this year in natural disasters
Disaster Recovery on the Brink
Disaster Recovery on the Brink
In 2025, the disaster recovery system teetered on the brink of collapse.
A comparatively light disaster season still overwhelmed core processes, slowed the flow of funds, and created significant operational chaos. The fact that the system held together was not evidence of resilience, but of narrowly avoided failure. The current structure cannot reliably absorb a higher-volume year without fundamental change.
The disasters of 2025
2025 *CPI adjusted
Billion Dollar Disasters
All FEMA Disasters
Billion Dollar Disasters
All FEMA Disasters
Money Dispersed
Since the start of the year, FEMA and the SBA granted survivors of this year's disasters a combined $6.8 Billion in assistance to rebuild their lives.
FEMA individual assistance
small business administration
Insurance Stats
of Americans have seen their premiums increase
raise in premiums each year seen by American families
of US homes could face value crashes in the next five years
Many families are seeing their premiums rise by $500 or more each year
No insurance means no mortgage. No mortgages crash property markets. Experts predict 20-40% of U.S. homes could face value crashes in the next five years.
Source:
FEMA reform: An uncertain path forward
Major changes have been promised for FEMA and the disaster ecosystem, but we face the end of the year with little clarity on exactly how or when they will occur.
What does all this mean for you?
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
What does all this mean for you?
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.
as an emergency manager
Continue to invest in trusted community partnerships, preparedness planning, and resilience. With the system in upheaval, your role is more essential than ever. Thank you for your service.
as an employer
How employers support their people after a disaster impacts everything from business disruption to employee retention to brand perception. Learn how to support employees after a disaster, and make a plan in advance.
as an Individual
Now is the time to invest in resilience. Understand your risks, get to know your neighbors, take simple steps to prepare, and make a plan.
as an insurer
Ecosystem-level change is necessary for the industry to stabilize. In the meantime, invest in increasing resilience for your covered population before disaster strikes, and expect your clients to need more help navigating the system after.