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More than two weeks after Winter Storm Fern swept across the South, many communities remain in a difficult in-between phase: the immediate crisis has passed, but thousands of residents—particularly the elderly, rural, low-income, and medically vulnerable—are still without reliable heat, power, communications, or water. President Trump issued Presidential Disaster Declarations for twelve states , but in many places FEMA Individual Assistance has not yet been activated. This creates a familiar...

Moving communities from reactive response to continuity by design. C heck out our next webinar on February 11, 2026 if you are interested in learning more! Disasters are not random acts of fate. The storms, hurricanes, fires, and other extreme events that naturally occur are not disasters in themselves. What causes the disasters are the failures of power, water, communications, logistics, and finance —and communities that prepare for those failures recover faster, cheaper, and with far less...

As communities across the South—from Texas and Oklahoma through the East Coast—dig out from Winter Storm Fern's historic damage, a familiar pattern is emerging:  time is the most expensive commodity . Businesses need to reopen, infrastructure must be restored, and communities expect visible progress—often long before federal reimbursements arrive. Winter Storm Fern has exposed what disaster finance professionals already know: most state and local governments are not structured to move capital...