WHAT IT COULD LOOK LIKE IF “WE THE PEOPLE” TOOK OWNERSHIP OF OR LAND
WE THE PEOPLE HAVE THE RIGHT AND POWER TO CONTROL OUR OWN DESTINY
Community based insurance plan by zip code
Community Resilience Cooperative Insurance Model: A Case Study of ZIP Code 32738 (Deltona, FL)
Abstract
This paper proposes a cooperative insurance and maintenance model designed to reduce risk, stabilize premiums, and strengthen community resilience. Drawing on FEMA resilience frameworks, insurance risk reduction research, and cooperative finance models, the study presents a pilot implementation in ZIP code 32738 (Deltona, FL). With over 17,500 housing units, the initiative demonstrates how pooled contributions, preventive upgrades, and portable roll-forming technology can transform insurance from a reactive cost into a proactive resilience system. A key design choice is to allow homeowners to retain their insurance savings, strengthening participation incentives while the cooperative manages pooled contributions for upgrades and reserves.
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Introduction
Insurance markets in Florida face mounting strain due to rising premiums, reduced availability, and escalating disaster risk (Kunreuther & Michel-Kerjan, 2011). Communities are caught in a cycle of vulnerability: deferred maintenance increases exposure, disasters trigger costly claims, and insurers respond with higher rates or withdrawal. This paper outlines a **Community Resilience Cooperative Insurance Model** that addresses these challenges by pooling resources, financing preventive upgrades, and leveraging cooperative governance. The model is illustrated through a full ZIP code implementation in Deltona, FL (32738).
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Literature Review
- **FEMA Resilience Programs:** FEMA’s Hazard Mitigation Grant Program and BRIC initiative show that every $1 invested in mitigation saves $6 in future disaster costs (FEMA, 2018).
- **Insurance Risk Reduction:** Research confirms that pre-event mitigation lowers claims and stabilizes premiums (Kunreuther & Pauly, 2006; McKinsey & Company, 2020).
- **Cooperative Finance Models:** Cooperative structures align incentives, distribute risk, and reinvest surpluses for member benefit (NCBA, 2019).
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Case Study: ZIP Code 32738 (Deltona, FL)
**Neighborhood Profile**
- 17,586 housing units; ≈14,600 owner-occupied.
- Median home value: $304,000–$316,000.
- Total property value: ≈$4.4–$4.6 billion.
- Current insurance spend: ≈$36M annually.
**Fund Structure**
- Contribution: $75/month per home.
- Annual inflow at 25% enrollment (3,650 homes): $9.85M.
- Allocation: 50% reserves, 30% hard assets, 20% operations.
- Q1 reserves available for upgrades: $410,625.
**Upgrade Investment Plan**
- Average per-home upgrade cost (24 ga Galvalume PVDF standing seam roof, Florida geometry mix): ≈$16,600.
- Q1 upgrade capacity: ≈25 roofs.
- Annual upgrade capacity (Year 1, 25% enrollment): ≈100 roofs.
- 10-year upgrade capacity (without reinvested insurance savings): ≈3,000 homes.
**Insurance Savings Impact**
- Wind mitigation credits reduce premiums by 20–40%.
- Savings per home: $500–$1,000 annually.
- ZIP-wide savings at 25% enrollment: $1.8M–$3.65M annually.
- In this model, homeowners **retain these savings**, strengthening participation incentives.
**Machine Deployment**
- Portable roll-former (Stangroup SS4E-15): $22,000 (machine + trailer/decoiler).
- Throughput: ≈100–120 roofs annually per machine.
- Break-even: 15 roofs (conservative), 5–8 roofs (if capturing full install margin).
- Capital efficiency: Each machine unlocks ≈$1.6M in annual upgrade value.
**Governance & Legal Structure**
- Cooperative model with member voting rights.
- FHS Maintenance as operational backbone (inspections, lawn care, handyman repairs).
- Reinsurance backstop ensures catastrophic coverage remains with traditional insurers.
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Discussion
The Deltona pilot demonstrates how a cooperative fund can:
- **Lower premiums** by systematically reducing risk.
- **Build financial strength** through reserves and hard-asset collateral.
- **Deliver tangible value** via integrated maintenance services.
- **Scale nationally** by replicating the model across ZIP codes.
Allowing homeowners to retain insurance savings changes the financial trajectory: the cooperative grows more slowly, but participation incentives are stronger. Members see immediate, personal benefit, which increases enrollment and trust. Over time, higher participation offsets slower reinvestment, creating a sustainable balance between individual and collective gain.
