Only 11% of Americans feel ready to recover from severe weather, survey finds

Worry is high but few households have reviewed their coverage, documented their belongings or built emergency savings, and insurance costs are among the financial strains they report

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.