Are you looking for a clear starting point for your municipal climate adaptation planning? The Climate-Ready Communities (CRC) Assessment Tool helps municipalities evaluate local climate risks and plan targeted, equitable actions.

Watch our webinar on putting the resource to work in your climate planning. You’ll also hear how the City of Fredericton used climate information to guide their adaptation process.

To support your learning, explore our related tip sheets: Tips for climate risk assessments and adaptation planning.

This webinar was designed for municipal staff and elected officials starting or advancing their climate adaptation planning journey. Whether you’re developing your first climate risk assessment or refining an existing approach, you’ll come away with tools and fresh inspiration to move forward.

Speaker:

  • Sean Lee, Assistant Director, Engineering & Operations, City of Fredericton

The webinar was delivered in English with French simultaneous interpretation (SI).  

FCM’s Local Leadership for Climate Adaptation initiative is delivered through our Green Municipal Fund and funded by the Government of Canada. 

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Through assessing and planning for the climate risks your community faces, you lay the groundwork for:

  • defining a vision of what a resilient community means to your community
  • building relationships with people who bring important perspectives, skills and knowledges
  • identifying which climate risks matter most to your community
  • deciding which actions will address these risks and how they should be prioritized
  • clarifying who is responsible for what

While significant, more than assessing and planning is required for climate change adaptation. Community climate resilience is strengthened when plans are put into action through municipal operations.  

These tip sheets provide practical guidance to help municipalities take their first steps toward putting their climate adaptation plan into action. Use them to start implementing, integrating and monitoring your progress over time. 
 

Pillar 3 icon Explore tips for implementing climate adaptation plans.

Discover how to get started in the tip sheets below.

Tip sheet: Start putting your climate adaptation plan into action

Time investment: 7 minutes

Get started on implementing your climate adaptation plan. Explore this tip sheet for guidance on how to maintain momentum without depleting resources.

Tip sheet: Start weaving climate adaptation into your municipality’s everyday activities

Time investment: 8 minutes

Make climate adaptation a core part of your municipality’s operations to ensure lasting change. Use this tip sheet to start aligning climate adaptation actions with your municipal plans, processes and systems.

Tip sheet: Start tracking and evaluating your climate adaptation efforts

Time investment: 6 minutes

Keep your climate adaptation plan on track. Use this tip sheet to start tracking progress and make improvements as you go.

 

The Climate-Ready Communities Assessment Tool empowers local governments to evaluate and enhance their climate adaptation strategies. By guiding users through a comprehensive self-assessment and customizable roadmap, the tool can help your municipality identify critical areas for improvement and take actionable steps forward. Ideal for local governments, this tool offers a clear framework for understanding current resilience, pinpointing areas for progress and effectively integrating climate adaptation into existing municipal processes.

 

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Tips for building the foundation for municipal climate adaptation

Having the right people, partnerships and governance enables effective climate resilience efforts. This series of tip sheets provides guidance on allocating limited internal resources, collaborating with others and generating the necessary support from your council and community members.

 

Read the tip sheets.

 

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Tips for climate risk assessments and adaptation planning

Explore tip sheets to help you get started on key climate risk assessment and adaptation planning milestones.

 

Read the tip sheets. 

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Community climate resilience is not a standalone goal. It is tied to the things that matter to municipalities, such as reliable infrastructure, healthy and safe communities, protected and preserved natural spaces and financial health. Integrating your climate risk assessment and adaptation plan into existing municipal plans, systems and processes is an important step in making your plan actionable. Meaningful integration helps ensure that building climate resilience to future conditions becomes a standard part of how your municipality works.

This tip sheet will help you answer:

  • How do we connect the climate adaptation work we have done to our day-to-day systems, processes and plans?  
  • How can we navigate the operational and cultural changes that can come with starting climate adaptation work? 

Getting started 

Review the plans and processes you already have, and identify entry points for your climate adaptation plan.

You do not have to start from scratch. Before creating anything new, identify where actions in your climate adaptation plan can naturally fit into the work your municipality is already doing. This approach helps reduce duplication and the amount of resources required to make progress on climate adaptation.

How can we start integrating our climate adaptation plan into our day-to-day operations without adding extra burden on staff or resources?

To help you get started, here are some examples of how adaptation actions can be connected to existing municipal plans, systems and processes.

Asset management plans
  • Consider how climate risks like flooding or heat stress may affect critical infrastructure over time.
  • Use climate risk information (e.g., increased freeze-thaw cycles, heavy rainfall, drought) to adjust lifecycle costing, maintenance schedules and infrastructure renewal priorities.
  • Identify assets most vulnerable to climate impacts, and include projects to mitigate climate impacts in capital plans (e.g., relocate electrical controls of a pump station in a flood-prone area, retrofit buildings with improved insulation and heat pumps for efficient cooling).
Financial planning and budgeting
  • Include adaptation actions in your long-term financial plan and capital budget forecasts. 

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Explore FCM’s Long-term financial planning for sustainable service delivery for ways to embed climate resilience into long-term financial planning.

  • Factor in the cost of inaction when assessing the value of adaptation measures (e.g., compare the cost of regular maintenance to prevent road washouts with the cost of emergency repairs). 

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Explore ICLEI’s Cost of Doing Nothing: A toolbox for building a local business case for adaptation to get additional information on understanding the cost of inaction.

  • Ensure your procurement rules don’t prevent you from paying more now to save money later.
  • Consider applying for adaptation-related grants and funding opportunities. 

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Explore FCM’s Funding opportunities page for a list of the Green Municipal Fund’s (GMF)’s funding programs.

