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    <loc>https://www.insuranceforgood.org/blog</loc>
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    <lastmod>2026-10-06</lastmod>
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  <url>
    <loc>https://www.insuranceforgood.org/blog/pathways-natures-benefits-flood-insurance</loc>
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    <priority>0.5</priority>
    <lastmod>2026-10-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/e5d7fc93-ef5a-4974-bccb-1d94926b3e01/Restored-Marsh-Sam+St+John.jpeg</image:loc>
      <image:title>Blog - Developing Pathways to Better Account for Nature’s Benefits in the National Flood Insurance Program - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/c30300ee-94f9-4fb8-9989-cb6bfc197415/marsh+aal+reduction+birds+eye.jpeg</image:loc>
      <image:title>Blog - Developing Pathways to Better Account for Nature’s Benefits in the National Flood Insurance Program - We communicated these results to the residents living next to the marsh. The residents were glad to know that the marsh was reducing their flood risk. However, the residents and their insurance agents were not able to communicate the misaligned risk with FEMA or the NFIP. They also were not able to use any kind of formal process for adjusting mapping that had existed under previous NFIP systems prior to Risk Rating 2.0 when maps were connected to ratemaking.</image:title>
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  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/us-fisheries-insurance-gap</loc>
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    <priority>0.5</priority>
    <lastmod>2026-09-24</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/ef5d07dd-6126-4849-b907-dd0d43a57cc4/iStock-186857100.jpg</image:loc>
      <image:title>Blog - The U.S. Fisheries Insurance Gap - Make it stand out</image:title>
      <image:caption>Large fishing boat anchored in Valdez, Alaska bay with the Chugach Mountains in background. Photo: iStock.com/dhughes9</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/7fe59609-c1e2-4f30-aea4-787dc12501f2/iStock-1393788381.jpg</image:loc>
      <image:title>Blog - The U.S. Fisheries Insurance Gap - Make it stand out</image:title>
      <image:caption>A snow crab in the wild. Photo: iStock.com/LaSalle-Photo</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/74a9d233-2a92-426f-8565-79f275bb1961/iStock-1751685698.jpg</image:loc>
      <image:title>Blog - The U.S. Fisheries Insurance Gap - Make it stand out</image:title>
      <image:caption>Sign at a marina warning the public about the dangers of Blue-Green algae. Photo: iStock.com/Stephen Barnes</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/33c465e8-7bb0-42ae-b06e-603f8bbc7b6e/blog-fisheries-graphics.png</image:loc>
      <image:title>Blog - The U.S. Fisheries Insurance Gap - Make it stand out</image:title>
      <image:caption>Figure 1 | Source: Insurance Business, 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/653ddc6d-a20f-441c-b8b5-cf78e719aa56/FIGURE+2-Insurance+Comparison.png</image:loc>
      <image:title>Blog - The U.S. Fisheries Insurance Gap - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/comment-hud-flood-risk-management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/wetlands-value-riverine-flood-losses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-08-24</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/a3905e8d-0260-4b38-9c93-6b4269c3ade4/Figure1.png</image:loc>
      <image:title>Blog - The value of wetlands in reducing riverine flood losses - Make it stand out</image:title>
      <image:caption>Figure 1 | Change in wetland area (hectares) between 1985 and 2023 summarized by HUC12 sub-watershed. Data accessed from the National Land Cover Dataset.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/a2507570-e32b-4a51-ba4f-b1c5d41c1929/Figure2.png</image:loc>
      <image:title>Blog - The value of wetlands in reducing riverine flood losses - Make it stand out</image:title>
      <image:caption>Figure 2 | Total cost of additional claims payments caused by wetland loss since 1985 summarized by HUC12 sub-watershed.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/tale-of-2-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/9939e912-4447-48e2-88a2-34043d601993/iStock-1263459468.jpg</image:loc>
      <image:title>Blog - Residential Property Insurance in California: A Tale of Two Markets - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/86a40d1e-94af-4c33-aa89-f5b1b739253a/fire+risk+in+CA.png</image:loc>
      <image:title>Blog - Residential Property Insurance in California: A Tale of Two Markets - Make it stand out</image:title>
      <image:caption>Figure 1: Distribution of Residential Structures and Insured Losses from 2018–2023 Catastrophic Wildfires by ZIP-Level Fire Risk</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/273b7607-3bba-4ee0-9a60-980f6b699d19/declining+availability.png</image:loc>
      <image:title>Blog - Residential Property Insurance in California: A Tale of Two Markets - Make it stand out</image:title>
