Insurance premiums jumped again this year, and developers are feeling it. But the most significant savings still come from one move: choosing a lower-risk building system.
Why Insurance Costs Are Spiking
Most developers expect higher premiums in wildfire or hurricane-prone regions.
But recent reports show something unexpected:
- The Midwest has seen the most property losses over the last two years, due to tornadoes and lightning strikes that heavily impact wood-framed construction.1
What This Means For Your Project
Material Choice = Insurance Cost
Builder’s-risk insurance is tied directly to risk, and structural materials play a big role.
Developers who switch to non-combustible framing see immediate insurance benefits—sometimes enough to close financial gaps in today’s challenging lending environment.
Quick Answers For Developers
What developers ask us most about insurance and materials
Slightly higher build costs often lead to massive long-term savings. 
Ready To Find Your Savings?
Even a slight change in the structure can lower your insurance burden. If you’d like to compare wood vs. non-combustible options for your project, we can help you evaluate the difference.
Thank you,
Blair Hildahl
BASE4 Principal
608.304.5228
BlairH@base-4.com