Public works and operations
  • Adjust staff’s operational schedules based on projected climate impacts (e.g., increase in the frequency of storm-drain clearing before heavy rain seasons).
  • Use seasonal outlooks or weather-trend data to inform planning for snow removal, tree maintenance and water conservation efforts.
  • Incorporate heat-, drought- and flood-resilient design into operations and infrastructure upgrades (e.g., planning for tree watering, upsizing culverts to future rainfall conditions). 
Emergency planning
  • Integrate understanding of current and future climate risks (e.g., wildfire, extreme heat or flooding) into your emergency management plan.
  • Coordinate with public health and social services to ensure emergency plans account for vulnerable populations (e.g., cooling centres for seniors).
Public communications and engagement
  • Include climate risk information in seasonal public communications (e.g., safety tips for wildfire season, reminders to prepare for extreme heat, suggestions to conserve water during drought periods).
  • Use climate adaptation progress updates to build transparency and public trust.
  • Share stories of local successes to show residents how climate resilience is being built in their community (e.g., videos, infographics, newsletter spotlights). 

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Read Tip sheet: Start putting your climate adaptation plan into action for more information on climate adaptation storytelling.

Land use planning
  • Use climate risk information to identify areas that are not suitable for new development due to climate hazards like flooding, wildfire or coastal erosion.
  • Update zoning bylaws and land development policies to avoid growth and development in high-risk areas (e.g., wildland-urban interface, coastline) and to preserve natural spaces that can help mitigate the impacts of climate changes (e.g., urban forests that offer relief from extreme heat).
Empower staff to act on climate adaptation through their existing responsibilities.

Integrating climate adaptation plans across an organization is not only a technical task, it can also require a change in corporate culture, including evolving how decisions are made and how services are delivered. These changes can feel big, and it can be hard to maintain momentum as change occurs. Creating change is easier when staff are empowered with an understanding of why climate adaptation matters, how it matters to their role and what they can do to help integrate climate adaptation actions.

How can we build internal capacity and support staff through the change required to integrate our climate adaptation plan into our operations?

Here are some tips to help you get started.

Build an understanding of why climate adaptation matters.

Help staff connect climate risks to the services and assets they manage. For example, encourage staff to reflect on role-relevant questions.

For planners:

  • How might increased flood risk affect our development decisions or land use planning?
  • Are there areas in our community that might become less suitable for development if wildfires become more common?
  • Who in our community may not have access to the financial resources or networks to recover from the impacts of a climate hazard?

For public works and operations staff:

  • How would more extreme heat days affect our outdoor work or road maintenance schedules?
  • How might increased freeze-thaw cycles impact road surfaces or sidewalks we maintain?
  • What would heavier rainfall mean for the way we inspect storm drains or culverts?
  • How could more frequent power outages or heat waves affect public building safety and comfort?
  • Are the trees we are planting today likely to thrive 20 years from now?

For emergency services or emergency planning staff:

  • Are our current emergency plans designed for climate hazards that may become more frequent such as extreme heat, wildfires, flooding or drought?
  • What impact do extreme weather events have on volunteer fire departments or local shelters?

For communications staff:

  • What forms of communication would our internal and external communities find valuable for staying informed about the work we’re doing to make infrastructure and services more resilient to changing climate conditions?
  • How might our communication channels need to evolve to reach people during emergencies such as wildfires or flooding?

Some of this work may have been done already as part of your climate risk assessment and adaptation planning. Explore Tips for building the foundation for municipal climate adaptation for more guidance on how to support staff to build this understanding.

Connect your climate adaptation plan to staff roles.

Once staff are equipped to understand the importance of climate adaptation, work with them to identify ways they can integrate climate adaptation actions into their roles. For example:  

For administrators:

  • Embed climate risk and resilience into relevant council reports.
  • Engage neighbouring jurisdictions in discussions about climate risk and resilience, identifying shared interests and potential opportunities for collaboration.

For finance staff:

  • Include climate risk and adaptation costs in long-term capital planning and asset management.
  • Train finance staff to identify funding opportunities that support resilience.
  • Review procurement processes and policy to identify opportunities to incorporate climate resilience, such as identifying project types that should include climate resilience requirements in submissions.

For public works and operations staff:  

  • Make adjustments to maintenance schedules, emergency response procedures and inspection routines based on observed and projected climate impacts (e.g., checking storm drains more frequently during high-risk seasons).
  • Plan outdoor programs with extreme heat in mind.

For communications staff:

  • Build climate messaging into regular communications to residents.
  • Develop an emergency communications plan.
  • Create communication checklists and templates for communicating in extreme weather events.

For planners:

  • Use climate risk information to shape land use decisions, zoning bylaws and official community plans. Assess whether proposed developments are climate-resilient and located in safe, low-risk areas.

For engineers:

  • Integrate climate projections (e.g., rainfall intensity, temperature extremes) into infrastructure design and lifecycle assessments.
  • Review your bylaws, design standards and contract templates to identify where you can integrate climate projections or known climate risks. Update these as necessary. 

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Browsing the following resources may help staff brainstorm connections between climate adaptation actions and their roles:

Encourage staff to identify opportunities

Staff often know where there is room to improve processes or make smarter decisions. Create opportunities for staff to suggest how and where climate adaptation could be integrated into their work. This can be done through, for example:

  • one-on-one conversations that occur once a year with different staff
  • a standing meeting or working group with staff representatives from different departments to share ideas and track progress
  • hosting short “climate huddles” or lunch-and-learns to share ideas 

Next steps

Integrating your climate adaptation plan into your municipality’s systems, processes and plans is a core part of successful implementation. For more guidance on implementing your climate adaptation plan, read Tip sheet: Start putting your climate adaptation plan into action. Your integration approach should also consider how you will monitor, report on and learn from your efforts. Tip sheet: Start tracking and evaluating your climate adaptation efforts offers tips for getting started.

Explore the Climate-Ready Communities Assessment Tool for additional insight and support in implementing your climate risk assessment and adaptation plan. You can use the tool to evaluate your existing climate adaptation efforts, pinpoint areas for improvement and chart a clear plan for strengthening your community’s adaptation efforts.  

