The Bridge
3 innovative ways to help countries hit by climate disasters, beyond a loss and damage fund
Erin Coughlan de Perez, Tufts University
These days, it’s hard to escape news stories discussing how climate change is contributing to extreme weather disasters, including the recent U.S. hurricanes. Aid agencies are increasingly worried about the widespread damage.
A growing question as these disasters worsen in a warming world is how to pay for recoveries, particularly in poorer countries that have contributed the least to climate change.
I am a climate scientist who researches disasters, and I work with disaster managers on solutions to deal with the increasing risk of extreme events. The usual sources of disaster aid funding haven’t come close to meeting the need in hard-hit countries in recent years. So, groups are developing new ways to meet the need more effectively. In some cases, they are getting aid to countries before the damage occurs.
Disaster aid funds aren’t meeting growing need
Countries have a few ways that they typically send money and aid to other countries that need help when disasters hit. They can send direct government-to-government aid, contribute to aid coordinated by the United Nations, or support disaster response efforts by groups like the International Red Cross and Red Crescent Movement.
However, the support from these systems is almost never enough.
In 2023, the amount of humanitarian funding through the U.N. was about US$22 billion. The U.N. Office for the Coordination of Humanitarian Affairs estimated that countries hit hard by disasters actually needed about $57 billion in U.N. humanitarian aid. This does not even include the costs borne directly by disaster-affected people and their governments.
https://datawrapper.dwcdn.net/LO7Uw/1
To help address damages specifically from climate change, the global community agreed at the U.N. climate conference in 2022 to create a new method – a Loss and Damage Fund. Loss and damage is generally defined as consequences of climate change that go beyond what people are able to adapt to.
The goal of the fund is for countries that historically have done the most to cause climate change to provide funding to other countries that did little to cause it yet are experiencing increasing climate-related disasters.
https://datawrapper.dwcdn.net/S1jUD/1
So far, however, the Loss and Damage Fund is tiny compared to the cost of climate-related disasters. As of late September 2024, total pledges to the Loss and Damage Fund were about US$700 million. According to one estimate, the costs directly attributable to climate change, including loss of life, are over $100 billion per year.
One goal of the 2024 U.N. climate conference, underway Nov. 11-22 in Azerbaijan, is to increase those contributions.
Sending aid before the disasters hit
In response to these growing needs, the disaster management community is getting creative about how it helps countries finance disaster risk reduction and response.
Traditionally, humanitarian funding arrives after a disaster happens, when photos and videos of the horrible event encourage governments to contribute financial support and a needs assessment has been completed.
However, with today’s technology, it’s possible to forecast many climate-related disasters before they happen, and there is no reason for the humanitarian system to wait to respond until after the disaster happens.
A global network of aid groups and researchers I work with has been developing anticipatory action systems designed to make funding available to countries when an extreme event is forecast but before the disaster hits.
This can allow countries to provide cash for people to use for evacuation when a flood is forecast, open extra medical services when a heat wave is expected, or distribute drought-tolerant seeds when a drought is forecast, for example.
Insurance that pays out early to avoid harm
Groups are also developing novel forms of insurance that can provide predictable finance for these changing catastrophes.
Traditional insurance can be expensive and slow to assess individual claims. One solution is “index insurance” that pays out based on drought information without needing to wait to assess the actual losses.
African nations created an anticipatory drought insurance product that can pay out when the drought starts happening, without waiting for the end of the season to come and the crops to fail. This could, in theory, allow farmers to replant with a drought-resilient crop in time to avoid a failed harvest.
Without insurance, disaster-affected people usually bear the costs of disaster. Therefore, experts recommend insurance as a critical part of an overall strategy for climate change adaptation.
Boosting social protection systems
Another promising area of innovation is the design of social services that can scale up when needed for extreme weather events.
These are called climate-smart social protection systems. For example, existing programs that provide food for low-income families can be scaled up during and after a drought to ensure that people have sufficient and nutritious food during the climate shock.
This requires government coordination among the variety of social services offered, and it offers promise to support vulnerable communities in the face of the rising number of extreme weather events.
Future of the Loss and Damage Fund
To complement these innovative disaster risk finance mechanisms, aid from other countries is crucial, and the Loss and Damage Fund is a key part of that.
There are still many areas of debate around the U.N.’s Loss and Damage Fund and what counts as true financial support. There have been discussions over whether investing in a country’s resilience to future disasters counts, whether existing financial systems should be used to channel finance to countries in need, and what damages are truly beyond the limits to adaptation and qualify.
The new Loss and Damage Fund is only of a part of a mosaic of initiatives that is seeking to address climate disasters.