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Conclusion
The ZIP 32738 Resilience Cooperative represents a $200M+ opportunity to transform insurance into a proactive, community-driven system. By combining pooled contributions, portable roll-forming technology, and preventive maintenance, the model creates a sustainable framework that lowers risk, reduces premiums, and strengthens communities. Allowing homeowners to keep their insurance savings enhances participation, ensuring the cooperative is both financially viable and socially compelling. This case study illustrates how theory can be translated into practice, offering a blueprint for resilience nationwide.
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References
- Federal Emergency Management Agency. (2018). *Natural hazard mitigation saves: 2018 interim report*. National Institute of Building Sciences.
- Federal Emergency Management Agency. (2021). *Building resilient infrastructure and communities (BRIC) program*. U.S. Department of Homeland Security.
- Kunreuther, H., & Michel-Kerjan, E. (2011). *At war with the weather: Managing large-scale risks in a new era of catastrophes*. MIT Press.
- Kunreuther, H., & Pauly, M. (2006). Rules rather than discretion: Lessons from Hurricane Katrina. *Journal of Risk and Uncertainty, 33*(1–2), 101–116.
- McKinsey & Company. (2020). *Climate risk and response: Physical hazards and socioeconomic impacts*. McKinsey Global Institute.
- National Cooperative Business Association. (2019). *Cooperative business principles and impact*. NCBA CLUSA.
What is Organic and why it matters
Eating organic foods is a popular choice around the entire globe for a variety of reasons, including potential health and environmental benefits. Some people can easily make these food choices, but for many others with limited food source options and restrictive time and financial budgets, the choice is a weighty one.
If you are on the fence about whether or not to choose organic foods, we hope the information we provide in this blog lends more clarity on the subject, and helps you make choices that are best for you.
What Is Organic Food?
The government-regulated system of farming and food production that avoids applying synthetics like pesticides, fertilizers, and genetically modified organisms (GMOs) is commonly referred to as “organic.” Organic farming is a type of agriculture that avoids the use of some typical farming practices; instead, it emphasizes practices that promote ecological balance, conserve biodiversity, and enhance soil and water quality. As much as possible, organic farming works with natural processes, rather than relying on synthetic inputs.
Here's a breakdown of prohibitions for organic growing methods and standards:
No synthetic fertilizers or pesticides (some organic and naturals are allowed)
No synthetic herbicides
No growth hormones for livestock
No medically unnecessary antibiotics
No genetically-modified organisms (GMOs)
No artificial flavors, colors, or preservatives
No sewage sludge
No ionizing radiation
The Organic Label: Certified Standards
To get the official organic label in the United States, products must be comprised of more than 95% certified organic ingredients. If the label states the product is 100% organic, it must be 100% organic.
Have you ever seen the words ‘made with organic’ on a label? This statement means at least 70% of the product’s ingredients have been certified as organic. Equally important, it also means the product’s nonorganic ingredients weren’t farmed using any of the practices banned in organic production.
Under the oversight of the United States Department of Agriculture (USDA), various certifying agencies ensure that the organic standards (which are set by the National Organic Program) are met in full. In the US, the certifying agency that checked to see if the farms or producers met all the requirements is listed on the product packaging.
Organic Certification: More than a List of Don’ts
As noted above, products with the USDA Organic label must meet very specific standards. While these restrictions may be clearly stated in negative terms, on the flip side of the coin a host of actionable positive guidelines exist that, in essence, prioritize sustainable and environmentally-friendly farming methods, natural processes and ecological balance. These include:
A commitment to soil health. Techniques like crop rotation, cover cropping, composting, and regenerative farming help nurture soil health.
Encourage and support biodiversity. By promoting a greater variety of plants and/or animals on the farm, and incorporating native plants, organic agriculture encourages biodiversity.
Ensure humane treatment of animals. Animals are raised in conditions that accommodate their natural behaviors; they are fed organic feed and are not given growth hormones or routine antibiotics.
Why Are Organic Foods More Expensive?
Taken as a whole, organic foods do tend to be more expensive than conventional foods. Here are a few reasons why their cost is usually higher:
Production costs are higher. Organic farming relies less on machinery and more on manual labor for most weeding, pest control, and harvesting. And because they don’t use synthetic fertilizers or pesticides, organic farms need more land to achieve profitable yields. A lower yield equals higher production cost.
