Request for Information Regarding Resilience Measures and Insurance Coverage, 106551-106553 [2024-30936]

Download as PDF Federal Register / Vol. 89, No. 249 / Monday, December 30, 2024 / Notices better for English as a second language students at all levels. Most feedback, however, opposed changing the civics test to a multiple-choice format. These commenters stated the change: • Would require reading comprehension skills at a significantly higher level of English proficiency and reading vocabulary knowledge than is currently required for naturalization.9 • Would require test-taking skills in multiple choice format that is not currently required of naturalization applicants.10 • Would create new challenges for adult learners because it requires a higher level of reading ability that cannot be met by low-literacy adults who learn orally.11 • Would pose a barrier to those without formal education.12 The objective of the trial was to determine an efficient way to reduce undue barriers 13 to taking the naturalization test and the majority of the feedback received revealed concerns that the trial version of the test may increase burdens on applicants. Therefore, USCIS has decided to terminate the previously proposed trial test altogether. III. Termination Is Immediately Effective The proposed trial test is terminated effective immediately. USCIS continues to use the current 2008 version of the English and civics test.14 Ur M. Jaddou, Director, U.S. Citizenship and Immigration Services, Department of Homeland Security. [FR Doc. 2024–30213 Filed 12–27–24; 8:45 am] BILLING CODE 9111–97–P ddrumheller on DSK120RN23PROD with NOTICES1 9 Id. 10 See, for example, Immigration Legal Resource Center (IRLC), Naturalization Test Redesign (Sept. 8, 2023), https://www.ilrc.org/resources/ naturalization-test-redesign (last visited Nov 20, 2024). 11 Id. 12 Id. 13 See Executive Order 14012 (February 2, 2021), available at https://www.govinfo.gov/content/pkg/ FR-2021-02-05/pdf/2021-02563.pdf. 14 See USCIS Policy Manual, Volume 12, Citizenship and Naturalization, Part E, English and Civics Testing and Exceptions, Chapter 2, English and Civics Testing [12 USCIS–PM E.2], available at https://www.uscis.gov/policy-manual/volume-12part-e-chapter-2 (last visited Nov. 20, 2024). See also Study for the Test, available at https:// www.uscis.gov/citizenship/find-study-materialsand-resources/study-for-the-test (last visited Nov. 20, 2024). VerDate Sep<11>2014 23:58 Dec 27, 2024 Jkt 265001 DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR–6505–N–01] Request for Information Regarding Resilience Measures and Insurance Coverage Office of Policy Development and Research, Department of Housing and Urban Development (HUD). ACTION: Request for information. AGENCY: Homeowners and housing providers have experienced significant increases in property insurance premiums and deductibles in the past several years, along with reductions in insurance coverage, added requirements, and withdrawals of insurance companies from certain markets. In July 2024, HUD convened an insurance summit to address challenges in the property insurance market. The insurance summit highlighted the need to increase property resilience to natural hazards and to clarify the relationship between resilience measures and costs to property owners, including the cost of insurance. Through this Request for Information (RFI), HUD seeks public input regarding how best to assess measures to increase the resilience of residential properties to natural hazards and extreme weather. This information will allow HUD to develop policies that better support HUD’s program participants in increasing resilience to natural hazards, including extreme weather, and accessing affordable insurance for their properties. DATES: Comment Due Date: February 28, 2025. Late-filed comments will be considered to the extent practicable. ADDRESSES: Interested persons are invited to submit comments responsive to this RFI. All submissions must refer to the docket number and title of the RFI. Commenters are encouraged to identify the number of the specific question or questions to which they are responding. Responses should include the name(s) of the person(s) or organization(s) filing the comment; however, because any responses received by HUD will be publicly available, responses should not include any personally identifiable information or confidential commercial information. There are two methods for submitting public comments. 1. Electronic Submission of Comments. Interested persons may submit comments electronically through the Federal eRulemaking Portal at https://www.regulations.gov. 2. Submission of Comments by Mail. Comments may be submitted by mail to SUMMARY: PO 00000 Frm 00146 Fmt 4703 Sfmt 4703 106551 the Regulations Division, Office of General Counsel, Department of Housing and Urban Development, 451 7th Street SW, Room 10276, Washington, DC 20410–0500. HUD strongly encourages commenters to submit their feedback and recommendations electronically. Electronic submission of comments allows the commenter maximum time to prepare and submit a response, ensures timely receipt by HUD, and enables HUD to make comments immediately available to the public. Comments submitted electronically through the https://www.regulations.gov website can be viewed by other commenters