Commentary: We Need to Build for Disaster, Not Simply Focus on Recovery

As the frequency and severity of weather events increases, building codes need to be adjusted to include resilience principles.

2 minute read

January 4, 2024, 5:00 AM PST

By Mary Hammon @marykhammon


Exterior side view of a single-story brick home missing back half of roof and a debris pile in the front yard.

In September 2020, Hurricane Laura destroyed the roof of this home in Lake Charles, Louisiana. | Irina K. / Adobe Stock

In the face of rising disaster recovery costs and a looming property insurance crisis, Eleanor Kitzman, the founder of Resolute Underwriters, Inc., says it’s necessary to put in place stronger building codes that incorporate proven, affordable climate-resilient standards and dramatically scale up funding and incentives to help retrofit existing homes to be more resilient.

Last year, the U.S. saw the highest number of major disasters, 23 total, since the federal government started keeping records in 1980. In addition to the massive toll on human life and health, as well as the billions of dollars of related property damage and losses, these severe events are driving up insurance premiums and deductibles and leading to reduced coverage or insurance companies moving out of hard-hit areas altogether.

“The percent of uninsured homeowners has risen from 5% to 12% in just the last three years due to increasing costs,” Kitzman writes. “We can only fix this insurance crisis by fixing our underlying risk crisis. The majority of homes in the U.S. were built to codes that did not anticipate the rapidly increasing extreme weather we are experiencing today.”

She admits there is no one-size-fits-all solution, as risk mitigation is peril specific, but she highlights a few programs in the U.S. that are combining creative thinking, innovative funding, and collaborative effort to tackle the challenge:

  • Alabama: The Strengthen Alabama Homes program, launched ten years ago, offers homeowners grants of up to $10,000 to install roofs that meets Fortified™  construction standard, with the aim of reducing losses from high winds, hail, tornadoes, hurricanes and other severe convective storms. 
  • Louisiana: A climate resilience grant from the Louisiana Office of Community Development and Louisiana Homes Corporation supported the development of 35 new homes built to Fortified standards, which were barely scratched when Hurricane Ida made landfall in August 2021, despite catastrophic damage elsewhere along the nearby coast. 

North Carolina and South Carolina also have Fortified roof grant programs and last year, and Louisiana created a grant program modeled on Alabama’s SAH program. Kitzman says other states are considering similar programs.

“Stabilizing insurance markets starts with strengthening homes, families and communities. We know what needs to be done, and we need to do it now,” Kitzman says.

Tuesday, December 12, 2023 in Route Fifty

portrait of professional woman

I love the variety of courses, many practical, and all richly illustrated. They have inspired many ideas that I've applied in practice, and in my own teaching. Mary G., Urban Planner

I love the variety of courses, many practical, and all richly illustrated. They have inspired many ideas that I've applied in practice, and in my own teaching.

Mary G., Urban Planner

Get top-rated, practical training

Bird's eye view of manufactured home park.

Manufactured Crisis: Losing the Nation’s Largest Source of Unsubsidized Affordable Housing

Manufactured housing communities have long been an affordable housing option for millions of people living in the U.S., but that affordability is disappearing rapidly. How did we get here?

March 25, 2025 - Shelterforce

U-Haul truck on road with blurred grassy roadside in background.

Americans May Be Stuck — But Why?

Americans are moving a lot less than they once did, and that is a problem. While Yoni Applebaum, in his highly-publicized article Stuck, gets the reasons badly wrong, it's still important to ask: why are we moving so much less than before?

March 27, 2025 - Alan Mallach

Rusty abandoned oil well and equipment with prickly pear cactus next to it in West Texas.

Using Old Oil and Gas Wells for Green Energy Storage

Penn State researchers have found that repurposing abandoned oil and gas wells for geothermal-assisted compressed-air energy storage can boost efficiency, reduce environmental risks, and support clean energy and job transitions.

March 31, 2025 - Pennsylvania State University

Green and silver Max BRT bus at station in Fort Collins, Colorado.

Colorado Lawmakers Move to Protect BRT Funding

In the face of potential federal funding cuts, CDOT leaders reasserted their commitment to planned bus rapid transit projects.

15 minutes ago - Colorado Public Radio

Low view of separated bike lanes in middle of Pennsylvania Avenue with U.S. Capitol dome visible at end of street at night.

Safe Streets Funding in Jeopardy

The Trump administration is specifically targeting bike infrastructure and other road safety projects in its funding cuts.

1 hour ago - Grist

Man in green shirt painting yellow and black "Housing is a human right" mural on fence.

Six Reasons Why Housing Is a Human Right

Is housing a human right? A law professor shares six reasons why it should be, from its role in protecting other rights to global recognition and U.S. legal traditions. As public support grows, could housing be the next right written into law?

2 hours ago - Shelterforce Magazine