Insurance Resilience Planning Program (IRPP)
The Challenge: The risk of wildfires and floods is growing throughout California. Insurance is a critical tool for managing the costs of these disasters. Research has found that those with insurance have improved recoveries. Insurance is essential for stable housing and can play a key role in supporting resilience. Unfortunately, the growing risk is stressing insurance, coverage is harder to find or more expensive, there are many coverage gaps, and recoveries are stalling. Solutions are possible for California communities if we can close knowledge and capacity gaps and establish the needed partnerships to identify and launch fit-for-purpose innovations.
To address this challenge, Insurance for Good is partnering with the California Department of Housing and Community Development to implement the Insurance Resilience Planning Program, in close coordination with the California Department of Insurance.
Program Overview
The IRPP is a phased program to help eligible communities in the state through the following activities:
Development and provision of tailored educational sessions and trainings on insurance topics, such as market players and insurance basics, current insurance dynamics, how insurance solutions integrate with broader recovery and resilience programs, how to link insurance with property- and community-level risk reduction, new innovations from parametric insurance to group insurance, and many others.
Undertaking economic needs assessments in partner communities to understand unmet recovery needs. This will address hazard exposures, insurance protection gaps, limits of disaster assistance programs, housing stock vulnerabilities, and alignment between loss reduction investments and insurability.
Working in partnership to develop potential solutions that address identified needs in the communities. Solutions could include new private market insurance products, resident programming, insurability investments, or policy or regulatory changes.
Designing pilots and implementation plans for recommended solutions in a subset of communities demonstrating need and readiness. We help move ideas to launch.
Partner Communities
Monterey County
San Benito County
San Diego County
Santa Cruz County
Tulare County
Tuolumne County
Hoopa Valley Tribe
The IRPP seeks to work closely with partners across sectors and communities in eligible geographies. Please reach out about participating in the program if you represent a local government agency, a community organization, a regional group, or other entity concerned about insurability in your area.
Upcoming Events
Join us for the 2026 Insurance Resilience Planning Program Webinar Series! This webinar series discusses critical topics around disaster insurance to support resilience, disaster recovery, and stable and affordable housing in eligible communities.
Making homes insurable in high wildfire-risk areas (Friday, July 10, 12pm PT)
In this second webinar, hear from experts on the frontier of property- and community-level wildfire loss reduction, access and affordability challenges faced by policyholders, industry perspectives on insurability, and opportunities to improve residential insurability in California communities. Learn more and register here.
Flood Insurance: Challenges and New Solutions (Wednesday, August 12, 12pm PT)
In this third webinar, hear expert panelists discuss the current state of flood insurance in California and future opportunities to improve financial and physical flood resilience in California communities. Speakers will provide an overview of National Flood Insurance Program (NFIP) program elements and trends, private flood insurance market dynamics, and case studies on innovative insurance solutions that address community-specific flood risk management needs. Learn more and register here.
Contact Us
If you would like to learn more about the IRPP or think your community might benefit from participation in the program, please contact us.
More information on the IRPP can be found on the California Department of Housing and Community Development’s IRPP webpage.
If you are not located in an IRPP community, but are looking for support, please reach out to Insurance for Good at info@insuranceforgood.org or visit our Learning Lab and Solutions Catalyst program pages.