and interested members of the public. Commenters should follow the instructions provided on that site to submit comments electronically. Note: To receive consideration as public comments, comments must be submitted through one of the two methods specified above. Again, all submissions must refer to the docket number and title of the notice. No Facsimile Comments. Facsimile (FAX) comments are not acceptable. Public Inspection of Public Comments. All comments and communications properly submitted to HUD will be available for public inspection and copying between 8 a.m. and 5 p.m. weekdays at the above address. Due to security measures at the HUD Headquarters building, an advance appointment to review the public comments must be scheduled by calling the Regulations Division at (202) 708– 3055 (this is not a toll-free number). HUD welcomes and is prepared to receive calls from individuals who are deaf or hard of hearing, as well as from individuals with speech or communication disabilities. To learn more about how to make an accessible telephone call, please visit https:// www.fcc.gov/consumers/guides/ telecommunications-relay-service-trs. FOR FURTHER INFORMATION CONTACT: Todd Richardson, General Deputy Assistant Secretary, Office of Policy Development and Research, Department of Housing and Urban Development, 451 7th Street SW, Room 8100, Washington, DC 20410–0500; telephone number 202–402–5706 (this is not a tollfree number). HUD welcomes and is prepared to receive calls from individuals who are deaf or hard of hearing, as well as individuals with speech or communication disabilities. To learn more about how to make an accessible telephone call, please visit https://www.fcc.gov/consumers/guides/ telecommunications-relay-service-trs. SUPPLEMENTARY INFORMATION: E:\FR\FM\30DEN1.SGM 30DEN1 ddrumheller on DSK120RN23PROD with NOTICES1 106552 Federal Register / Vol. 89, No. 249 / Monday, December 30, 2024 / Notices I. Background Homeowners and housing providers have experienced significant increases in property insurance premiums and deductibles in the past several years, along with reductions in insurance coverage, added requirements, and withdrawals of insurance companies from certain markets. Increased insurance costs and the unavailability of coverage are negatively impacting HUD’s program participants, including public housing authorities (PHAs), multifamily property owners, and Tribal communities, as well as borrowers of FHA insured mortgages. In July 2024, HUD convened an insurance summit to address challenges in the property insurance market. The insurance summit highlighted the need to increase property resilience to natural hazards, including extreme weather, and to clarify the relationship between resilience measures and costs to property owners, including the cost of insurance. Increasing insurance costs and lack of insurance availability pose unique challenges to HUD’s program participants. Unlike owners who provide market-rate housing, affordable housing providers generally cannot pass their insurance cost increases on to tenants through increased rents. Currently, some affordable housing properties faced with suddenly higher insurance costs report that they are coping in short-term ways, including reducing insurance coverage or cutting back on providing services or amenities to cut costs. Owners and PHAs have also reported that they may have to resort to delaying capital repairs or consider the sale of properties and further consolidation of their portfolios. Additionally, financing deals for the development of new properties are becoming more difficult to pencil out or close. Difficulty obtaining sufficient insurance coverage at a reasonable price also affects both new and existing FHA borrowers in all property types, including site-built single family, manufactured housing, and multifamily housing. For existing FHA borrowers, rising insurance costs increase monthly housing expenses, causing financial stress on the borrower and affecting their ability to maintain monthly mortgage payments. Some cash-strapped borrowers resort to canceling their insurance policies, taking them out of compliance with mortgage requirements and potentially affecting their ability to receive federal assistance in the case of a disaster. In many instances, companies simply are not renewing VerDate Sep<11>2014 23:58 Dec 27, 2024 Jkt 265001 existing insurance policies, leaving consumers searching for new, and often more expensive, policies that often provide less coverage. Additionally, the lack of affordable and available insurance coverage can also make it more challenging for individuals to sell their home. For potential borrowers, increasing insurance costs may limit affordable housing options or participation in the market altogether. These challenges are occurring at the same time the nation faces a housing supply shortage, and they could further decrease housing affordability and availability across the nation. Improving resilience measures for properties can reduce their damage from natural disasters and extreme weather, and, therefore, reduce costs to insurers. HUD’s insurance summit highlighted examples of state programs such as those in Alabama and Louisiana connecting resilience standards to reduced insurance costs. Following the summit, HUD is releasing this RFI to better