Standard homeowners policies will cover most disasters that result from a freeze—but when the weather outside is frightful, it's better to minimize the potential risks. Here's how.

The 2017 and 2018 wildfire seasons were a catastrophic shock to communities, legislators, and insurance companies. This paper discusses some of the ways in which insurers are educating their customers about wildfire risks, with the goal of creating resilient communities in high-risk areas and fostering the development of new tools and techniques to help build a more wildfire-resilient world.