Core Argument - The current disaster recovery system disproportionately disadvantages vulnerable populations, exacerbating displacement and inequality [6][7][8][9] - A "universal design" approach to disaster recovery is proposed, prioritizing the needs of the most at-risk residents, specifically tenants and Black homeowners [3][10][16][17] - Universal design focuses on people instead of property or profit [9] Proposed Solutions - Short-term: Implement a universal basic income program and an insurance gap program to stabilize tenants and homeowners [18][19] - Medium-term: Land banking through a community land trust, policy protections, and resident-focused rebuilding [20][21] - Long-term: Community ownership to ensure permanent stability, affordability, and protection against gentrification [21][22] Data & Statistics - 91% of tenants were underinsured or completely uninsured [11] - 72% of tenants still need housing [12] - 78% of tenants cannot afford a market-rate one-bedroom apartment in surrounding areas [12] - Black homeowners in West Altadena are experiencing the highest rates of post-disaster pressure from outside buyers [14] Call to Action - Government, philanthropy, friends, and neighbors are urged to support and fund the proposed universal design recovery [23][24] - Stakeholders should prioritize the needs of tenants and West Altadena homeowners in all recovery plans [24]