understand the challenges facing property owners and determine what more HUD can be doing to promote and encourage resilience investments in communities and reduced insurance costs for property owners. II. Purpose of This Request for Information The purpose of this RFI is to solicit information regarding resilience measures to mitigate damage from natural hazards, including extreme weather, to allow HUD to develop policies that better support HUD’s program participants in increasing resilience and their ability to access affordable insurance coverage for their properties. III. Specific Information Requested While HUD welcomes all comments relevant to increasing resilience of HUDsupported housing and reducing insurance costs, HUD is particularly interested in receiving input from interested parties on the questions outlined below. Single Family and Multifamily Housing, Public Housing and Insurance Risk Pools Question for comment #1: What are the financial savings (e.g., insurance premiums or avoided casualty loss) and other benefits associated with modifications to existing single family or multifamily properties, including public housing, to mitigate damage from natural hazards or increase resilience in the event of a natural hazard? How do these savings compare to the costs associated with those modifications? PO 00000 Frm 00147 Fmt 4703 Sfmt 4703 Please list modifications and each of their damage mitigation benefits as well as financial and time costs. Distinguish by peril type (earthquake, hurricane, floods, hail, drought, wildfire, extreme heat, landslide, etc.) or geography as appropriate, as well as by building and construction type. Question for comment #2: What are the financial savings (e.g., insurance premiums or avoided casualty loss) and other benefits associated with building new construction properties with building and design features that mitigate damage from natural hazards or increase resilience in the event of a natural hazard? How do these savings compare to the costs associated with those features? Please list building and design features and each of their damage mitigation benefits as well as financial and time costs. Distinguish by peril type (earthquake, hurricane, floods, hail, drought, wildfire, extreme heat, landslide, etc.) or geography as appropriate, as well as by building and construction type. Question for comment #3: What data exist around the additional time or financial costs, if any, of rebuilding to or above code post-disaster instead of waiving requirements? Is there information on the longer-term costs (e.g., financial or damage-related) related to waiving building requirements when rebuilding postdisaster? Question for comment #4: Are there local or state statutes, regulations, or incentives that help property owners reduce costs or save on expenses, including insurance costs, when they invest in resilience (e.g., reduced insurance premiums, tax abatements, subsidies/discounts)? If possible, please provide data on how successful these measures have been in saving on expenses. Question for comment #5: Please identify any industry standards related to resilience that you have used or referenced in your work. If possible, please document where the standard has been applied, at what scale, and to what effect. Question for comment #6: Are there local, state, or regional outreach or education efforts that have been successful in helping homeowners and housing providers understand the direct and indirect benefits of investing in resilience measures? Question for comment #7: What data would be useful for insurers (including risk pools) and reinsurers on efforts to mitigate damage from natural hazards or increase resilience to natural hazards, such as housing elevations, home E:\FR\FM\30DEN1.SGM 30DEN1 Federal Register / Vol. 89, No. 249 / Monday, December 30, 2024 / Notices resilience upgrades, and infrastructure improvements? Tribal Communities Question for comment #8: What unique challenges do Tribal communities face when implementing housing resilience measures? How can HUD support Tribal communities in addressing these challenges? Question for comment #9: What partnerships between Tribal governments, local authorities, and other organizations exist to enhance housing resilience on Tribal lands? Are there ways in which these partnerships can be expanded or improved? Please explain and provide specific recommendations, successes, and challenges as well as any supporting data as applicable. Question for comment #10: How can Tribes or organizations in remote locations with limited options for resilience investments better access or incorporate resilience strategies, resources, or methods? What resources can HUD provide in partnership with groups in these areas? Question for comment #11: What Traditional Knowledge and Indigenous Knowledge about building practices can be integrated with modern resilience measures in tribal communities? Please explain and provide specific recommendations, as well as any supporting data. Manufactured Housing Question for comment #12: In addition to addressing manufactured housing in the above questions where relevant, how else can manufactured home resilience be enhanced during all types of natural disasters (e.g., hurricanes, floods, earthquakes, wildfires, or tornadoes)? Please provide relevant research as