When It Rains, Your Employees Feel It

New research on what extreme rainfall costs the people who work for you.

Extreme rainfall is no longer an occasional disruption. In 2024 the U.S. saw 27 separate billion-dollar weather disasters, an estimated $182.7B in damage (NOAA). 99% of U.S. counties have experienced a flood event in the past 20 years, and flooding is involved in 90% of federally declared disasters.

Most of that cost never reaches an insurance claim. Only about 5% of U.S. households carry flood insurance. For a household that does flood, the first 30 days can bring $11K to $44K in uninsured costs, against an average FEMA disaster grant of about $3.1K.

That gap lands on employees. It shows up as absence, as financial stress, as people who can't get back to work as fast as the business needs them to.

This report lays out what we found, and some options for closing the gap.