These novel mechanisms to finance disaster risk are exciting, but they ultimately need to be created in conjunction with investments in adaptation and resilience so that extreme weather events cause less damage when they happen. Communities will need to plant different crops, build flood drainage systems and live in adaptive buildings. Managing climate risk requires a variety of innovative solutions before, during and after disaster events.
Erin Coughlan de Perez, Professor of Climate Risk Management, Tufts University
This article is republished from The Conversation under a Creative Commons license. Read the original article.
The Bridge is a section of the STM Daily News Blog meant for diversity, offering real news stories about bona fide community efforts to perpetuate a greater good. The purpose of The Bridge is to connect the divides that separate us, fostering understanding and empathy among different groups. By highlighting positive initiatives and inspirational actions, The Bridge aims to create a sense of unity and shared purpose. This section brings to light stories of individuals and organizations working tirelessly to promote inclusivity, equality, and mutual respect. Through these narratives, readers are encouraged to appreciate the richness of diverse perspectives and to participate actively in building stronger, more cohesive communities.
https://stmdailynews.com/the-bridge
Urbanism
The Building That Proved Los Angeles Could Go Vertical
Los Angeles once banned skyscrapers, yet City Hall broke the height limit and proved high-rise buildings could be engineered safely in an earthquake zone.
How City Hall Quietly Undermined LA’s Own Height Limits
The Knowledge Series | STM Daily News
For more than half a century, Los Angeles enforced one of the strictest building height limits in the United States. Beginning in 1905, most buildings were capped at 150 feet, shaping a city that grew outward rather than upward.
The goal was clear: avoid the congestion, shadows, and fire dangers associated with dense Eastern cities. Los Angeles sold itself as open, sunlit, and horizontal — a place where growth spread across land, not into the sky.
And yet, in 1928, Los Angeles City Hall rose to 454 feet, towering over the city like a contradiction in concrete.
It wasn’t built to spark a commercial skyscraper boom.
But it ended up proving that Los Angeles could safely build one.
A Rule Designed to Prevent a Manhattan-Style City
The original height restriction was rooted in early 20th-century fears:
- Limited firefighting capabilities
- Concerns over blocked sunlight and airflow
- Anxiety about congestion and overcrowding
- A strong desire not to resemble New York or Chicago
Los Angeles wanted prosperity — just not vertical density.
The height cap reinforced a development model where:
- Office districts stayed low-rise
- Growth moved outward
- Automobiles became essential
- Downtown never consolidated into a dense core
This philosophy held firm even as other American cities raced upward.
Why City Hall Was Never Meant to Change the Rules
City Hall was intentionally exempt from the height limit because the law applied primarily to private commercial buildings, not civic monuments.
But city leaders were explicit about one thing:
City Hall was not a precedent.
It was designed to:
- Serve as a symbolic seat of government
- Stand alone as a civic landmark
- Represent stability, authority, and modern governance
- Avoid competing with private office buildings
In effect, Los Angeles wanted a skyline icon — without a skyline.
Innovation Hidden in Plain Sight
What made City Hall truly significant wasn’t just its height — it was how it was built.
At a time when seismic science was still developing, City Hall incorporated advanced structural ideas for its era:
- A steel-frame skeleton designed for flexibility
- Reinforced concrete shear walls for lateral strength
- A tapered tower to reduce wind and seismic stress
- Thick structural cores that distributed force instead of resisting it rigidly
These choices weren’t about aesthetics — they were about survival.
The Earthquake That Changed the Conversation
In 1933, the Long Beach earthquake struck Southern California, causing widespread damage and reshaping building codes statewide.
Los Angeles City Hall survived with minimal structural damage.
This moment quietly reshaped the debate:
- A tall building had endured a major earthquake
- Structural engineering had proven effective
- Height alone was no longer the enemy — poor design was
City Hall didn’t just survive — it validated a new approach to vertical construction in seismic regions.
Proof Without Permission
Despite this success, Los Angeles did not rush to repeal its height limits.
Cultural resistance to density remained strong, and developers continued to build outward rather than upward. But the technical argument had already been settled.
City Hall stood as living proof that:
- High-rise buildings could be engineered safely in Los Angeles
- Earthquakes were a challenge, not a barrier
- Fire, structural, and seismic risks could be managed
The height restriction was no longer about safety — it was about philosophy.
The Ironic Legacy
When Los Angeles finally lifted its height limit in 1957, the city did not suddenly erupt into skyscrapers. The habit of building outward was already deeply entrenched.
The result:
- A skyline that arrived decades late
- Uneven density across the region
- Multiple business centers instead of one core
- Housing and transit challenges baked into the city’s growth pattern
City Hall never triggered a skyscraper boom — but it quietly made one possible.