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When Kim Hodgkinson first moved into her 1,200-square-foot bungalow in Colchester, Nova Scotia, she knew the home needed work, especially when it came to energy efficiency. “The heat pump didn’t work. The oil system was running constantly. It was never really warm, and our power bills were high,” she recalls. As a single mother of three daughters, Kim needed a solution that would be affordable, reliable and practical for a busy household.

That solution came through Cozy Colchester, the Municipality of Colchester’s residential energy financing program. Cozy Colchester offers low-interest loans for energy upgrades like heat pumps, insulation, windows and doors—without the burden of upfront costs.

For Kim, the program made it possible to install a new heat pump and replace drafty exterior doors—upgrades that have already improved her home’s comfort and efficiency. “It’s made a huge difference,” she says. “The house stays warmer in the winter, cooler in the summer and I’ve already noticed a drop in my power bill.”

Finding the right fit

Kim first heard about the Cozy Colchester program through a radio ad and later noticed the municipality’s branded vehicle driving through town. “I thought, okay, this sounds like something I need to look into,” she says. “I went to the website, and it had everything laid out clearly. It was super easy to understand.”

Before applying to Cozy Colchester, Kim accessed Efficiency Nova Scotia, which helped remove her oil system and install electric baseboard heaters. The two programs complemented each other well: Efficiency Nova Scotia handled the fuel switch, while Cozy Colchester funded the more substantial upgrades, including the new heat pump and doors.

“The timing worked perfectly,” Kim explains. “I applied to Cozy Colchester just as I was finishing up with Efficiency Nova Scotia. They really stacked well together.”

Young woman checking with radiators with device in bright living room.

 

A straightforward, supportive process

Like other program participants, Kim was struck by how easy the municipal process was. “The application was very clear. The repayment schedule was clearly explained. There were no surprises,” she says.

One of the program’s most helpful features, she adds, was that the municipality paid the contractor directly. “That made a big difference,” she says. “I didn’t have to front the money and wait to be reimbursed, which made it financially manageable.”

Communication throughout the process was another high point. “Every time I had a question, someone got back to me quickly. They explained everything in plain language. I felt supported and confident that I wasn’t missing anything.”

Kim’s repayment is set up as a simple monthly payment through the municipality—an approach she says makes budgeting easy. “It just gets taken care of. I don’t have to worry about juggling payments or paperwork.”

Comfort, air quality, and everyday impact

The results of the upgrades were noticeable almost immediately. “The heat pump has made a huge difference, especially with the air quality,” Kim says. “It feels fresher in the house, and it’s a much more even temperature.”

For her three daughters, the difference has been even more tangible. “They used to complain that the house was cold all the time,” she laughs. “Now it actually feels comfortable, especially in the evenings.”

Kim’s electricity bills have already gone down, and she expects further improvements once the new doors are installed this fall. “We’ve still got a few things to finish up,” she says, “but even now, I can see the savings.”

Encouraging others to apply

Kim says she wouldn’t hesitate to recommend the Cozy Colchester program to other homeowners. “If you’re thinking about doing upgrades and don’t want to deal with upfront costs or complicated paperwork, this is the way to go,” she says. “The loan is affordable, the program is easy to navigate and you’re making your home better in the process.”

She’s especially grateful that the program is designed with flexibility in mind. “You don’t have to do everything all at once,” she notes. “You can start with one or two upgrades that make sense for your home and your budget.”

A simple path to a more efficient home

Launched in 2019 and expanded with support from GMF, the Cozy Colchester program has helped rural homeowners across the region make meaningful improvements to their homes, whether through solar, insulation, heating systems or air sealing. By paying contractors directly, offering flexible repayment terms and keeping the application process clear and accessible, the program is helping households like Kim’s save energy and improve comfort without financial strain.
For Kim, the difference is more than just a lower power bill. “I feel proud of what I’ve been able to do with my home,” she says. “And I know my kids feel better in it too. It’s not just about saving money—it’s about having a home that really works for us.”

Cozy Colchester is funded by the Green Municipal Fund (GMF), a program of the Federation of Canadian Municipalities (FCM).

This case study is part of a larger article series showcasing the impact of CEF-funding programs across Canada.
 

Want to explore all GMF-funded projects? Check out the Projects Database for a complete overview of funded projects and get inspired by municipalities of all sizes, across Canada.

Visit the projects database

When Zeynin Juma and her husband bought their bungalow in southwest Calgary in 2021, they knew it was the right fit for their family’s future. Nestled in a quiet crescent, the 1958 home offered space, privacy, and even the occasional deer in the yard. But moving in also came with new needs: a major fireplace installation, added air conditioning, and higher electricity use than expected. To keep their home comfortable and future-proof while managing costs, Zeynin turned to solar power. “Our place gets so much sun—it just made sense,” she says. “Solar was really the only option that could offset the added energy load.”

From Greener Homes to Calgary’s CEIP

Zeynin first accessed the federal Greener Homes program in 2021. Through it, she received a $5,000 grant and a $25,000 loan to cover her initial rooftop solar system, installed on her detached garage by a local contractor. But the new electric fireplace drew far more energy than expected, leaving Zeynin with both a monthly electricity bill and the solar loan repayment. When she tried to apply for a second Greener Homes loan in 2022, she learned that homeowners were only eligible once.

“That’s when our contractor told me about the City of Calgary’s Residential Clean Energy Improvement Program (CEIP),” Zeynin recalls. “It was a lifesaver.” Through the City of Calgary, she secured another $17,000 to expand the solar system. The loan was added to her property taxes, spreading repayments over 20 years at a low interest rate. “It only added about 50 dollars a month. That made it doable,” she says

Residential Solar Panels on the Roof of a House

 

White-glove support

Zeynin describes Calgary’s process as “white glove” compared to her earlier experience. With Greener Homes, she had to pay contractors upfront, raise her credit card limit, and wait for reimbursement. “CEIP took care of everything. They dealt directly with the installer, managed payments, collected serial numbers—things I didn’t even understand. I just paid a couple hundred dollars for the energy assessment and that was it,” Zeynin explains. “It was easy, stress-free, and made sense on paper.”

