Repairing and rebuilding structures following an extreme event requires capital. Due to shifting demographics, high-risk settlements are increasingly placing both populations and the built environment at substantial loss exposure to such extreme events. Instead of retaining extreme event risks associated with these settlements, owners tend to transfer the risk to government. The primary purpose of this research is to develop a post-disaster model to analyze the public structural indemnification influences on building construction resiliency and to develop a quantitative basis for pre-disaster planning to increase this resiliency. The framework consists of designing a model for analyzing the impact of extreme event reconstruction project municipal financing on built environment resiliency and ascertaining the primary stakeholder risk transfer. Specifically, the methodology entails an operational analysis and modeling of current post-disaster Federal Emergency Management Agency (FEMA) Individual and Households Program and determining its impact upon residential built environment resiliency. While resiliency is hazard specific, spatially dependent, and a complex amalgamation of many socioeconomic factors, a regional multistate approach will focus on Presidentially Declared Disasters concentrating on the coastal regions of Western Florida, Alabama, and Eastern Mississippi. The model establishes a quantitative metric for future public policy decision analysis pertaining extreme event indemnification, risk allocation, and resiliency.