Retrofit ROI simulator · free · no account
Which home upgrades actually pay off? Get them ranked, in dollars.
Every $1 spent on hazard mitigation saves roughly $4–$11 in avoided losses (FEMA-cited research). But which dollar, on your house? Enter your ZIP and five details — get your local hazard profile and a ranked retrofit plan with payback periods.
How it works
Three minutes to a plan you can act on
01Your local hazards
We resolve your ZIP to your county's FEMA National Risk Index profile — 18 natural hazards, scored 0–100, with real expected-annual-loss dollars behind each one.
02Your home, specifically
Roof age, foundation, construction, year built — five questions adjust the hazard math to your actual house. The compute runs in your browser; the details never leave it.
03Retrofits, ranked in dollars
23 retrofits scored on three benefit streams — avoided damage, energy savings, possible insurance credits — with payback years, lifetime NPV, and a budget optimizer.
Why this exists
"Climate resilience" is vague. Your payback period isn't.
Free tools today give you a flood map, or a generic energy audit, or a scary color-coded score. None of them answer the homeowner's actual question: of all the things I could do to this house, which are worth the money — here, specifically?
HomeResilience Labs blends three benefit streams no other free tool combines — avoided hazard losses (FEMA county loss rates applied to your home), energy savings (EIA state electricity prices), and illustrative insurance credits (state mitigation programs) — into one ranking. Ranges, sources, and formulas are on the methodology page. No precision theater.
Popular questions
Straight answers, with math
Do storm shutters pay for themselves?
In high-hurricane counties, opening protection often shows a positive lifetime NPV once insurance wind-mitigation credits are counted — but the answer flips inland. Run your ZIP to see which side you're on.
Which upgrades lower an insurance premium?
Fortified roofs, opening protection, seismic bolting, and Class 4 hail roofs all have real state-level credit programs. We show the range and always say the same thing: it's an estimate, confirm with your insurer.
Is insulation a "resilience" upgrade?
Yes — it's usually the sneaky winner. It saves energy every single day and keeps your home habitable hours-to-days longer in heat waves, cold snaps, and outages. Dual benefit streams make its payback hard to beat.