US EditionAlabama Study Reveals Hurricane Resilience Programs Are Paying Off for Homeowners and Insurers
- In 2025, a pioneering Alabama study examined a large volume of insurance data related to the damage caused by Hurricane Sally along the state's coastline in 2020.
- The study followed Alabama’s post-2004 Hurricane Ivan efforts to improve storm resilience through Fortified construction standards created by IBHS.
- Analysis showed that Fortified homes, built or retrofitted to mitigate wind and rain damage, had 55% to 74% fewer claims and 14% to 40% less loss severity.
- Had all damaged residences in the Mobile and Baldwin areas been built or upgraded to Fortified guidelines, insurance providers might have reduced their claims expenses by 75%, resulting in savings of up to $112 million, while policyholders could have lowered their deductible costs by nearly $35 million.
- Alabama’s program includes mandatory insurance discounts and grants for Fortified upgrades, and officials say it could serve as a national model amid shrinking federal resilience support.
23 Articles
23 Articles
Alabama doled out $86 million for storm-resilient homes: ‘It worked like gangbusters’
A new Alabama study of hurricane-affected homes sends a clear message to insurers and homeowners nationwide: climate-resilient construction methods can protect homes, and save a lot of money.
Associated Press News
Alabama study reveals hurricane resilience programs are paying off for homeowners and insurers
A new Alabama study of hurricane-affected homes sends a clear message to insurers and homeowners nationwide: climate-resilient construction methods can protect homes, and save a lot of money.
Report reveals major shift leaving homeowners without critical coverage: 'We're marching steadily toward an uninsurable future'
More Americans are finding themselves unprotected from climate disasters, not by choice, but by cost. As floods, wildfires, and hurricanes get more intense, insurance companies are pulling back, creating what many experts now call a "climate insurance crisis." What is the climate insurance crisis? The climate insurance crisis is the growing gap between homeowners and the insurance meant to protect them. As extreme weather events become more comm…
Alabama Study Shows Benefits of Hurricane Resilience Programs for Homeowners and Insurers
A recent Alabama study has significant implications for homeowners and insurers across the nation, emphasizing the effectiveness of climate-resilient construction methods to safeguard properties and reduce costs. This groundbreaking analysis, unveiled this week, assessed thousands of insurance claims following Hurricane Sally, which lashed Alabama’s coastline in 2020 with winds reaching 105 miles per hour. Homes that were either retrofitted or c…
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