Comfort, food and joy

The impact goes beyond bills. The upgraded solar system has made the home more comfortable, especially in the basement, which now maintains a steady, livable temperature. It has also fueled Zeynin’s passion for gardening. With reliable, affordable electricity, she and her husband started an indoor garden. “We routinely grow fresh lettuce, cilantro, fennel, and even beets in the basement—even when it’s snowing outside,” she says. “You can’t really put a price tag on that joy.” Looking ahead, Zeynin is considering how solar could support an electric vehicle, as well as future upgrades on her rental duplex. The City of Calgary has already approved both sides of the property for financing, opening the door to lower costs and healthier homes for her tenants.

Advice to others

Zeynin encourages other homeowners to act quickly and not get hung up on the upfront numbers. “Do it now. Don’t wait. It might not look like it makes sense on paper in the first few months, but by year one you really see the benefits,” she says. “And if it doesn’t cover everything the first time, you can always go back. There are programs to help you get it right.” For Zeynin, the decision was both practical and personal. “Solar brings me huge joy,” she says. “Living in Calgary, with so much sun, it just makes sense.”

Calgary's Clean Energy Improvement Program is administered by Alberta Municipalities and funded by the Green Municipal Fund (GMF), a program of the Federation of Canadian Municipalities (FCM).

This case study is part of a larger article series showcasing the impact of CEF-funding programs across Canada. 

Want to explore all GMF-funded projects? Check out the Projects Database for a complete overview of funded projects and get inspired by municipalities of all sizes, across Canada.

Visit the projects database

When Purnima Govindarajulu received a flyer from the District of Saanich, British Columbia, tucked into her utility bill, she almost dismissed it. “It talked about a pilot program offering financing for energy upgrades,” she recalls. “At first, I wasn’t sure if it was relevant. But it came at just the right time.”

Purnima had already been thinking about replacing her home’s aging oil furnace. “Our oil tank was nearing end of life, and I didn’t want to invest in another one,” she says. “I’d been wanting to switch to something cleaner for years.”

That flyer introduced her to Saanich’s Heat Pump Financing Program, that offered local homeowners a simple way to access up to $12,000 in zero-interest financing for eligible upgrades repaid gradually through the property tax bill.

Close up of outdoor heat pump under some brush behind a house.

 

Choosing comfort and clean energy

Purnima decided to participate in the pilot and used the financing to replace her oil furnace with a modern heat pump system. She also stacked the financing with a $5,000 federal rebate through the Greener Homes Canada program, covering a significant portion of the project cost.

The change has been noticeable. “The heat is more comfortable—gentler and more even,” she says. “It’s also so much quieter, and we’ve felt a real improvement in air quality.”

Purnima had already invested in other energy upgrades over the years, including solar panels, window sealing, insulation and a high-efficiency fireplace insert. But removing oil felt like the most impactful step. “It’s cleaner, safer and it was something I’d wanted to do for a long time,” she explains. “This program just made it financially possible.”

A smooth, municipal-led process

One of the standout features of the Saanich pilot was its accessibility. From application to loan approval, Purnima found the process straightforward. “Everything was clear, and I felt like there was a human on the other end,” she says. “It wasn’t complicated or intimidating.”

The program’s structure allows for direct contractor payment from the municipality, so homeowners don’t need to pay upfront and wait for reimbursement. Loan repayments are spread over 10 years and applied directly to participants’ annual property tax bills.

Purnima appreciated how the municipality managed the process. “It was well-communicated, and I always knew what to expect,” she says. While she experienced some minor contractor delays, she emphasizes that the municipality remained responsive and helpful throughout.

New furnace in an unfinished basement.

 

Lasting benefits, local leadership

Beyond immediate comfort, Purnima is pleased to know she’s no longer burning oil. “It feels good,” she says. “We’re not dependent on a fuel that’s becoming less and less viable, and we’re contributing to something better.”

While she isn’t sure of the exact cost savings—largely due to her solar panels offsetting electricity use—she’s confident that the investment was worthwhile. “This was about the long-term,” she explains. “About health, climate and peace of mind.”

She also sees local governments playing an essential role in accelerating retrofits across Canada. “Having the municipality involved made it feel trustworthy,” she says. “You know it’s not a scam, and it helps you navigate all the moving pieces.”

Advice for other homeowners: Start with a plan

For others considering a retrofit, Purnima recommends beginning with an energy assessment. “It helps you understand where your home is losing energy and what will make the biggest difference,” she says.

From there, she suggests making a prioritized list based on budget and impact. “You don’t have to do everything at once. I did solar panels years ago. Then insulation. Then windows. And now the heat pump,” she explains. “Every step builds on the last.”

And while rebates and financing help, she stresses the importance of timing. “Sometimes the opportunity comes when you’re not expecting it. If it’s the right time and the support is there—go for it.”

A scalable model for home energy action

The District of Saanich’s financing pilot reached 53 households and demonstrated strong demand for simple, locally delivered energy upgrade supports. The District of Saanich also collaborated with the Capital Region District to launch a retrofit support service called the Home Energy Navigator. The Navigator helps homeowners plan their retrofits, access rebates and get advice and support along the journey.

For Purnima, the program offered not just financing—but momentum. “It helped us take the next step,” she says. “And now we have a home that’s healthier, more efficient and aligned with our values.”

Saanich’s Heat Pump Financing Program is funded by the Green Municipal Fund, a program of the Federation of Canadian Municipalities. 

This case study is part of a larger article series showcasing the impact of CEF-funding programs across Canada.

Want to explore all GMF-funded projects? Check out the Projects Database for a complete overview of funded projects and get inspired by municipalities of all sizes, across Canada.

Visit the projects database

When Christina Lycan and her family moved just outside Truro, Nova Scotia, in 2021, they were looking for more space to grow—but with a larger home came higher energy bills. “We knew our power costs were going to go up,” Christina says. “So we started looking into how we could offset that and do it in a way that was sustainable for the long term.”