      <image:caption>Figure 2: Change in Admitted Market Residential Policy Counts Since 2009 by ZIP-Level Fire Risk</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/685b6699-be67-4fbf-bb45-ef72c6947a5f/FAIR+Plan+growth.png</image:loc>
      <image:title>Blog - Residential Property Insurance in California: A Tale of Two Markets - Make it stand out</image:title>
      <image:caption>Figure 3: Change in FAIR Plan Policy Counts Since 2009 by ZIP-Level Fire Risk</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/ad34bbcb-4780-43a9-b82a-210ee3b14c4c/FAIR+market+share.png</image:loc>
      <image:title>Blog - Residential Property Insurance in California: A Tale of Two Markets - Make it stand out</image:title>
      <image:caption>Figure 4: California FAIR Plan Market Share by Policy Count</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/9b74d0f6-2dee-49f3-aada-a81069bf2aeb/market+concentration.png</image:loc>
      <image:title>Blog - Residential Property Insurance in California: A Tale of Two Markets - Make it stand out</image:title>
      <image:caption>Figure 5: Market Concentration in Admitted Market by ZIP-Level Fire Risk</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/invasive-species-and-wildfire-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/a1ce785d-be90-4ba0-b5c6-779cf5277479/iStock-1206338419.jpg</image:loc>
      <image:title>Blog - Invasive Species &amp;amp; Wildfire Risk - Make it stand out</image:title>
      <image:caption>Lahaina, Maui, Hawaii</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/ec0ca3a3-a43c-4899-b4b0-5adc41461839/iStock-1092808450+-+mustard.jpg</image:loc>
      <image:title>Blog - Invasive Species &amp;amp; Wildfire Risk - A black mustard field</image:title>
      <image:caption>Invasive black mustard field, Coyote Hills Regional Park.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/d7f16054-7193-4fa5-baea-a013371ba5fe/fig+1.png</image:loc>
      <image:title>Blog - Invasive Species &amp;amp; Wildfire Risk - Make it stand out</image:title>
      <image:caption>The grass-fire cycle. Adapted From: British Ecological Society Journals (Tomat-Kelly et al., 2021)</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/a0d76124-313e-4675-85ce-75dc8cb6e16d/fig+2.png</image:loc>
      <image:title>Blog - Invasive Species &amp;amp; Wildfire Risk - Make it stand out</image:title>
      <image:caption>Continuous fuels (horizontal arrangement) vs ladder fuels (vertical arrangement). Adapted from: Oregon State University</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/9165cedb-9dec-4318-a96b-dcbe43f87182/beckmann.png</image:loc>
      <image:title>Blog - Invasive Species &amp;amp; Wildfire Risk - Make it stand out</image:title>
      <image:caption>Example of vegetation classifications used for wildfire modeling. Figure 1 from Beckmann, et al. 2025.</image:caption>
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  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/benefits-of-risk-pooling-and-diversification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-08-17</lastmod>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/construction-inflation-and-premiums</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-08-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/e9bc1c93-fad2-4566-b38d-2900a79d8f15/iStock-936384788.jpg</image:loc>
      <image:title>Blog - Understanding the drivers of insurance costs: the role of construction inflation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/b2316e06-faff-4b26-82ed-ea89d9b33810/premiums+equation.png</image:loc>
      <image:title>Blog - Understanding the drivers of insurance costs: the role of construction inflation - Make it stand out</image:title>
      <image:caption>Figure 1: Drivers of Insurance Premiums</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/funding-resilience-trust-conditions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/1779139255466-GANKOZYKKXSBW1G41XRS/unsplash-image-lZ_4nPFKcV8.jpg</image:loc>
      <image:title>Blog - Funding Climate Resilience: Trust, Enabling Conditions, and the Questions That Remain - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/growth-in-ca-fair-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-08-17</lastmod>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/why-resilience-finance-starts-with-predevelopment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/acb61062-65de-4606-a83f-89321a75d011/Photo-by-Dave-Hoefler-on-Unsplash-1536x1152.jpg</image:loc>
      <image:title>Blog - Why Resilience Finance Starts with Predevelopment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/9ca759bb-118f-4b96-ae75-8fad14e21665/CAFWD+1.png</image:loc>
      <image:title>Blog - Why Resilience Finance Starts with Predevelopment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Why Resilience Finance Starts with Predevelopment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/california-cant-afford-to-wait</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-24</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/b71bdb97-715a-40d1-9880-3bab21e312ec/26.04.xx+-+CA+FWD+state+funding+blog+cover+image.jpg</image:loc>