well as any supporting data as applicable. Solomon Greene, Principal Deputy Assistant Secretary. [FR Doc. 2024–30936 Filed 12–27–24; 8:45 am] BILLING CODE 4210–67–P DEPARTMENT OF THE INTERIOR Geological Survey ddrumheller on DSK120RN23PROD with NOTICES1 [GX25GK009970000] Public Meetings of the Advisory Committee on Landslides Geological Survey, Department of the Interior. ACTION: Notice of public meetings. AGENCY: In accordance with the Federal Advisory Committee Act SUMMARY: VerDate Sep<11>2014 23:58 Dec 27, 2024 Jkt 265001 (FACA) of 1972, the U.S. Geological Survey (USGS) is publishing this notice to announce that Federal Advisory Committee meetings of the Advisory Committee on Landslides (ACL) will take place and are open to members of the public. DATES: Meeting: The ACL will meet via web conference on Thursday, January 16, 2025, from 2:00 p.m. to 6:00 p.m. Eastern Standard Time.; and in-person on Tuesday, April 1, 2025, from 9:00 a.m. to 5:00 p.m. and Wednesday, April 2, 2025, from 9:00 a.m. to 1:00 p.m. Eastern Standard Time. Registration: Registration to attend or participate in the meetings is required. To register, please contact the Designated Federal Officer (DFO) (see FOR FURTHER INFORMATION CONTACT). ADDRESSES: The meeting on January 16, 2025, will be held via web conference. Meetings on April 1, 2025, and April 2, 2025, will be held in the Stewart Lee Udall Department of the Interior Building, 1849 C Street NW, Washington, District of Columbia, 20240. Members of the public may attend the meeting in-person or can attend via web conference. Please note admittance instructions under the SUPPLEMENTARY INFORMATION section of this notice. Comments can be sent to the DFO (see FOR FURTHER INFORMATION CONTACT). FOR FURTHER INFORMATION CONTACT: Mr. Jonathan Godt, Landslide Hazards Program Coordinator, Geological Hazards Science Center, USGS, by email at jgodt@usgs.gov; or by telephone at (303) 905–9468. Individuals in the United States who are deaf, blind, hard of hearing, or have a speech disability may dial 711 (TTY, TDD, or TeleBraille) to access telecommunications relay services. Individuals outside of the United States should use the relay services offered within their country to make international calls to the point-ofcontact in the United States. SUPPLEMENTARY INFORMATION: This meeting is being held under the provisions of the FACA of 1972 (5 U.S.C. ch. 10), the Government in the Sunshine Act of 1976 (5 U.S.C. 552b, as amended), and 41 CFR part 102–3. The ACL is composed of no fewer than 11 members, appointed by the Secretary of the Interior, who are selected for their established qualifications in landslide hazard and risk or related fields, records of distinguished service in their professional community, knowledge of issues affecting the National Landslide Hazards Reduction Program (NLHRP), PO 00000 Frm 00148 Fmt 4703 Sfmt 4703 106553 and to represent a cross-section of views and expertise, including a range of geographies and communities impacted by landslide hazards in the United States. Purpose of the Meeting: The ACL provides advice and recommendations to the Secretary of the Interior through the Interagency Coordinating Committee on Landslide Hazards on implementation of NLHRP. Additional information about the ACL is available at Advisory Committee on Landslides (ACL) | U.S. Geological Survey. The purpose of the meetings is for the ACL to establish its business; complete required ethics and FACA briefings; receive an overview of the USGS, the USGS Landslide Hazards Program, and the National Landslide Preparedness Act (Pub. L. 116–323); consider appointments of a Chair and Vice-Chair; and discuss agency activities under the NLHRP. Agendas may change to accommodate ACL business. Final agendas will be posted on the ACL website at Advisory Committee on Landslides (ACL) | U.S. Geological Survey. Members of the public wishing to participate in the web conference meeting should contact the DFO (see FOR FURTHER INFORMATION CONACT) at least three (3) business days prior to the meeting. After pre-registering, participants will be provided with instructions on how to join via web conference. Any member of the public wishing to attend the in-person meeting in person must pre-register to be admitted into the building. Please contact the DFO (see FOR FURTHER INFORMATION CONTACT) at least five (5) business days prior to the meeting. NonU.S. citizens may need to submit additional information. Seating for inperson attendees may be limited due to room capacity. Please note that federal agencies, including DOI, can only accept a state-issued driver’s license or identification card for access to federal facilities if such license or identification card is issued by a state that is compliant with the REAL ID Act of 2005 (Pub. L. 109–13), or by a state that has an extension for REAL ID compliance. DOI currently accepts other forms of federal-issued identification in lieu of a state-issued driver’s license. For detailed information please email Jonathan Godt (see FOR FURTHER INFORMATION CONTACT). Meeting Accessibility/Special Accommodations: Please make requests in advance for sign language interpreter services, assistive listening devices, language translation services, or other reasonable accommodations. We ask that you contact the DFO (see FOR E:\FR\FM\30DEN1.SGM 30DEN1

