Structural Risk Reduction for American Homes & Property

Storm and disaster risk is actively eroding the affordability of American homeownership. Insurance premiums are rising sharply, carriers are pulling back from high-risk markets, and millions of families face growing exposure with few options.

A new wave of property-level data and risk analytics has made it possible to measure physical risk with extraordinary precision. But very few companies are changing the physical risk itself.

Zephyr is building the infrastructure to make structural risk reduction as scalable as risk measurement. We turn routine roof replacements into verified, financed resilience upgrades — certified to the IBHS FORTIFIED standard — and connect those upgrades directly to insurance and capital markets outcomes.

The result: properties that are measurably harder to damage, portfolios with lower loss ratios, and communities where resilience is the default — not the exception.