The plans exist. The market has depth. What’s missing is the financial framework to connect risk, priorities, and capital.
Governments aren’t short on resilience plans, adaptation strategies, or white papers. What’s been missing is a shared way to price the risk of doing nothing — and that price is rising faster than most budgets can react. RiskReserves Tool puts a number on it.
It isn’t just the big disasters anymore.
Chronic risk and deferred maintenance are compounding just as fast as catastrophic loss — quietly adding up on public balance sheets long before the next headline event forces the issue.
Repeated Nuisance Flooding
Heat Waves
Minor Storms
Repeated Repairs
Lost Economic Activity
Deferred Infrastructure Maintenance
Not one of these claims can be made without a common understanding of the liability that specific risks — and combinations of them — pose to a government as a whole.
Every one of these terms is a return measured against a loss. Until the loss is quantified for a particular jurisdiction, the return is a figure of speech.
We built a way to quantify the liability — so the dividend becomes real.
Resilience officers and finance officers are often describing the same risk in two different languages. One speaks in hazards, adaptation measures, and co-benefits. The other speaks in balance sheets, credit ratings, and budget cycles. RiskReserves Tool translates between them — a single, defensible way to price the financial liability that unmitigated physical risk poses to a government, so resilience investments can be evaluated, and funded, like any other material risk to the public purse.
Finance lens
Describe risk through the lens of government finance — not through engineering or insurance lenses.
Consistent estimates
Estimate expected financial consequences in a consistent, defensible way that can be compared across different hazards.
Shared understanding
Be understandable enough that finance officers, city managers, elected officials and community stakeholders can all have the same conversation.
Institutional trust
Originate from a place of institutional trust.
A proven model for risk-responsive financial planning
A probabilistic risk methodology shows jurisdictions the fiscal impact of future shocks on their operating budget and reserve position. RRT combines historical loss data, weather and hazard risk, economic indicators, and proprietary insurance-brokerage assessments — then runs thousands of forward-looking scenarios to support evidence-based budget decisions.
Monte Carlo Engine
10,000 independent trials · 10-year horizon each
Four things every finance officer walks away knowing
Where your reserves sit on the spectrum
An assessment of the current reserve amount — read as a band, not a single target.
Identify the principal driver of balance-sheet risk
Every hazard in the model, ranked by share of total modeled risk.
| Hazard | Annual chance | Typical hit | Severe hit | Share of risk |
|---|---|---|---|---|
| Recession | 26% | $7.6M | $11.5M | 54% |
| Flood | 13% | $5.5M | $10.2M | 38% |
| Earthquake | 0.2% | $66.3M | $111.1M | 5% |
| Wildfire | <0.1% | $15.7M | $15.7M | 0% |
10-year reserve projection
A distributional view across 10,000 simulated paths — not a forecast. The band shows the spread of plausible outcomes.
Illustrative sample path built from the deck's published methodology and figures. Your jurisdiction's actual projection is generated from your own budget and hazard data.
Understand fiscal policy changes and shocks before they happen
Move the levers you control, then dial in a shock outside your control. Try it below.
Simplified illustrative model for demonstration only — the live RiskReserves Tool runs a full 10,000-trial Monte Carlo simulation against your jurisdiction's real budget and hazard data.
“Salt Lake City was very impressed with the work on the City's Risk Reserve Policy Analysis. They thoroughly understood the City's financial policies and risk tolerance and were instrumental in training city staff on the implemented reserve model.”
“The City of Vista engaged to identify the potential and magnitude of revenue loss from a recession and natural catastrophes like wildfires, earthquakes and floods.”
Government Finance Officers Association
The largest membership organization of finance officers in the U.S. and Canada, serving 7,800 local government units — with an explicit focus on financial decision-makers, a 6,000-attendee annual gathering, and a state-level network across 15+ states.
The Resiliency Company
A non-profit do-tank mobilizing the funding, policy, and innovation required to live safely in a time of accelerating disasters — supporting local and state government in building the next generation of American infrastructure.
Bring RiskReserves to your community
A joint initiative of The Resiliency Company and the Government Finance Officers Association.