Agencies

[Federal Register Volume 89, Number 249 (Monday, December 30, 2024)]
[Notices]
[Pages 106551-106553]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2024-30936]


=======================================================================
-----------------------------------------------------------------------

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-6505-N-01]


Request for Information Regarding Resilience Measures and 
Insurance Coverage

AGENCY: Office of Policy Development and Research, Department of 
Housing and Urban Development (HUD).

ACTION: Request for information.

-----------------------------------------------------------------------

SUMMARY: Homeowners and housing providers have experienced significant 
increases in property insurance premiums and deductibles in the past 
several years, along with reductions in insurance coverage, added 
requirements, and withdrawals of insurance companies from certain 
markets. In July 2024, HUD convened an insurance summit to address 
challenges in the property insurance market. The insurance summit 
highlighted the need to increase property resilience to natural hazards 
and to clarify the relationship between resilience measures and costs 
to property owners, including the cost of insurance. Through this 
Request for Information (RFI), HUD seeks public input regarding how 
best to assess measures to increase the resilience of residential 
properties to natural hazards and extreme weather. This information 
will allow HUD to develop policies that better support HUD's program 
participants in increasing resilience to natural hazards, including 
extreme weather, and accessing affordable insurance for their 
properties.

DATES: Comment Due Date: February 28, 2025. Late-filed comments will be 
considered to the extent practicable.

ADDRESSES: Interested persons are invited to submit comments responsive 
to this RFI. All submissions must refer to the docket number and title 
of the RFI. Commenters are encouraged to identify the number of the 
specific question or questions to which they are responding. Responses 
should include the name(s) of the person(s) or organization(s) filing 
the comment; however, because any responses received by HUD will be 
publicly available, responses should not include any personally 
identifiable information or confidential commercial information.
    There are two methods for submitting public comments.
    1. Electronic Submission of Comments. Interested persons may submit 
comments electronically through the Federal eRulemaking Portal at 
https://www.regulations.gov.
    2. Submission of Comments by Mail. Comments may be submitted by 
mail to the Regulations Division, Office of General Counsel, Department 
of Housing and Urban Development, 451 7th Street SW, Room 10276, 
Washington, DC 20410-0500. HUD strongly encourages commenters to submit 
their feedback and recommendations electronically. Electronic 
submission of comments allows the commenter maximum time to prepare and 
submit a response, ensures timely receipt by HUD, and enables HUD to 
make comments immediately available to the public. Comments submitted 
electronically through the https://www.regulations.gov website can be 
viewed by other commenters and interested members of the public. 
Commenters should follow the instructions provided on that site to 
submit comments electronically.

    Note: To receive consideration as public comments, comments must 
be submitted through one of the two methods specified above. Again, 
all submissions must refer to the docket number and title of the 
notice.