Higher cost of organic fertilizers, animal feed, and other materials. To meet standards for organic certification, growers must adhere to strict dietary and environmental rules. Farmers cannot feed the least expensive option of food to their livestock, or apply the cheapest fertilizer to their crops. Accurate records of veterinary visits and every other aspect of growing must be kept for inspections. All of this adds cost to the bottom line.
Specialized farmland, handling and storage. Maintaining farmland to organic standards requires more time and money. To prevent contamination, organic products must be kept separate from non-organic products during processing, storage, and transportation; this requires separate facilities, trucks, and storage areas. Once again, the overall cost builds…
Certification and inspection fees. Obtaining and maintaining USDA Organic certification involves application fees and annual renewal fees; these vary from state to state. Regular on-site inspections are required, with some inspectors also charging travel time and expenses.
Small-scale productions offer limited supplies. Most organic farms are smaller than conventional farms and they produce smaller yields than their counterparts. Supplies of organic foods are generally lower than the demand; this drives up the cost.
These days, many organic farmers will tell you that their profit margin is thin, and it is their passion for growing clean foods for others and their desire to protect and nurture a healthier planet that drives them to continue farming.
Organic or Conventional Foods?
As to whether you should buy organically-grown or conventionally-grown produce and food products, the choice is yours. Naturally, factors such as what you and your family like to eat, what you can afford, and your personal values influence your purchases. Most health professionals agree that the best choice is the one that puts the greatest amount and greatest variety of fruits, vegetables and whole grains in your daily diet.
Keep in mind that in the US, all foods must meet the same safety standards, and as recent food recalls indicate, even organic foods and products are at risk of concerning contamination. So, if organic foods are not available near you or your budget does not allow you to purchase them, know that conventionally grown foods are also nutritious.
That said, research has found that organic foods expose consumers to less pesticide residue, and this may be of significant importance for some individuals at various times in their life, such as during pregnancy, while breastfeeding, or any time the immune system is compromised.
BB’s CORNER MENU BOARD
BB’S CORNER
Kitchen Herbs and Spices
WE SELL ALL OUR SPICES AND HERBS IN GLASS MASON JARS
8oz
16oz
32oz
64oz
ALL OF OUR PRODUCTS ARE ORGANIC AND ALL NATURAL
We partnered with Frontier Co-op to make markup irrelevant.
“This isn’t retail. It’s a revolt.”