That search led Christina to Cozy Colchester, the Municipality of Colchester’s local Property Assessed Clean Energy (PACE) program. The program provides low-interest loans for solar and energy efficiency upgrades. With no upfront costs and repayment spread over 10 to 15 years, the program is designed to make home energy improvements more accessible to rural homeowners.

For Christina, the timing was ideal. “It really felt like a win-win-win,” she says. “The loan made it affordable, and we could also stack it with provincial and federal rebates.”

A two-phase journey toward efficiency

Christina’s upgrade journey happened in two phases based on the availability of rebates and her family’s evolving energy needs. In the first phase, she installed a solar panel system and accessed the federal government’s Greener Homes grant and loan.

Shortly after, the family installed an electric hot water tank and three mini-split heat pumps to replace their original oil-based heating system. “Once the heat pumps were in, our electricity use went up,” she says, “but we knew we could come back for a second round of solar through Cozy Colchester, and that’s exactly what we did.”

Phase two included an expanded solar array and, thanks to changes in the electrical code, the addition of a Tesla Powerwall battery backup system—something that turned out to be a game-changer. “When we found out the battery backup could be added for less than expected, we asked the county if we could increase our loan,” Christina explains. “They said yes right away. We just sent an updated invoice and had the amended loan documents within days.”

Residential Solar Panels on the Roof of a House

 

A responsive, streamlined process

Throughout both phases of her retrofit journey, Christina found the municipal process to be straightforward and refreshingly human. “With Cozy Colchester, everything was easy,” she says. “Any time I had a question, I’d get a reply within 24 hours, even if it was just to say, ‘We’re looking into it.’”

One standout feature was how the municipality facilitated communication between homeowners and contractors. “They kept my contractor in the loop at every step,” Christina recalls. “Everyone was always on the same page.”

Unlike some programs that require homeowners to pay out of pocket and seek reimbursement, Cozy Colchester paid contractors directly, removing a major financial barrier. “We weren’t out of pocket, and we didn’t have to juggle logistics ourselves,” she says. “That peace of mind made a big difference.”

Everyday comfort and long-term resilience

The upgrades have brought immediate and lasting benefits to the Lycan household. “After the first solar array was installed, our electricity bill dropped to just the connection fee,” Christina says. “And since replacing the oil system, we’ve significantly reduced our overall energy costs.”

Beyond savings, the upgrades have significantly improved the comfort and livability of the home, especially for her kids. “The heat pumps have been amazing in the summer,” she says. “After a long day of playing outside, it’s a relief for them to come inside and cool down.”

And in a region increasingly affected by extreme weather, the battery backup system has provided an extra layer of resilience. “After Hurricane Fiona, a lot of homes were without power for a week,” Christina explains. “We’re on a well, so without power we don’t just lose lights—we lose water. Now, with the battery, I know my kids can still get a drink, flush the toilet and stay safe. That’s huge.”

Advice for other homeowners

Christina’s message for other homeowners is simple: “Don’t wait. If you have the opportunity and the means, do it now. You never know when these programs or rebates might change.”

She also encourages people to look into municipal programs like Cozy Colchester as an alternative—or complement—to federal options. “We were grateful to have used the Greener Homes loan too, but the municipal process was much smoother,” she says. “Whatever municipalities are doing, it’s working.”

Supporting rural households and community climate action

The Cozy Colchester program was originally launched in 2019 and later expanded with support from GMF. The updated program now funds both solar installations and deep energy retrofits for rural homeowners, while offering tailored support through local energy consultants, vetted contractors and partnerships with Efficiency Nova Scotia.

For Christina, the program offered more than just financial assistance—it provided reassurance, responsiveness and a clear path forward. “We were able to make real changes to our home that support our family and the environment,” she says. “And we did it in a way that was manageable, affordable and supported every step of the way.”

Cozy Colchester is funded by the Green Municipal Fund (GMF), a program of the Federation of Canadian Municipalities (FCM).

This case study is part of a larger article series showcasing the impact of CEF-funding programs across Canada.

Want to explore all GMF-funded projects? Check out the Projects Database for a complete overview of funded projects and get inspired by municipalities of all sizes, across Canada.

Visit the projects database

When Adam Zulkoskey and his family moved into their Saskatoon home in 2021, they weren’t just looking for a new place to live—they were looking for a home they could transform. “From the beginning, we wanted something that would let us invest in solar,” Adam recalls. The south-facing garage roof and unobstructed backyard made the property an ideal candidate. What started as a solar project quickly expanded into a suite of energy upgrades with lasting impacts on comfort, cost, and peace of mind.

Adam is one of more than 300 homeowners participating in Saskatoon’s Home Energy Loan Program (HELP). HELP offers low-interest loans to support energy-efficiency and renewable-energy retrofits. The program helps address energy costs and aging housing stock while giving homeowners practical ways to make their homes more comfortable and efficient.

With the support of HELP, Adam completed a series of major upgrades: a new heat pump, high-efficiency furnace, and attic insulation. “The City of Saskatoon’s program was more flexible and easier to work with than others,” he says. “We had an actual contact person who responded quickly and helped guide us through each step.”

The family also accessed the federal Greener Homes loan program, which provided 0% financing for their solar panels and on-demand water heater. Having multiple financing options made it easier to bundle upgrades that enhanced the overall performance of their home. “Saskatoon’s HELP program covered more of what we needed and was incredibly user-friendly,” Adam adds.

New heat pump outside a small residential home.

 

Learning along the way

HELP provided a clear and structured process from start to finish, including EnerGuide home audits to assess energy performance before and after the upgrades. While coordinating contractors, quotes, and audit timelines can be complex, Adam credits the city for offering reliable support throughout. “We always had someone to talk to,” he says. “That made it much easier to stay on track and feel confident in our decisions.”

As with any major home improvement, timing and sequencing played an important role. Adam found that planning ahead, especially when coordinating multiple upgrades, helped ensure everything moved forward smoothly. “Every improvement added value,” he says. “The experience helped us better understand how these pieces fit together.”