    No Facsimile Comments. Facsimile (FAX) comments are not acceptable.
    Public Inspection of Public Comments. All comments and 
communications properly submitted to HUD will be available for public 
inspection and copying between 8 a.m. and 5 p.m. weekdays at the above 
address. Due to security measures at the HUD Headquarters building, an 
advance appointment to review the public comments must be scheduled by 
calling the Regulations Division at (202) 708-3055 (this is not a toll-
free number). HUD welcomes and is prepared to receive calls from 
individuals who are deaf or hard of hearing, as well as from 
individuals with speech or communication disabilities. To learn more 
about how to make an accessible telephone call, please visit https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs.

FOR FURTHER INFORMATION CONTACT: Todd Richardson, General Deputy 
Assistant Secretary, Office of Policy Development and Research, 
Department of Housing and Urban Development, 451 7th Street SW, Room 
8100, Washington, DC 20410-0500; telephone number 202-402-5706 (this is 
not a toll-free number). HUD welcomes and is prepared to receive calls 
from individuals who are deaf or hard of hearing, as well as 
individuals with speech or communication disabilities. To learn more 
about how to make an accessible telephone call, please visit https://www.fcc.gov/consumers/guides/telecommunications-relay-service-trs.

SUPPLEMENTARY INFORMATION:

[[Page 106552]]

I. Background

    Homeowners and housing providers have experienced significant 
increases in property insurance premiums and deductibles in the past 
several years, along with reductions in insurance coverage, added 
requirements, and withdrawals of insurance companies from certain 
markets. Increased insurance costs and the unavailability of coverage 
are negatively impacting HUD's program participants, including public 
housing authorities (PHAs), multifamily property owners, and Tribal 
communities, as well as borrowers of FHA insured mortgages. In July 
2024, HUD convened an insurance summit to address challenges in the 
property insurance market. The insurance summit highlighted the need to 
increase property resilience to natural hazards, including extreme 
weather, and to clarify the relationship between resilience measures 
and costs to property owners, including the cost of insurance.
    Increasing insurance costs and lack of insurance availability pose 
unique challenges to HUD's program participants. Unlike owners who 
provide market-rate housing, affordable housing providers generally 
cannot pass their insurance cost increases on to tenants through 
increased rents. Currently, some affordable housing properties faced 
with suddenly higher insurance costs report that they are coping in 
short-term ways, including reducing insurance coverage or cutting back 
on providing services or amenities to cut costs. Owners and PHAs have 
also reported that they may have to resort to delaying capital repairs 
or consider the sale of properties and further consolidation of their 
portfolios. Additionally, financing deals for the development of new 
properties are becoming more difficult to pencil out or close.
    Difficulty obtaining sufficient insurance coverage at a reasonable 
price also affects both new and existing FHA borrowers in all property 
types, including site-built single family, manufactured housing, and 
multifamily housing. For existing FHA borrowers, rising insurance costs 
increase monthly housing expenses, causing financial stress on the 
borrower and affecting their ability to maintain monthly mortgage 
payments. Some cash-strapped borrowers resort to canceling their 
insurance policies, taking them out of compliance with mortgage 
requirements and potentially affecting their ability to receive federal 
assistance in the case of a disaster. In many instances, companies 
simply are not renewing existing insurance policies, leaving consumers 
searching for new, and often more expensive, policies that often 
provide less coverage. Additionally, the lack of affordable and 
available insurance coverage can also make it more challenging for 
individuals to sell their home. For potential borrowers, increasing 
insurance costs may limit affordable housing options or participation 
in the market altogether.
    These challenges are occurring at the same time the nation faces a 
housing supply shortage, and they could further decrease housing 
affordability and availability across the nation.
    Improving resilience measures for properties can reduce their 
damage from natural disasters and extreme weather, and, therefore, 
reduce costs to insurers. HUD's insurance summit highlighted examples 
of state programs such as those in Alabama and Louisiana connecting 
resilience standards to reduced insurance costs. Following the summit, 
HUD is releasing this RFI to better understand the challenges facing 
property owners and determine what more HUD can be doing to promote and 
encourage resilience investments in communities and reduced insurance 
costs for property owners.

II. Purpose of This Request for Information

    The purpose of this RFI is to solicit information regarding 
resilience measures to mitigate damage from natural hazards, including 
extreme weather, to allow HUD to develop policies that better support 
HUD's program participants in increasing resilience and their ability 
to access affordable insurance coverage for their properties.

