Ben Keyes

And restricting the areas where people can build and increasing the material quality that they're going to use is going to raise those costs even further. And so that's the tension that we're facing right now in the context of the housing shortage makes all these issues unbearable.

And restricting the areas where people can build and increasing the material quality that they're going to use is going to raise those costs even further. And so that's the tension that we're facing right now in the context of the housing shortage makes all these issues unbearable.

And restricting the areas where people can build and increasing the material quality that they're going to use is going to raise those costs even further. And so that's the tension that we're facing right now in the context of the housing shortage makes all these issues unbearable.

There's one bright spot on making these climate-related adaptations that I think is going to be a model for a lot of places, and this is Alabama's efforts to fortify the roofs in hurricane-exposed parts of the state.

There's one bright spot on making these climate-related adaptations that I think is going to be a model for a lot of places, and this is Alabama's efforts to fortify the roofs in hurricane-exposed parts of the state.

There's one bright spot on making these climate-related adaptations that I think is going to be a model for a lot of places, and this is Alabama's efforts to fortify the roofs in hurricane-exposed parts of the state.

Um, there's been a large program in Alabama to, um, provide grants, uh, at the state level, um, and a recognition that, um, you know, doing this ex ante is far cheaper, um, than replacing all of these roofs ex post. And so, um, providing grants to, um, help homeowners afford upgrading the quality of their roofs. It's been supported by the insurance industry.

Um, there's been a large program in Alabama to, um, provide grants, uh, at the state level, um, and a recognition that, um, you know, doing this ex ante is far cheaper, um, than replacing all of these roofs ex post. And so, um, providing grants to, um, help homeowners afford upgrading the quality of their roofs. It's been supported by the insurance industry.

Um, there's been a large program in Alabama to, um, provide grants, uh, at the state level, um, and a recognition that, um, you know, doing this ex ante is far cheaper, um, than replacing all of these roofs ex post. And so, um, providing grants to, um, help homeowners afford upgrading the quality of their roofs. It's been supported by the insurance industry.

Uh, they offer discounts on, uh, on the insurance premiums thereafter. If you've If you've gone through this fortification process. And so I think there's a number of these pilot programs, which are still, for the most part, quite small, but are quite successful. And I think we're going to see more of these play out across the country. You know, insurance markets are regulated at the state level.

Uh, they offer discounts on, uh, on the insurance premiums thereafter. If you've If you've gone through this fortification process. And so I think there's a number of these pilot programs, which are still, for the most part, quite small, but are quite successful. And I think we're going to see more of these play out across the country. You know, insurance markets are regulated at the state level.

Uh, they offer discounts on, uh, on the insurance premiums thereafter. If you've If you've gone through this fortification process. And so I think there's a number of these pilot programs, which are still, for the most part, quite small, but are quite successful. And I think we're going to see more of these play out across the country. You know, insurance markets are regulated at the state level.

And so that sort of creates those 50 different laboratories that we hear so much about for different states to be able to try out new and different things.

And so that sort of creates those 50 different laboratories that we hear so much about for different states to be able to try out new and different things.

And so that sort of creates those 50 different laboratories that we hear so much about for different states to be able to try out new and different things.

I think some of these will have true impact. I think they are big enough potentially to create enough units to make housing first be a major element of a reduction in homelessness. And certainly, the Biden administration has tried to align efforts at a number of different levels. One of the challenges with homelessness is that it is ultimately a very local problem. because people are mobile.

I think some of these will have true impact. I think they are big enough potentially to create enough units to make housing first be a major element of a reduction in homelessness. And certainly, the Biden administration has tried to align efforts at a number of different levels. One of the challenges with homelessness is that it is ultimately a very local problem. because people are mobile.

I think some of these will have true impact. I think they are big enough potentially to create enough units to make housing first be a major element of a reduction in homelessness. And certainly, the Biden administration has tried to align efforts at a number of different levels. One of the challenges with homelessness is that it is ultimately a very local problem. because people are mobile.

And so they're going to move around to locations where they're going to find a better quality of life. And what form that takes for those on the streets might be quite different. But this is one of the challenges why you need sort of state and federal coordination. You can't simply have programs that are a one-off program in one city.

And so they're going to move around to locations where they're going to find a better quality of life. And what form that takes for those on the streets might be quite different. But this is one of the challenges why you need sort of state and federal coordination. You can't simply have programs that are a one-off program in one city.