Communities invest in resilience — wildfire mitigation, coastal protection, residential hardening — but rarely see those investments reflected in how insurers underwrite. Insurers, in turn, lack the ground truth they need to keep writing coverage in climate-impacted regions. Information runs in one direction at a time, and the market and the community lose track of each other. Insurance becomes harder to access. Resilience investment loses its market signal. Communities and carriers both pay the price.