For a family, having a place to call home is everything. Housing tends to be a family’s most important asset – often, in fact, their only asset, especially for the poor. But more than a home, housing is also the workplace, collateral for loans and an important vehicle for job creation. In the U.S., housing contributes more than 15% of the GDP.
The dream of housing, however, can quickly turn into a nightmare – for both families and for governments. Disasters can erase decades of progress in reform and poverty reduction in a matter of seconds, hurting the poor and vulnerable the most. A review of the World Bank’s Post-Disaster Needs Assessments (PDNAs) since 2000 shows that housing comprises 40%-90% of damages to private property.
At the World Bank, our efforts to “build back better” aim to reduce annual disaster-related losses by up to 60%. We are proud of how our global disaster risk management efforts continue to deliver life-changing impact, protection, and peace of mind to the people who need it the most in countries as diverse as Dominica, Indonesia, and India.
But the dimension of the global resilient housing challenge is so large that we must be even more innovative. And we can – not only through resilient building codes, planning regulations and safe production of new housing, but, importantly, through improving the existing housing stock before the next earthquake or hurricane.
In other words, we want to “build better before” the next disaster.
Fortunately, All over the developing world, poor families faced with dysfunctional land and housing markets find themselves priced out of range of formal housing production. Thus, the poor find themselves with no option but to trade livability for opportunity – by living in flood-prone, landslide-prone or other at-risk areas for access to jobs and services. They end up building their own homes, which could be substandard and often not aligned with building and planning codes, but in many cases could withstand an earthquake or hurricane with a few small improvements.
Yet, government efforts to make existing homes safer are almost non-existent, even in places where slum and urban upgrading programs exist.
Typically, housing budgets in developing countries focus on expanding new housing and mortgage markets for the middle class, rather than improving the poor majority’s existing housing. This is not due to a lack of awareness or political will. Governments at times do not have the knowledge they need to take advantage of the retrofitting option; nor are there policies and incentives in place to start making homes safer at scale. In other situations, governments may not want to be perceived as “investing in slums” or “promoters of informality.”
In response, the with:
Technology to locate, quantify, value, diagnose, and prescribe retrofit solutions for homes before the next disaster strikes
- This used to take months, dozens of staff, and a big budget. But, thanks to recent advances in “machine learning,” homes that need to be strengthened can be mapped with just three things: a car-mounted camera, a drone, and a laptop. Generated rapidly and inexpensively, the resulting housing passports contain all the basic information about a dwelling’s vulnerabilities.
- Technical expertise to identify simple, affordable retrofitting solutions compatible with local practices and materials
Know-how to design policies and incentives
- First, to help governments put resilience at the center of their housing subsidy efforts, and connect them to existing programs, such as slum upgrading, social cash transfers or property regularization;
- Second, to shine a light on opportunities for private sector participation in home improvement credit or insurance markets.
The next year, the Ralosos decided to rebuild and retrofit. Just over one year later, another typhoon hit the Philippines. This time, the family rode out the storm in their disaster-resilient house — along with 17 of their neighbors who took shelter there.
With the Global Program for Resilient Housing, we look forward to working with our partners and countries around the world — so we can help turn tragedy into triumph.
WATCH TO LEARN MORE
- Presentation: Housing Policies That Save (and Improve) Lives, Protect Assets, and Shield Economies
- Blog post: Making homes safer to build resilient cities
- Blog post: To build resilient cities, we must treat substandard housing as a life-or-death emergency
- Blog post: A housing policy that could almost pay for itself? Think retrofitting
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