaption": "Gap",
"statDescription": "As of 2023, communities in the US face a $25 billion insurance gap."
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{
"statValue": "27",
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"statCaption": "Disasters in 2024",
"statDescription": "There were 27 “billion\u002Ddollar climate disasters” in the United States in 2024, triple the average of the previous 44 years."
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"statValue": "60",
"statSuffix": "%",
"statCaption": "Failure",
"statDescription": "The US insurance market is failing. Nearly two\u002Dthirds of catastrophic loss costs are uninsured."
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{
"headline": "An innovative disaster risk model",
"description": "The wastewater treatment plant in Narrows, Virginia, is vulnerable to flooding. The town wanted to know if they should fix their existing plant or combine with a neighboring community to improve system efficiency. We provided a risk\u002Dinformed model to prioritize investments, mitigation planning, and insurability. While local government budgets typically don’t account for insurance and mitigation grant funding in disaster costs, our model can inform their strategy for mitigation investments and the purchase of insurance for assets.",
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{
"headline": "Proactive, embedded resilience",
"description": "Babcock Ranch, the first solar\u002Dpowered town in the United States, prioritized robust stormwater systems and hurricane\u002Dresilient infrastructure early on in the community’s development. They challenged traditional risk models by advocating for assessments that reflected actual resilience metrics. By embedding resilience into their infrastructure and governance, the town has set a precedent for how insurance can be used as a strategic planning mechanism to incentivize smarter, safer, and more sustainable growth in vulnerable regions.",
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{
"headline": "A winning partnership",
"description": "We’ve partnered with InnSure, a nonprofit innovation hub for novel insurance solutions, to combine engineering expertise and data\u002Ddriven insights to identify, quantify, and assess vulnerabilities for several communities across the United States. This critical information clarifies the Total Cost of Risk to a community, which includes losses and service fees as well as insurance premiums. Once these risks are understood through a financial lens, we can help you plan and implement targeted mitigation strategies.",
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"identifier": "malueg\u002Djohn",
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"jobTitle": "Vice President",
"quote": "We know disasters will happen—helping communities absorb and then rebound quickly is challenging yet imperative to advancing resilience.",
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"quote": "We strengthen our communities through structural improvements but also by valuing the people who use the systems and improve their lives.",
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"identifier": "quigley\u002Ddiane",
"firstName": "Diane",
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"jobTitle": "Senior Associate, Senior Project Manager",
"quote": "I use the best available information to design solutions that reduce risk, adapt resources, and prepare communities for the future.",
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"identifier": "brown\u002Dsean",
"firstName": "Sean",
"lastName": "Brown",
"jobTitle": "Project Manager",
"quote": "In insurance, we help during life’s hardest moments. On site, we don’t just assess damage, we offer clarity and next steps.",
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"headline": "We’re better together",
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"headline": "Become a client",
"description": "Partner with us today to change how tomorrow looks. You’re exactly what’s needed to help us make it happen in your community.",
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