Red Chili Pepper Crushed 0.5oz - $2.78 1oz - $3.23 2oz - $4.10 4oz - $7.21
Mexican Oregano 0.5oz - $2.88 1oz - $3.44 2oz - $4.52 4oz - $8.05
Rosemary 0.5oz - $2.895 1oz - $3.47 2oz - $4.58 4oz - $8.17
Aleppo Chili Peppers Crushed 0.5oz - $2.9 1oz - $3.48 2oz - $4.6
4oz - $8.21
Mediterranean Oregano 0.5oz - $2.94 1oz - $3.56 2oz - $4.76 4oz - $8.53
Urfa Chili Peppers Crushed 0.5oz - $2.965 1oz - $3.61 2oz - $4.86
4oz - $8.73
Thyme 0.5oz - $2.97 1oz - $3.62 2oz - $4.88 4oz - $8.77
Sage Crushed 0.5oz - $2.98 1oz - $3.64 2oz - $4.92 4oz - $8.85
Sweet Basil Leaf 0.5oz - $3.02 1oz - $3.72 2oz - $5.08 4oz - $9.17
Lemongrass 0.5oz - $3.07 1oz - $3.82 2oz - $5.28 4oz - $9.57
Spearmint 0.5oz - $3.11 1oz - $3.89 2oz - $5.42 4oz - $9.85
Peppermint 0.5oz - $3.17 1oz - $4.02 2oz - $5.68 4oz - $10.37
Rubbed Sage 0.5oz - $3.30 1oz - $4.28 2oz - $6.20 4oz - $11.41
Parsley 0.5oz - $3.39 1oz - $4.46 2oz - $6.56 4oz - $12.13
Jalapeno Chili Pepper Crushed 0.5oz - $3.41 1oz - $4.49 2oz - $6.62
4oz - $12.25
Fenugreek 3oz - $5.13 6oz - $7.94 12oz - $13.52 24oz - $26.05
Tarragon 0.5oz - $4.94 1oz - $7.56 2oz - $12.76 4oz - $24.53
Brown Mustard Seed 3oz - $5.28 6oz - $8.24 12oz - $14.12 24oz -$27.25
Cilantro Leaf 0.5oz - $3.47 1oz - $4.61 2oz - $6.86 4oz - $12.73
Savory Summer 0.5oz - $3.525 1oz - $4.73 2oz - $7.10 4oz - $13.21
Lemon Peel 0.5oz - $3.55 1oz - $4.77 2oz - $7.18 4oz - $13.37
Spinach Flakes 0.5oz - $3.64 1oz - $4.95 2oz - $7.54 4oz - $14.09
Holy Basil 0.5oz - $3.64 1oz - $4.95 2oz - $7.54 4oz - $14.09
Bay Leaf 0.5oz - $3.94 1oz - $5.55 2oz - $8.74 4oz - $16.49
Celery Seed 3oz - $3.99 6oz - $5.66 12oz - $8.96 24oz - $16.93
Flax Seed 3oz - $4.11 6oz - $5.90 12oz - $9.44 24oz - $17.89
Mustard Seed Yellow 3oz - $4.62 6oz - $6.92 12oz - $11.48 24oz - $21.97
Potato Starch 3oz - $4.65 6oz - $6.98 12oz - $11.6 24oz - $22.21
Course Ground Sea Salt 3oz - $4.68 6oz - $7.04 12oz - $11.72 24oz - $22.45
Cornstarch 3oz - $4.71 6oz - $7.10 12oz - $11.84 24oz -$22.69
Kosher Sea Salt Flakes 3oz - $5.01 6oz - $7.7 12oz - $13.04 24oz - $25.09
Himalayan Pink Salt Ground 3oz - $5.07 6oz - $7.82 12oz - $13.28
24oz - $25.57
Sesame Seed White 3oz - $5.22 6oz - $8.12 12oz - $13.88 24oz - $26.77
Paprika 3oz - $5.34 6oz - $8.36 12oz - $14.36 24oz - $27.73
Fennel Seed 3oz - $5.43 6oz - $8.54 12oz - $14.72 24oz - $28.45
Grey Ground Sea Salt 3oz - $5.46 6oz - $8.6 12oz - $14.84 24oz - $28.69
Cayenne Pepper Ground 3oz - $5.49 6oz - $8.66 12oz - $14.96 24oz - $28.93
Anise Seeds 3oz - $5.55 6oz - $8.78 12oz - $15.20 24oz - $29.41
Poppy Seed 3oz - $5.61 6oz - $8.90 12oz - $15.44 24oz - $29.89
Caraway Seed 3oz - $5.67 6oz - $9.02 12oz - $15.68 24oz - $30.37
Turmeric 3oz - $5.76 6oz - $9.20 12oz - $16.04 24oz - $31.09
Curry Powder 3oz - $6.15 6oz - $9.98 12oz - $17.6 24oz - $34.21
Ceylon Ground 3oz - $6.36 6oz - $10.40 12oz - $18.44 24oz - $35.89
Onion Powder Granulated 3oz - $6.42 6oz - $10.52 12oz - $18.68
24oz - $36.37