Why This Still Matters
Today, Los Angeles continues to wrestle with:
- Housing shortages
- Transit-oriented development debates
- Height and zoning battles near rail corridors
- Resistance to density in a growing city
These debates didn’t begin recently.
They trace back to a single contradiction: a city that banned tall buildings — while proving they could be built safely all along.
Los Angeles City Hall wasn’t just a monument.
It was a test case — and it passed.
Further Reading & Sources
- Los Angeles Department of City Planning – History of Urban Planning in LA
- Los Angeles Conservancy – History & Architecture of LA City Hall
- Water and Power Associates – Early Los Angeles Buildings & Height Limits
- USGS – How Buildings Are Designed to Withstand Earthquakes
- Los Angeles Department of Building and Safety – Building Code History
More from The Knowledge Series on STM Daily News
small business
When TV Talks About Gentrification and Shopping Local — and Where It Gets It Right (and Wrong)
A closer look at how the TV show The Neighborhood tackles gentrification and shopping local—and where the reality of online sales and small business survival is more complex.
In our continuing look at how entertainment—television, movies, and streaming shows—grapples with real-world issues, this time we turn our attention to gentrification and the often-repeated call to “shop local.” Once again, we examine how popular culture frames these conversations, this time through the CBS sitcom The Neighborhood and the episode “Welcome Back to What Used to Be the Neighborhood.”
A Familiar Story: When the Neighborhood Changes
In the episode, Calvin’s favorite longtime restaurant closes its doors and is replaced by a flashy new pet spa. To Calvin, the change symbolizes something much bigger than a single business closing—it represents the slow erosion of the neighborhood he knows and loves. In response, he launches a campaign urging friends and neighbors to buy local in order to protect small businesses from disappearing.
Emotionally, the episode hits home. Many communities across the country have watched beloved neighborhood institutions vanish, replaced by businesses that feel disconnected from the area’s history and culture. In that sense, The Neighborhood gets something very right: gentrification often shows up one storefront at a time.
Where Television Simplifies a Complicated Reality
But, as is often the case with television, the episode also simplifies a much more complex economic reality.
The show frames “shopping local” as a direct alternative to shopping online, subtly suggesting that online platforms are inherently harmful to small businesses. In real life, however, the line between “local” and “online” is no longer so clear.
Many local and small businesses now survive precisely because they sell online—through their own websites, through Amazon, or through other platforms that support independent sellers. For some, online sales are not a threat to local commerce; they are a lifeline.
Why Brick-and-Mortar Isn’t Always Sustainable
Rising costs are a major factor driving these changes. Commercial leases, insurance premiums, utilities, staffing costs, and local fees have all increased dramatically in many cities. For small business owners, keeping a physical storefront open can become financially impossible—even when customer support remains strong.
As a result, some businesses choose to close their brick-and-mortar locations while continuing to operate online. Others scale back to pop-ups, shared spaces, or hybrid models. These businesses may no longer have a traditional storefront, but they are still local—employing local workers, paying local taxes, and serving their communities in new ways.
The Real Issue Behind “Shop Local”
Where The Neighborhood succeeds is in capturing the emotional truth of gentrification: the sense of loss, displacement, and cultural change that comes with rising rents and shifting demographics.
Where it misses the mark is in suggesting that consumer choices alone—simply avoiding online shopping—can solve the problem.
The real challenges facing local and small businesses go far beyond individual buying habits. They include zoning policies, commercial rent practices, corporate consolidation, and economic systems that increasingly favor scale over community presence.
A Conversation Worth Having—Even If TV Can’t Finish It
The Neighborhood deserves credit for bringing these issues into mainstream conversation. It sparks discussion, even if it wraps a complicated topic in a sitcom-friendly moral lesson.
The reality is messier. Supporting local businesses today often means rethinking what “local” looks like in a digital economy—and recognizing that survival sometimes requires adaptation, not nostalgia.
Further Reading & External Resources
- U.S. Small Business Administration: Marketing & Online Sales for Small Businesses
Explains how small businesses use websites, marketplaces, and digital tools to survive and grow. - Brookings Institution: Understanding Gentrification
A research-based overview of gentrification, its causes, and its impact on local communities. - National Main Street Center: Supporting Local Small Businesses
Resources focused on preserving local businesses while adapting to economic change. - SCORE: Why Going Online Is Critical for Small Business Survival
Mentorship-backed guidance on how digital sales help small businesses remain competitive. - Harvard Business Review: How Small Businesses Can Compete in an Online Economy
An analysis of how independent businesses adapt to large online platforms without losing identity.
