Three Data-Driven Solutions to Help Restaurants Better Weather Climate Storms

There’s no question. The hospitality business is under the weather. Literally. 

Weather related risk is worsening. In 2025’s first half, 14 separate billion dollar weather disasters – ranging from hurricanes to floods to wildfires and extreme heat – racked up $101.4 billion in damages. Location-driven businesses like hotels, resorts and restaurants are among the most vulnerable. 

Independent restaurants are particularly at risk. They account for almost 70 percent of the restaurant sector; 60 percent in regions most prone to disasters have been hit with direct financial losses in the last 12 months alone.  

The damage is compounded as guest traffic post-disaster drops off. For example, the January Palisades Fire in southern California caused $61 billion in damages. Restaurants that survived saw business drop 50 percent or more, and the fire’s broader economic impacts are behind a steady stream of permanent closures 10 months later.

Traditional insurance coverage by…