Coriander Seed 3oz - $6.45 6oz - $10.58 12oz - $18.8 24oz - $36.61
Vanilla Bean 3oz - $6.51 6oz - $10.7 12oz - $19.04 24oz - $37.09
Chia Seeds Black 3oz - $6.63 6oz - $10.94 12oz - $19.52 24oz - $38.05
Chipotle Chili Pepper Whole3oz - $7.26 6oz - $12.2 12oz - $22.04
24oz - $43.09
Cacao Nibs 3oz - $7.47 6oz - $12.62 12oz - $22.88 24oz - $44.77
Birdseye Chili Peppers Whole 3oz - $7.83 6oz - $13.34 12oz - $24.32
24oz - $47.65
Cocoa Powder Non-Alkalized 3oz - $7.83 6oz - $13.34 12oz - $24.32
24oz - $47.65
Juniper Berry 3oz - $8.07 6oz - $13.82 12oz - $25.28 24oz - $49.57
Black Ground Peppercorn 3oz - $8.22 6oz - $14.12 12oz - $25.88
24oz - $50.77
Ancho Chili Pepper Whole 3oz - $8.25 6oz - $14.18 12oz - $26 24oz - $51.01
Tellicherry Whole Peppercorn 3oz - $8.49 6oz - $14.66 12oz - $26.96
24oz - $52.93
Crystalized Ginger 3oz - $8.52 6oz - $14.72 12oz - $27.08 24oz - $53.17
Ginger (Ground, Fresh) 3oz - $8.61 6oz - $14.9 12oz - $27.44 24oz - $53.89
Allspice 3oz - $8.73 6oz - $15.14 12oz - $27.92 24oz - $54.85
Cinnamon Vietnamese Sticks 3oz - $8.79 6oz - $15.26 12oz - $28.16
24oz - $55.33
Peppercorns Black Whole 3oz - $8.79 6oz - $15.26 12oz - $28.16
24oz - $55.33
Ceylon Sticks 3oz - $12.3 6oz - $22.28 12oz - $42.2 24oz - $83.41
Red Whole Peppercorn 3oz - $12.39 6oz - $22.46 12oz - $42.56
24oz - $84.13
Clove 3oz - $12.48 6oz - $22.64 12oz - $42.92 24oz - $84.85
Horseradish Root Powder 3oz - $7.23 6oz - $12.14 12oz - $21.92
24oz - $42.85
White Whole Peppercorn 3oz - $9.06 6oz - $15.8 12oz - $29.24
24oz - $57.49
Korintje Sticks Cinnamon 3oz - $10.74 6oz - $19.16 12oz - $35.96
24oz - $70.93
Xanthan Gum 3oz - $10.98 6oz - $19.64 12oz - $36.92 24oz - $72.85
White Ground Peppercorn 3oz - $10.98 6oz - $19.64 12oz - $36.92
24oz - $72.85
Green Whole Peppercorn 3oz - $11.19 6oz - $20.06 12oz - $37.76
24oz - $74.53
Grains of Paradise 3oz - $12.06 6oz - $21.8 12oz - $41.24 24oz - $81.49
Star Anise 3oz - $12.54 6oz - $22.76 12oz - $43.16 24oz - $85.33
Nutmeg 3oz - $13.65 6oz - $24.98 12oz - $47.6 24oz - $94.21
Sichuan Whole Peppercorn 3oz - $15.9 6oz - $29.48 12oz - $56.6
24oz - $112.21
Mace 3oz - $15.99 6oz - $29.66 12oz - $56.96 24oz - $112.93
Cardamom Pods 3oz - $17.07 6oz - $31.82 12oz - $61.28 24oz - $121.57
Cumin Seeds 3oz - $6.63 6oz - $10.94 12oz - $19.52 24oz - $38.05
Baking Powder No Aluminum 3oz - $6.84 6oz - $11.36 12oz - $20.36
24oz - $39.73
Chili Powder 3oz - $6.84 6oz - $11.36 12oz - $20.36 24oz - $39.73
Sumac Berries Ground 3oz - $7.02 6oz - $11.72 12oz - $21.08 24oz - $41.17
Garlic Powder Granulated 3oz - $7.14 6oz - $11.96 12oz - $21.56
24oz - $42.13
BB’S CORNER
Grains and Flours
WE SELL ALL OUR GRAINS AND FLOURS IN GLASS MASON JARS
32oz
64oz
ALL OF OUR PRODUCTS ARE ORGANIC AND ALL NATURAL
We partnered with Barton Springs Mill to make markup irrelevant.
“This isn’t retail. It’s a revolt.”
WHOLE BERRIES
Sonora Wheat Berries
$7.55/2LBS $4.46/1LBS
Butlers Gold Wheat Berries $6.93/2LBS $4.15/1LBS