      <image:title>Blog - California Can’t Afford to Wait: The Fiscal Case for Sustained Resilience Investment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/partnership-announcement-launch-of-the-insurance-resilience-planning-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/4d35453b-14d9-4e6c-a0de-e5496e3cd888/26.03.04+-+HCD+announcement.png</image:loc>
      <image:title>Blog - Partnership Announcement: Launch of the Insurance Resilience Planning Program - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/encouraging-property-insurers-to-invest-in-communities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/1775057229837-P98ALJTYQDL1C3G7R8QP/26.04.xx+-+COIN+PCI+blog+option+2.jpg</image:loc>
      <image:title>Blog - Encouraging Property Insurers to Invest in Communities - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/protecting-homes-and-building-trust-oneshorelines-home-protection-and-insurability-initiative</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/a397a324-a4ab-4bd6-b9b7-40a391dc5d99/one+shoreline.jpg</image:loc>
      <image:title>Blog - Protecting Homes and Building Trust: OneShoreline’s Home Protection and Insurability Initiative - Make it stand out</image:title>
      <image:caption>Flooding in the Belle Air neighborhood [OneShoreline]</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/f796c198-dd54-4de4-b102-985ac1461574/belle+air.png</image:loc>
      <image:title>Blog - Protecting Homes and Building Trust: OneShoreline’s Home Protection and Insurability Initiative - Make it stand out</image:title>
      <image:caption>FEMA flood map of Belle Air [FEMA NFHL]</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/4f70849d-8672-46a9-bf61-fdb088e07f31/Flood-Supplies-Decision-Guide-English.png</image:loc>
      <image:title>Blog - Protecting Homes and Building Trust: OneShoreline’s Home Protection and Insurability Initiative - Make it stand out</image:title>
      <image:caption>Decision tree of flood control supplies. Image courtesy of OneShoreline.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/cafwd-i4g2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-07-24</lastmod>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/funding-and-financing-for-resilience</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-09-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/6f94cb4b-4fd0-482f-8828-acaff84e0087/funding+figure.png</image:loc>
      <image:title>Blog - Funding and Financing Options for Resilience Investments - Make it stand out</image:title>
      <image:caption>Figure 1: Funding Options</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/202e5176-907e-4fc0-a1ef-09fbb4268da8/financing+mechanism+figure.png</image:loc>
      <image:title>Blog - Funding and Financing Options for Resilience Investments - Make it stand out</image:title>
      <image:caption>Figure 2. Financing Options</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/do-ca-insurers-reward-wildfire-resilience</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/88f54633-8a15-4bd1-97c1-747021bd422e/Table_1.png</image:loc>
      <image:title>Blog - Do California Insurers Reward Wildfire Resilience? - Make it stand out</image:title>
      <image:caption>Table 1: Wildfire Mitigation Measures California Insurers Must Consider for Rate Setting</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/cb728149-03b4-4a12-8351-84c8c87aabb9/Table+2.png</image:loc>
      <image:title>Blog - Do California Insurers Reward Wildfire Resilience? - Make it stand out</image:title>
      <image:caption>Table 2: The Range of Wildfire Mitigation Discounts Offered by the Top 15 Insurers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/629aa6f68914ce47a1d72993/42975ec0-ffe9-430c-9e3c-89a530106aee/Table+3.png</image:loc>
      <image:title>Blog - Do California Insurers Reward Wildfire Resilience? - Make it stand out</image:title>
      <image:caption>Table 3: Select Wildfire Mitigation Discounts by Firm</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/fm-resiliencecredits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-21</lastmod>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/5-ways-to-better-link-risk-reduction-and-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-05</lastmod>
  </url>
  <url>
    <loc>https://www.insuranceforgood.org/blog/q-and-a-dave-jones</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-14</lastmod>
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  <url>
    <loc>https://www.insuranceforgood.org/blog/building-wildfire-resistant-homes-after-disasters-with-headwaters-economics</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-14</lastmod>
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  <url>
    <loc>https://www.insuranceforgood.org/blog/managing-risk-from-good-fire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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