The frequency and intensity of natural disasters—such as hurricanes, floods, and storms—are on the rise, threatening our way of life and our livelihoods. Insurance, an often confusing and unpopular tool, is critical to recovery from these crises. Yet, as it becomes ever more essential, insurance markets are under stress, many are uninsured, and insurance often seems divorced from efforts to improve the resilience and sustainability of our communities. How can we improve insurance to provide consistent and sufficient help following all disasters?