Insurability Planning
Resilience and adaptability are critical for mitigating risk
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.
An innovative disaster risk model
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-informed 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.Proactive, embedded resilience
Babcock Ranch, the first solar-powered town in the United States, prioritized robust stormwater systems and hurricane-resilient 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. Read MoreA winning partnership
We’ve partnered with InnSure, a nonprofit innovation hub for novel insurance solutions, to combine engineering 大象传媒 and data-driven 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. Read MoreDean Staples, Vice President, Director, IBO Program
Unlock the door of innovation and you will discover a world where ordinary boundaries fade, and extraordinary possibilities thrive.
John Malueg, Vice President
We know disasters will happen—helping communities absorb and then rebound quickly is challenging yet imperative to advancing resilience.
Rebecca Leitschuh, Principal, Infrastructure Resilience Leader
We strengthen our communities through structural improvements but also by valuing the people who use the systems and improve their lives.
Diane Quigley, Senior Associate, Senior Project Manager
I use the best available information to design solutions that reduce risk, adapt resources, and prepare communities for the future.
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