Disaster Preparedness
Disaster Preparedness — National Authority Library
Twenty guides on household preparedness for natural-disaster, displacement, and recovery scenarios.
Core frameworks
- Research-graded under Institute standards
- Versioned methodology; reproducible from inputs
- Updated on annual research cadence
Best-practice strategies
- Pair with the relevant flagship score (HRI, FSI, PI)
- Apply the 24-month roadmap inside the hub
- Re-score after each major life event
Disaster Preparedness library
Guide
The Household Preparedness Score Explained
A 0–100 composite of documentation, coverage adequacy, supply readiness, and recovery liquidity.
Guide
Preparedness Profiles by U.S. Region
Preparedness needs vary sharply by region — hurricane belt, wildfire WUI, tornado alley, earthquake zones.
Guide
Hurricane Preparedness for Households
Coverage adequacy, evacuation planning, and post-storm recovery liquidity together determine recovery time.
Guide
Wildfire Preparedness in the WUI
Wildland-urban interface households face escalating premiums and tightening coverage. Hardening and documentation are critical.
Guide
Tornado and Severe-Storm Preparedness
Tornado alley households need shelter access, named-peril coverage, and recovery liquidity.
Guide
Earthquake Preparedness in the West
Earthquake coverage is separate from HO in most states and has high deductibles. Preparedness includes structural and financial layers.
Guide
Flood Preparedness Beyond the Floodplain
25% of NFIP claims come from outside high-risk zones. Flood is the most-misunderstood peril for inland households.
Guide
Winter Storm Preparedness
Power loss, frozen pipes, and ice-dam damage drive winter-storm claims. Prevention is cheaper than claims.
Guide
Designing a Household Evacuation Plan
A one-page evacuation plan compresses a chaotic moment into a checklist of where, who, what, and when.
Guide
Documentation That Speeds Claims
Photo + video inventory, receipts, and serial numbers cut claim cycles in half.
Guide
Go-Bag Design That Actually Gets Used
Most go-bags are designed once and never updated. Practical design and quarterly refresh make them useful.
Guide
Recovery Liquidity After a Disaster
Claims take weeks to settle. Recovery liquidity is what bridges the gap and prevents debt accumulation.
Guide
ALE Coverage and Temporary Housing
Additional Living Expense coverage is the most-overlooked HO line. Limits and term matter.
Guide
The Replacement-Cost Reality for Disaster Recovery
Construction-cost growth has outpaced HO re-rating. Most households are 15–25% under-insured on replacement cost.
Guide
Small Business Disaster Preparedness
Small businesses without continuity plans typically don't reopen after major disasters. Coverage + plan together matter.
Guide
Preparedness for Extended Utility Loss
Multi-day power outages are increasingly common. Generator + battery + fuel planning matters.
Guide
Preparedness for Medical Dependencies
Households with medical-equipment, medication, or care-dependent members need additional planning.
Guide
Disaster Preparedness Research and Data
Primary data sources informing the preparedness score and rankings.
Guide
Preparedness Myths That Hurt Households
Persistent myths that lead to predictable failure.
Guide
A 12-Month Household Preparedness Roadmap
Twelve months of staged preparedness work, season-aligned.