Solution Use the RiskReserve Tool to quantify communities’ future financial losses from weather, natural hazards, and economic shocks through the municipal budget, establishing a baseline that guides reserve-setting, investment choices, and resilience financing priorities. Key challenge Moving from abundant plans and recommendations to implementable, scalable financing pathways for resilience given growing risks and unclear funding at the needed scale. Context Communities across the United States face increasing exposure to extreme weather, natural hazards, aging infrastructure, and economic disruption, creating a widening gap between risk and investment. While many jurisdictions understand the risks and have produced plans and studies, implementation is hindered by uncertainty over how to pay for solutions at the scale required and by resilience being underpriced in relevant financing markets (e.g., municipal bonds). Solution in practice Resilient America, a program of The Resiliency Company (an independent nonprofit), enables governments, investors and the community to measure and value risk and resilience actions using practical analytics and replicable models. Its RiskReserve Tool quantifies future financial losses via the municipal budget to establish a baseline of risk that supports more informed decisions on reserves, investments, and resilience priorities, helping stakeholders (including governments, investors, insurers, businesses, and residents) align around practical financing strategies that convert resilience from planning into measurable action. In 2025, the Resiliency Co also underwrote an independently authorized and reviewed article based on interviews with issuers, investors, rating agencies, insurers, and market experts to examine the opportunity and challenges for resilience in the municipal bond market and why resilience remains underpriced. Impact / outcome RiskReserve Tool quantifies future fiscal losses to set a risk baseline for reserves and resilience financing. Next steps The Resilient America Summit's core finding was that resilience financing is a coordination problem, not a cost-benefit problem. Tools like the RiskReserve Tool already exist to translate physical risk into fiscal risk in terms governments and investors recognize; the gap is connecting that evidence to the actors and structures needed to deploy capital at scale. A coalition should focus on three steps: first, embedding RiskReserve-style risk quantification into standard government financial planning processes. Second, connecting quantified risk assessments to market financing structures — resilience bonds, revolving loan funds, and parametric insurance. Third, supporting the replication of multi-jurisdictional resilience authority models, such as the Resilience Authority of Annapolis, which demonstrated that independent, blended-capital structures can direct $0.94 of every dollar directly to projects. Organizations involved Authoring: The Resiliency Company (Resilient America) Actors: Resilience Authority of Annapolis Implementation partners Civil Society Organizations; Local Governments; Investors & Banks; Insurers; Regulators & Policymakers