For what it's worth - I insurance industry has focused more on researching risk reduction in the language that insurance speaks, which is individual risks. @ibhs.org and others are hugely valuable sources of info for risk reduction, and there are clear benefits from improvements in building codes:
But your point on community-scale risk advising is a good one, and while it's happening in patches via philanthropy, it's not happening systematically at the scale needed.
Meanwhile the winds are blowing against building codes, setting us back further:
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I've been wondering if it would help if the home insurance industry got away from pooling policies geographically at all.
What if they dispersed policies across different risk areas, a little fire risk here, a little hurricane risk there, w/ no huge swaths of risk.
Meanwhile the winds are blowing against building codes, setting us back further: