For sure insurance companies have a chance to act as a forcing function to drive better building codes, fuel management, etc. Those are hard things, especially for existing homes, but it's a simpler calculation for a homeowner to put $100k into a retrofit of it will save them $10k a year in insurance...
I've always wondered if insurance companies do this but maybe I never hear about it. Like lobbying for safer urban design, or R&D into flame resistant building materials etc. Or maybe just purely investing in companies that do those sorts of things.
