FM’s findings show that while many businesses recognise the threats, actions remain incomplete. Only 23% of companies reported fully selecting and installing equipment based on resilience to extreme weather, even though brokers placed it among the most impactful measures. Similarly, just 20% redesigned interiors to ensure the safe flow of floodwater, despite 61% of brokers recommending it. Cost continues to be a constraint. Among risk decision-makers, 44% said premiums are too high to secure full insurance coverage. On average, they expect insurance to cover only half of potential losses from extreme weather. Brokers were more sceptical, estimating closer to 40%.