NPR

Step 1: Build A House. Step 2: Set It On Fire

After back-to-back hurricanes and wildfires, insurers are looking for more-resilient construction materials. That means building model homes and then blowing off their roofs or setting them on fire.

An hour south of Charlotte, N.C., two forks in the road beyond suburbia, a freshly constructed house sits in a wind tunnel waiting to be set on fire.

To the left of the house is a brick wall with a hole in the middle, made by a 2-by-4 propelled at 70 miles per hour.

In front of the house is a metal staircase five stories tall. At the top are the hail guns.

More than 100 fans begin to turn, slowly at first and then faster. The ember generators flicker on. The fire is about to begin.

The past two years have been particularly costly for insurance companies that are on the hook for billions of dollars in damage done by hurricanes, , floods, insurers are investing more in this research facility that studies how to protect homes and businesses from destructive wind, water and embers.

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