Resilience Barriers Impede Majority of US Homeowners as Climate-Driven Events Approach

A recent survey commissioned by the American Property Casualty Insurance Association (APCIA) and conducted by The Harris Poll revealed that a significant majority of homeowners face challenges when attempting to enhance the resilience of their homes against natural disasters, with 74% encountering obstacles. The survey highlighted the pressing need for mitigation and resiliency efforts among homeowners and business owners to safeguard their properties from the impacts of natural catastrophes. Financial constraints were identified as the primary barrier, with 46% of respondents citing cost as a significant hurdle.

Additionally, 20% expressed a lack of knowledge on where to begin or what actions to take. Key findings from the survey include strong support for the adoption of the latest building codes by communities (85%), willingness to upgrade home materials to meet code standards (75%), and backing for restrictions on development in disaster-prone areas (80%). To alleviate cost concerns, homeowners expressed that incentives such as reduced costs for updated materials, lower insurance premiums, and financial aid would be beneficial.

In response to the increasing frequency and severity of natural disasters, insurance companies, like APCIA, are investing in advanced tools and technologies to improve climate risk and disaster mapping. They also collaborate with organizations like the Insurance Institute for Business & Home Safety to provide practical solutions for consumers and communities. Karen Collins, APCIA's property and environment vice president, emphasized the importance of prioritizing resiliency and mitigation efforts in the face of climate change impacts.

She called for stronger building codes, community planning, and a shared commitment to reducing risks and increasing resiliency. APCIA president David A. Sampson recently presented the Wildland Fire Mitigation and Management Commission's final report to address the threat of catastrophic wildfires in the country, highlighting the need for new approaches to mitigate wildfire risks.

As communities face escalating climate impacts, collaboration and adaptation are crucial to enhancing resilience and reducing the risk of damage from natural disasters.