The process also gave the family greater insight into how to maximize the benefits of energy retrofits. From reviewing quotes to navigating post-installation audits, Adam appreciated the level of care built into the program. “We felt supported at every step,” he says. “It was empowering to learn as we went.”

Lower bills, higher confidence

Since completing their upgrades, Adam and his family have seen meaningful reductions in their energy costs, especially with solar power now helping to offset electricity use. “We didn’t have air conditioning before, so we got a heat pump for cooling,” Adam explains. “It’s more efficient than a traditional AC unit, and we also use it in the spring and fall when the weather shifts. The heat pump can provide either heating or cooling during these in-between seasons, so we don’t have to rely as much on the furnace.”

Just as important is the sense of security the upgrades provide. With a heat pump that performs in extreme cold and a high-efficiency furnace, the family feels well-prepared for Saskatchewan winters. “It’s reassuring to know that we’re not only reducing our footprint, but also investing in the resilience of our home,” Adam says.

Advice to other homeowners

For homeowners considering a retrofit, Adam’s advice is to explore all available resources and take a whole-home approach. “These programs open up opportunities that might not otherwise be financially feasible,” he says. “And the more you can bundle improvements together—like pairing insulation with heating system upgrades—the better the overall outcome.”

He also recommends talking to others who’ve gone through the process. “Every home is different. Getting advice from people with similar experiences helped us make informed decisions.”

While the family plans to invest in additional exterior insulation down the line, they’re proud of the progress they’ve made so far and grateful for the role the HELP program played. “It helped us take action sooner, with confidence,” Adam says.

A program that makes a difference

Reflecting on the experience, Adam describes HELP as a practical, accessible and homeowner-friendly program that made ambitious upgrades possible. “Without this kind of financing, we wouldn’t have been able to do any of this,” he says. “The fact that it’s tied to the property, not the person, made it even more appealing. We knew we weren’t taking on a long-term burden,” In other words, the financing is linked to the home itself—so if the family ever decided to move, the balance could be settled or transferred as part of the sale.

As municipalities across Canada explore ways to support household energy efficiency, stories like Adam’s demonstrate what’s possible when local programs are designed with people in mind. “It’s a smart investment—for residents, for communities, and for the climate,” he says.

Saskatoon’s Home Energy Loan Program is funded by the Green Municipal Fund (GMF), a program of the Federation of Canadian Municipalities (FCM).

This case study is part of a larger article series showcasing the impact of CEF-funding programs across Canada.

Want to explore all GMF-funded projects? Check out the Projects Database for a complete overview of funded projects and get inspired by municipalities of all sizes, across Canada.

Visit the projects database

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People with different perspectives and experiences provide valuable unique insights on climate impacts as well as the actions to address them. However, some people have been excluded from participating and/or may face barriers to participating. As a result, their perspectives are not included and their needs and priorities are overlooked. Involving equity-deserving groups through inclusive and equitable engagement offers opportunities for everyone to contribute to and experience a climate-resilient future. 


This tip sheet will help you answer:  

  • How can we connect with equity-deserving groups on climate adaptation work?  
  • How can we raise awareness and educate others if we have limited resources?

Getting started

Identify equity-deserving groups in your community. 

Identifying equity-deserving groups in your community means considering who lives there, what their identities are and what their lived experiences may be.

How can you identify equity-deserving groups in your community?

Here are some tips to help you get started.

  1. Consider who lives in your community.

Equity-deserving groups are people who, because of systemic discrimination, face barriers that prevent them from having the same access to the resources and opportunities available to other members of society, and that are necessary for them if they are to attain just outcomes. These communities are often underrepresented in decision-making processes. In your community, this may include:

  • Indigenous Peoples: First Nations, Métis and Inuit people and communities, including urban Indigenous communities  
  • newcomers to Canada: a self-identified group that may include people who have obtained landed immigrant status, refugee status or permanent resident status up to five years prior to a given census year  
  • people who are part of LGBTQ2+ communities: people who are lesbian, gay, bisexual, transgender, non-binary, queer, Two-Spirit and others who represent the wide spectrum of gender identities, sexual orientations and romantic orientations not explicitly named  
  • people living with disabilities: people who have a long-term or recurring physical, mental, psychiatric, intellectual or sensory impairment that, in interaction with various attitudinal and environmental barriers, hinders their full and effective participation in society on an equal basis with others. This is a self-identified status and does not require an external or formal recognition of disability.  
  • people with low income: individuals or households earning significantly less than the median income level in their area, placing them at an economic disadvantage compared to the general population. People with low income often face barriers to accessing essential services like healthcare, education and housing, which can perpetuate cycles of poverty and social exclusion.  
  • racialized persons: a person or group of people categorized according to ethnic or racial characteristics and subjected to discrimination on that basis
  • religious minority groups: a group of people who share religious characteristics differing from those of the majority or dominant population, and who often experience discrimination or exclusion  
  • rural and remote residents: individuals living in areas characterized as rural. As an equity-deserving group, these residents may face challenges such as reduced access to critical services and economic opportunities compared to their urban counterparts.  
  • women: all people who identify as women

In addition to reflecting on what you already know about your community, other ways of identifying equity-deserving groups include:

  • using data such as income, disability, race and ethnicity, language, gender and age
  • connecting with other public service providers such as public health, housing and library services
  • researching and connecting with different community groups through targeted outreach or events
  • reviewing past community engagement initiatives to identify who was or was not involved
Involve equity-deserving groups. 

Asking for participation from equity-deserving groups can be challenging if they face, or have experienced the impacts of, discrimination. In addition, no equity-deserving group or individual within an equity-deserving group is the same. There is no one-size-fits-all approach to involving them in climate adaptation.  

How can you involve equity-deserving groups in climate adaptation work in ways that are considerate and inclusive of their needs?  

Here are some tips to help you get started.

