Disaster losses have doubled every five to ten years since the 1950s, and in 2005 approached $100 billion worldwide. If this trend continues, insurers around the world will face a trillion dollars in damage claims over the next 15 years. This is an alarming trend, is not sustainable, and needs to be confronted. Will homes be more resilient to damage from the hazards expected over the next fifty years? The answer needs to be yes.