III. Specific Information Requested

    While HUD welcomes all comments relevant to increasing resilience 
of HUD-supported housing and reducing insurance costs, HUD is 
particularly interested in receiving input from interested parties on 
the questions outlined below.

Single Family and Multifamily Housing, Public Housing and Insurance 
Risk Pools

    Question for comment #1: What are the financial savings (e.g., 
insurance premiums or avoided casualty loss) and other benefits 
associated with modifications to existing single family or multifamily 
properties, including public housing, to mitigate damage from natural 
hazards or increase resilience in the event of a natural hazard? How do 
these savings compare to the costs associated with those modifications? 
Please list modifications and each of their damage mitigation benefits 
as well as financial and time costs. Distinguish by peril type 
(earthquake, hurricane, floods, hail, drought, wildfire, extreme heat, 
landslide, etc.) or geography as appropriate, as well as by building 
and construction type.
    Question for comment #2: What are the financial savings (e.g., 
insurance premiums or avoided casualty loss) and other benefits 
associated with building new construction properties with building and 
design features that mitigate damage from natural hazards or increase 
resilience in the event of a natural hazard? How do these savings 
compare to the costs associated with those features? Please list 
building and design features and each of their damage mitigation 
benefits as well as financial and time costs. Distinguish by peril type 
(earthquake, hurricane, floods, hail, drought, wildfire, extreme heat, 
landslide, etc.) or geography as appropriate, as well as by building 
and construction type.
    Question for comment #3: What data exist around the additional time 
or financial costs, if any, of rebuilding to or above code post-
disaster instead of waiving requirements? Is there information on the 
longer-term costs (e.g., financial or damage-related) related to 
waiving building requirements when rebuilding post-disaster?
    Question for comment #4: Are there local or state statutes, 
regulations, or incentives that help property owners reduce costs or 
save on expenses, including insurance costs, when they invest in 
resilience (e.g., reduced insurance premiums, tax abatements, 
subsidies/discounts)? If possible, please provide data on how 
successful these measures have been in saving on expenses.
    Question for comment #5: Please identify any industry standards 
related to resilience that you have used or referenced in your work. If 
possible, please document where the standard has been applied, at what 
scale, and to what effect.
    Question for comment #6: Are there local, state, or regional 
outreach or education efforts that have been successful in helping 
homeowners and housing providers understand the direct and indirect 
benefits of investing in resilience measures?
    Question for comment #7: What data would be useful for insurers 
(including risk pools) and reinsurers on efforts to mitigate damage 
from natural hazards or increase resilience to natural hazards, such as 
housing elevations, home

[[Page 106553]]

resilience upgrades, and infrastructure improvements?

Tribal Communities

    Question for comment #8: What unique challenges do Tribal 
communities face when implementing housing resilience measures? How can 
HUD support Tribal communities in addressing these challenges?
    Question for comment #9: What partnerships between Tribal 
governments, local authorities, and other organizations exist to 
enhance housing resilience on Tribal lands? Are there ways in which 
these partnerships can be expanded or improved? Please explain and 
provide specific recommendations, successes, and challenges as well as 
any supporting data as applicable.
    Question for comment #10: How can Tribes or organizations in remote 
locations with limited options for resilience investments better access 
or incorporate resilience strategies, resources, or methods? What 
resources can HUD provide in partnership with groups in these areas?
    Question for comment #11: What Traditional Knowledge and Indigenous 
Knowledge about building practices can be integrated with modern 
resilience measures in tribal communities? Please explain and provide 
specific recommendations, as well as any supporting data.

Manufactured Housing

    Question for comment #12: In addition to addressing manufactured 
housing in the above questions where relevant, how else can 
manufactured home resilience be enhanced during all types of natural 
disasters (e.g., hurricanes, floods, earthquakes, wildfires, or 
tornadoes)? Please provide relevant research as well as any supporting 
data as applicable.

Solomon Greene,
Principal Deputy Assistant Secretary.
[FR Doc. 2024-30936 Filed 12-27-24; 8:45 am]
BILLING CODE 4210-67-P
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