  1. Understand the lived experiences of equity-deserving groups.

Many equity-deserving groups experience burdens that create barriers to their involvement in climate adaptation work. Before seeking to involve equity-deserving groups, it is important to take the time to understand their experiences within both the broader community and with your organization, and how that experience may impact their motivation or ability to engage. For example:

  • Some groups may be distrustful due to past or current harms.
  • Some groups may be struggling to meet their basic needs and therefore may not have the capacity to participate.
  • Some groups may have been excluded and overlooked in decision making and thus not want to participate.  
  1. Clarify the level of participation you are looking for.

Being clear on what type of involvement you are looking for helps maintain transparency and set clear expectations. In doing so, you can help members of equity-deserving groups or organizations who represent them understand their role and the impact of their contributions. 

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Tip: The IAP2 Spectrum of Public Participation can help you identify the level of participation you are looking for.

  1. Evaluate your organization’s capacity to engage equity-deserving groups.  

Not every organization can do everything, and it's better to do less but do it well than it is to over-commit and not be able to achieve your goals. Because of that, doing an honest assessment of the resources and capabilities of your organization is an important step to take before seeking to involve equity-deserving groups. Here are some examples of steps you can take:

  • Review your current staff resources.  
  • Consider what skills and training are needed for engagement with equity-deserving groups.  
  • Assess the available budget for engagement activities. For example, can your organization provide an honorarium to Indigenous individuals?
  • Be transparent about your limitations with community partners.  
  1. Work with local organizations.

In some cases, equity-deserving groups may be represented by local non-profits, advocacy groups and community organizations. Reaching out to those organizations can help alleviate some of the demands placed on equity-deserving groups. These organizations often have deep community connections and understand local needs. Here are some examples of good first steps:

  • Identify organizations that work with or represent different community groups.
  • Schedule initial meetings to discuss your climate adaptation goals.
  • Understand barriers to participation (timing, location, language, childcare needs).
  • Ask how they typically engage with their communities.
  • Attend community events to learn and build relationships with different members of the community.
  1. Find out what works for them.  

Every equity-deserving group is different, and assumptions about engagement can lead to ineffective approaches and, in some cases, can risk causing further harm. Instead, directly asking members of equity-deserving groups or organizations that represent them about their preferences for participation will help you come up with engagement approaches that are respectful and accessible. Examples of respectful and accessible engagement approaches may include:

  • Go to where people are, rather than asking people to participate in stand-alone engagement events. Work with partners to incorporate engagement into other community events or gatherings.
  • Provide multiple opportunities for engagement (in-person and virtual, different times of day) and have childcare available.  
  • Compensate participants for their time through an appropriate honorarium or gift card to a local business. 

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Explore GMF’s Factsheet: Applying an Indigenous inclusion lens to climate adaptation to learn about integrating an Indigenous lens and Indigenous knowledge into your climate work.  

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Read Beyond Inclusion: Equity in Public Engagement from Simon Fraser University’s Morris J. Wosk Centre for Dialogue for additional support  in engaging the public.  

  1. Check in and report back.  

Involving equity-deserving groups in climate adaptation work should be an ongoing process, not a one-time event. Regular communication helps build a trusting relationship and creates opportunities to learn and improve. For example, you could create structures for:  

  • scheduling meetings with community organizations
  • receiving feedback (e.g., an anonymous survey)
  • reporting back on how community input has been used
  • celebrating progress and shared achievements 

Next steps

Involving equity-deserving groups is an important part of building the core of your climate adaptation efforts—people, partnerships and governance. For more support to get started on strengthening people, partnerships and governance, explore the following tip sheets:

Explore the Climate-Ready Communities Assessment Tool for additional insight and support. You can use the tool to evaluate your existing climate adaptation efforts, pinpoint areas for improvement and chart a clear plan for strengthening your community’s adaptation efforts

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Featured Resources

Climate-Ready Communities Assessment Tool

Assess your community’s climate adaptation efforts and discover actionable steps to improve resilience

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Course: Building climate resilience with asset management

How to protect municipal infrastructure from climate hazards

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Factsheet: Why equity matters in municipal climate adaptation

Explore the importance of taking on equity-centred climate adaptation work

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Developing and beginning to implement a climate adaptation plan marks the start of a long-term effort. Tracking your municipality’s progress is key to maintaining momentum, securing funds, building internal and public support and ensuring your efforts are making the intended impacts.

Monitoring, reporting and learning do not need to be complicated or costly. This tip sheet aims to offer practical guidance on how to get started on building a system that is manageable and meaningful for your community. It answers:

  • How can we build a practical system for tracking adaptation progress?
  • How do we make sure our monitoring and reporting efforts support continuous improvement? 

Getting started 

Tracking progress on your climate adaptation plan can help you understand what is working, where changes are needed and how much your efforts are reducing local climate risks over time. It also strengthens transparency and accountability by showing council, staff, partners and community members that your plan is being acted on.  

How do we track progress and learn along the way so our climate adaptation efforts stay effective over time?

Here are some tips to help you get started. 

Consider your audiences. 

Audiences for your climate adaptation efforts may include staff, council, members of the public, stakeholders, Indigenous communities or individuals and equity-deserving groups. Each of these audiences may need or want different types of information about progress on your plan. Thinking about your audiences’ information needs and interests early can help you focus your communications efforts to make sure monitoring and reporting is useful and accessible. For example:

Indigenous community members and equity-deserving groups are part of all the audience categories listed above. While many of the information needs listed in the follow examples may apply, no audience is the same—each may have distinct priorities, knowledge systems or protocols that shape what information they need and how it should be communicated.  

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ICLEI’s Climate Communications Playbook: Behavioural Strategies for Community Action provides detailed guidance on how to better understand your audiences, their characteristics and the unique considerations that should inform communications.

Council

Potential information needs:

  • high-level summaries
  • alignment of climate adaptation actions with municipal priorities
  • financial costs, benefits of adaptation actions and risks of inaction

To meet their needs, you could:

  • Develop brief updates that can be shared in council reports or budget planning sessions.
  • Include high-level summaries with key metrics and financial impacts.

