Article Out Loud – Transforming Disaster Financing: An Alternative to FEMA Funding

This is an article by Josh Curry, Andrew Jackson, Chandler Clough, Johnny Hicks, and Ryan Rockabrand, an Article Out Loud from Domestic Preparedness, December 10, 2025.Disaster financing needs to move from reactive spending to proactive risk management. A market-based approach can protect communities by securing disaster funding through contractual mechanisms rather than political processes. Learn how such an approach can build a more resilient financial system to withstand both natural disasters and economic shocks without relying solely on government appropriations or post-disaster aid.Now to the featured article.