At STM Daily News, our Local and Small Business coverage continues to explore these real-world dynamics beyond the TV screen, highlighting the challenges, innovations, and resilience of the businesses that keep communities alive—whether their doors are on Main Street or their storefronts live online.
📍 Read more Local and Small Business coverage at: STM Daily News
Author
The Knowledge
Metro Board Advances Sepulveda Transit Corridor as C Line South Bay Extension Remains Under Review
The Los Angeles Metro Board meeting addressed progress on two key rail projects: the approved underground Sepulveda Transit Corridor, enhancing regional connectivity, and the debated extension of the Metro C Line into the South Bay, which remains undecided.
The future of Los Angeles transit was the focus of a recent Los Angeles County Metropolitan Transportation Authority (Metro) Board meeting, where directors considered progress on two major rail projects: the Sepulveda Transit Corridor and the long-planned extension of the Metro C Line into the South Bay.
While the meeting resulted in a decisive vote on one project, the other continues to generate debate among Metro officials, local cities, and residents.
Sepulveda Transit Corridor: Underground Heavy Rail Moves Forward
The Metro Board unanimously approved the Locally Preferred Alternative (LPA) for the Sepulveda Transit Corridor, marking a major milestone for a project that has been discussed for decades.
The approved alternative calls for a fully underground heavy rail subway connecting the San Fernando Valley to the Westside, running from the Van Nuys Metrolink Station to the Metro E Line’s Expo/Sepulveda Station. The line would pass beneath the Sepulveda Pass, UCLA, and other high-demand travel areas.
Metro officials emphasized that the underground alignment offers the fastest travel times, highest passenger capacity, and the fewest surface-level impacts when compared with earlier aerial or monorail alternatives. The project is expected to significantly reduce congestion along the 405 Freeway corridor and improve regional connectivity.
With the LPA now selected, the Sepulveda Transit Corridor advances toward final environmental clearance, engineering, and eventual construction — a process that will continue over the coming years.
Metro C Line Extension: South Bay Alignment Debate Continues
The Board also discussed the Metro C Line extension into the South Bay, a project intended to extend light rail service approximately 4.5 miles from the current Redondo Beach station to the Torrance Transit Center.
Metro has released the project’s Final Environmental Impact Report (FEIR), which incorporates years of technical analysis and public input. However, unlike the Sepulveda project, the Board did not take final action to certify the FEIR or formally adopt a locally preferred alignment at this meeting.
Hawthorne Boulevard vs. Metro Right-of-Way
At the center of the C Line discussion is the question of alignment.
Metro staff has identified a “hybrid” alignment using an existing Metro-owned rail right-of-way as the preferred option. This route would largely follow the historic Harbor Subdivision corridor, minimizing new street disruptions while blending at-grade, elevated, and below-grade segments.
Some South Bay cities, however, continue to advocate for a Hawthorne Boulevard alignment, which would place rail tracks within the median of the busy commercial corridor. Supporters argue it offers better street-level access, while Metro has cited higher costs, longer construction timelines, and greater traffic impacts as key concerns.
Metro officials indicated that additional coordination with local jurisdictions and further Board action will be needed before a final decision is made.
What This Means for LA Transit
The contrast between the two projects was clear at the meeting: the Sepulveda Transit Corridor is now firmly on a defined path forward, while the C Line extension remains in a critical decision-making phase.
Together, the projects highlight both the ambition and complexity of expanding transit in Los Angeles County — balancing regional mobility goals, neighborhood impacts, and long-term funding realities.
Further Reading & Official Project Information
Metro Sepulveda Transit Corridor Project Page
– Official Metro overview of the Sepulveda Pass project, including alternatives, maps, timelines, and environmental documents.
Metro Board Considers Locally Preferred Alternative for Sepulveda Corridor
– Metro’s summary of the Board action and rationale behind selecting the underground heavy rail option.
Metro C Line Extension to Torrance Project Page
– Background, station concepts, and status updates for the South Bay light rail extension.
Final Environmental Impact Report: C Line Extension
– Details on the Final EIR, public comments, and next steps toward Board certification.
Metro Project Updates – The Source
– Ongoing Metro blog updates covering major transit projects, board actions, and construction milestones.
LA Metro Board of Directors
– Information on Metro Board members, meeting schedules, agendas, and voting records.
STM Daily News will continue to follow both projects closely, providing updates as Metro moves toward final approvals, construction timelines, and funding decisions that will shape how Angelenos travel for decades to come.
For ongoing coverage of Metro projects, transportation policy, and infrastructure across Southern California, visit STM Daily News.