Community members

Potential information needs:

  • tangible and relatable information
  • explicit connections to daily life or familiar places

To meet their needs, you could:

  • Use storytelling, infographics, social media, community newsletters, Facebook groups.

Stakeholders and partners

Potential information needs:

  • technical updates
  • project-specific progress reports
  • updates on collaboration opportunities

To meet their needs, you could:

  • Present updates at regular meetings.
  • Share formal reports and data summaries.

Municipal staff

Potential information needs:

  • role-specific updates
  • clear direction on what work needs to be done or on changes to existing work

To meet their needs, you could:

  • Use internal dashboards.
  • Provide all-staff updates through newsletters.
  • Organize department meetings to share lessons-learned. 
Understand what you are looking for and how you will measure it. 

It is not realistic to track everything—nor is it needed. Focusing on a few key metrics that matter most to your community can help make sure your monitoring and reporting efforts are directed. Priority metrics should be:

  • aligned with your climate adaptation goals (as outlined in your climate adaptation plan)
  • feasible to collect information about given the resources (human and financial) available
  • useful for your audiences and for decision making  

In general, it is helpful to monitor and report on two types of information: progress made implementing your climate adaptation plan (i.e., actions you’ve taken) and reduction of local climate risk (i.e., the impact your actions have had).

Progress on implementing your plan

This is about answering: are we doing what we said we would? What lessons have we learned along the way?

Here are some examples that can help you answer those questions:

Metrics

  • number of climate adaptation actions completed, in progress or delayed
  • percent of budget allocated to climate adaptation projects
  • staff time spent on climate adaptation-related tasks

Monitoring tools

  • a spreadsheet that mirrors your adaptation actions table in your climate adaptation plan
  • project management tools your municipality already uses
  • checklists or short progress forms filled by staff or department leads
  • simple visual dashboards

Monitoring frequency

Depending on your context and capacity, you might choose:

  • ongoing/regular monitoring built into staff role descriptions
  • monthly check-ins (e.g., as part of existing team meetings)
  • quarterly reviews (e.g., on the same timeline as budget updates or council reporting cycles)
  • seasonal updates (e.g., after wildfire season or before summer)
  • after key milestones (e.g., upon completion of a specific adaptation action)

Reporting frequency

Depending on the audience or type of information you are sharing, you might choose:

  • quarterly updates to staff or working groups
  • biannual reports to council and/or community members
  • annual progress summaries through a “climate action year-in-review” newsletter
  • as needed for funding reports or grant-related deliverables
  • every 2-5 years as part of a review of your climate adaptation plan
Reduction of local climate risk

This is about answering: are our climate adaptation efforts having the intended or desired impacts? Might we need to change our approach?

This can be hard to measure directly, especially in the short term. How you answer this question will depend on how you assessed risks in the first place. However, answering these questions does not always require technical data, and useful signals can come from a range of sources. For example, you can gain insights into progress made on reducing climate risks from:

  • conversations with staff or community members (e.g., “Compared to last year, there have been fewer road closures this year due to flooding.”)
  • community climate surveys (e.g., surveys indicating the level of confidence community members have in the adequacy of wildfire responses)
  • interviews or feedback from key partners (e.g., nurses and doctors at the local health-care centre providing information on heat-related health concerns)
  • staff reports (e.g., data on the frequency or severity of service disruption) 
Empower staff for climate adaptation monitoring and reviewing. 
Assign clear roles and responsibilities.

Monitoring and reporting are more likely to succeed when roles and responsibilities are clearly assigned. To do this, clarify who is already responsible for or should be responsible for:

  • collecting and analyzing the information
  • summarizing and sharing the information
Build staff capacity.

You don’t need to be a climate expert to start monitoring adaptation progress. Tools, training and other supports can go a long way. For example:

Tools

  • simple templates or checklists
  • shared spreadsheets that link actions from our climate adaptation plan to responsible staff or departments
  • reporting templates with prompts for lessons-learned

Training

  • webinars or in-house sessions on what monitoring can look like
  • peer-to-peer learning (e.g., staff showing other staff how they track information in their roles)
  • collaboration with neighbouring municipalities for information sharing

Other supports

  • partnerships with local universities or not-for-profits
  • funding or grants for technical support
  • summer or co-op student roles to set up systems
  • qualified professionals 
Learn and adapt as you go. 

Monitoring is not just about tracking and reporting. It is also about learning. Building regular reflections into your municipality’s operations can help make sure you’re getting the most out of your monitoring efforts. Here are some examples of what you can do:

  • Establish an annual reflection session with staff from different departments.
  • Conduct debriefs at the end of climate adaptation projects.
  • Develop a “learning log” where staff can record what worked or did not.
  • Use monitoring insights to inform updates to your climate adaptation plan or priorities.

Examples of reflection questions that can help initiate conversation, build collective knowledge and support improvements over time include:

  • What actions have had the most impact?
  • What has been challenging? Why has it been challenging?
  • Where has the outcome been different than what we expected?
  • What instances have required us to adjust our plans or timelines?
  • What lessons have we learned, and who could we share them with?
  • What successes are we proud of, and who could we share them with? 

Next steps

Explore the Climate-Ready Communities Assessment Tool for additional insight and support in implementing your climate risk assessment and adaptation plan. You can use the tool to evaluate your existing climate adaptation efforts, pinpoint areas for improvement and chart a clear plan for strengthening your community’s adaptation efforts. 

Did you find this page helpful?
Please offer suggestions that will improve the learning center for you:

Featured Resources

Climate-Ready Communities Assessment Tool

Assess your community’s climate adaptation efforts and discover actionable steps to improve resilience

Read more

Course: Building climate resilience with asset management

How to protect municipal infrastructure from climate hazards

Read more

Factsheet: Why equity matters in municipal climate adaptation

Explore the importance of taking on equity-centred climate adaptation work

Read more

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