[CBLT]

It's not just an incentive to home buyers, it's a shift-left that will make it all the way to developers. Homes will only be built that are affordably insurable, whether that means better location or more disaster-proof construction.

[dylan604]

Good. And the people that can afford to build to those standards would be able to afford to rebuild after a disaster instead of having to use insurance. As they say, "it do cost to live in paradise".