Houses intact after Hurricane Michael were often saved by low-cost reinforcements

Most insurance companies avoid insuring poor farmers because the transaction costs are too high, but a non-profit in Kenya created a sustainable way to cover them.

Neighborhood Trust is a New York-based nonprofit offering financial advice to individuals experiencing economic hardships. Providing hands-on coaching, counselors are able to inform their clients about financial options they may have otherwise not known about like college financial aid or child care tax credits.

With more and more Americans having to pay medical costs out of pocket, a small company out of Philadelphia called ELAP is on the front lines of the war against escalating charges. By helping overwhelmed patients to de-mystify and negotiate medical bills, they are ensuring patients get the best value and avoid egregious financial distress.

While billions of taxpayer dollars are allocated each year to support shelters and social service initiatives, homelessness remains a persistent problem in the U.S. - in 2013, an estimated 610,000 people slept without shelter every night. All over the country, people are building "tiny homes" to give to the homeless, providing them with shelter, a bathroom, and a kitchen for less then the cost of a shelter.

In the wake of Hurricane Sandy, necessity has bred an interesting kind of financial invention for the New York MTA: the world’s first “catastrophe” bond - a reinsurance for the insurer - designed to protect public transportation infrastructure, specifically against storm surge. These bonds privatize risk for public gain, creating a kind of tool that may protect economic development against all kinds of natural and man-made disasters around the world.

A cholera epidemic can kill many people or few people—it all depends on the expertise of the doctors and their access to the right equipment. A program in Dhaka rushes both to countries when an epidemic is just breaking out.

In a country of limited resources — and perhaps for that very reason — preparing for natural disasters is top of the agenda in Bangladesh. Various grassroots, collaborative programs have been put in place over the years to help address many facets of the calamities caused by cyclones, from improved emergency shelters to long-term support for those who lose their livelihoods in the storms.

Summer in the Northwest presents a great risk of wildfires. A pile burning operation, just one facet of the strategy that Oregon has enacted to conserve its forests, clears undergrowth to lessen the risk of mega-fire. The work stimulates the local economy and provides employment, but it's also a very small part of what needs to be done.

The 2004 tsunami that hit Asia caused significant damage in the islands of the Seychelles, destroying roads, homes, and shoreline. A teacher determined to restore her home through tangible action took a lead role in helping her students take conservation into their own hands by working to restore the mangroves that can protect their island from future storms.

After the drought hit Australia in the early 2000s, city officials had to start thinking seriously about ways to conserve and creatively store their water. External tanks became the solution, storing rain runoff to create an available source of water for Melbourne residents. This solution may not fit every location, but there are other teachable lessons such as taking radically shorter showers.