Introduction As natural disasters increase in frequency and intensity, communities across the country have sought state policy solutions. Disaster seasons of the last few years have broken records across the board. Hurricanes Harvey, Irma, Maria and 14 others made 2017 the costliest hurricane season on record. It would also have been the most destructive wildfire season on record, if not for 2018, the nation’s deadliest and most destructive year ever, featuring the deadliest single fire in a century―the Camp Fire in Paradise, Calif. The mega-fires of 2020 are still fresh in the nation’s mind―a year that gave California five of its six largest fires in state history, Colorado its single largest fire ever, and temporarily propelled air pollution in some cities to among the worst in the world. According to the National Oceanic and Atmospheric Administration (NOAA), the nation averaged nearly 12 “billion-dollar” disasters annually over the past decade―up from less than five per year between 1980 and 2009. Total damages over the past five years exceeded $525 billion—an annual average of around $106 billion.