Rouge de Bordeaux Wheat Berries $9.27/2LBS $5.32/1LBS
Stardust Wheat Berries
$6.93/2LBS $4.15/1LBS
Yecora Rojo Wheat Berries $7.13/2LBS $4.25/1LBS
Marquis Wheat Berries
$9.27/2LBS $5.32/1LBS
Danko Rye Berries
$9.05/2LBS $5.21/1LBS
Ryman Rye Berries
$9.05/2LBS $5.21/1LBS
Einkorn Berries
$11.39/2LBS $6.38/1LBS
Spelt Berries
$9.27/2LBS $5.32/1LBS
Mediterranean Wheat Berries $7.55/2LBS $4.46/1LBS
FLOURS
All Purpose Flour
$9.27/2LBS $5.32/1LBS
Sonora Flour
$7.99/2LBS $4.68/1LBS
Butlers Gold Flour
$7.05/2LBS $4.21/1LBS
Rouge de Bordeaux Flour
$9.47/2LBS $5.42/1LBS
Stardust Flour
$7.05/2LBS $4.21/1LBS
Yecora Rojo Flour
$7.13/2LBS $4.25/1LBS
Marquis Flour
$9.35/2LBS $5.36/1LBS
Danko Rye Flour
$8.97/2LBS $5.17/1LBS
Ryman Rye Flour
$8.97/2LBS $5.17/1LBS
Einkorn Flour
$11.73/2LBS $6.55/1LBS
Spelt Flour
$9.27/2LBS $5.32/1LBS
TAM 105 Flour
$7.05/2LBS $4.21/1LBS
Rice Flour
$15.73/2LBS $8.55/1LBS
CORNMEALS
Yellow Cornmeal
$7.13/2LBS $4.25/1LBS
Hopi Blue Cornmeal
$9.01/2LBS $5.19/1LBS
White Cornmeal
$10.53/2LBS $5.95/1LBS
Bloody Butcher Red Cornmeal $11.73/2LBS $6.55/1LBS
GRITS
Yellow Grits
$10.53/2LBS $5.95/1LBS
Hopi Blue Grits
$10.53/2LBS $5.95/1LBS
White Grits
$15.73/2LBS $8.55/1LBS
Red Grits
$16.73/2LBS $9.05/1LBS
POLENTAS
Yellow Polenta
$9.73/2LBS $5.55/1LBS
Hopi Blue Polenta
$10.53/2LBS $5.95/1LBS
White Polenta
$13.73/2LBS $7.55/1LBS
Red Polenta
$15.73/2LBS $8.55/1LBS
BB’S CORNER
Medicine Cabinet Herbs
WE SELL ALL OUR SPICES AND HERBS IN GLASS MASON JARS
8oz
16oz
32oz
64oz
ALL OF OUR PRODUCTS ARE ORGANIC AND ALL NATURAL
We partnered with Frontier Co-op to make markup irrelevant.
horehound herb 4oz-$7.65 2oz-$4.51 1oz-$3.34 0.5oz-$2.83
mugwort herb 4oz-$7.69 2oz-$4.53 1oz-$3.35 0.5oz-$2.835
wormwood herb 4oz-$8.25 2oz-$4.81 1oz-$3.49 0.5oz-$2.905
meadowsweet herb 4oz-$8.41 2oz-$4.89 1oz-$3.53
0.5oz-$2.925
olive leaf 4oz-$8.41 2oz-$4.89 1oz-$3.53 0.5oz-$2.925
eucalyptus leaf 4oz-$8.49 2oz-$4.93 1oz-$3.55 0.5oz-$2.935
pau d'arco 4oz-$8.61 2oz-$4.99 1oz-$3.58 0.5oz-$2.95
european pennyroyal herb 4oz-$8.65 2oz-$5.01 1oz-$3.59
0.5oz-$2.955
mistletoe herb 4oz-$8.69 2oz-$5.03 1oz-$3.60 0.5oz-$2.96
coltsfoot leaf 4oz-$8.93 2oz-$5.15 1oz-$3.66 0.5oz-$2.99
st. johns wort 4oz-$9.09 2oz-$5.23 1oz-$3.70 0.5oz-$3.01
chaste tree berries 4oz-$9.21 2oz-$5.29 1oz-$3.73
0.5oz-$3.025
lemongrass 4oz-$9.57 2oz-$5.47 1oz-$3.82 0.5oz-$3.07
rosehips 4oz-$9.57 2oz-$5.47 1oz-$3.82 0.5oz-$3.07
alfalfa leaf 4oz-$9.61 2oz-$5.49 1oz-$3.83 0.5oz-$3.075
hawthorn leaf 4oz-$9.85 2oz-$5.61 1oz-$3.89 0.5oz-$3.11
cornsilk 4oz-$9.89 2oz-$5.63 1oz-$3.9 0.5oz-$3.11
passion flower herb 4oz-$10.05 2oz-$5.71 1oz-$3.94
0.5oz-$3.13
senna leaf 4oz-$10.05 2oz-$5.71 1oz-$3.94 0.5oz-$3.13
billberry leaf 4oz-$10.25 2oz-$5.81 1oz-$3.99 0.5oz-$3.155
yerba mate leaf 4oz-$10.25 2oz-$5.81 1oz-$3.99 0.5oz-$3.16
cleavers herb 4oz-$10.49 2oz-$5.93 1oz-$4.05 0.5oz-$3.19
white sage 4oz-$10.97 2oz-$6.17 1oz-$4.17 0.5oz-$3.25
raspberry leaf 4oz-$11.05 2oz-$6.21 1oz-$4.19 0.5oz-$3.26
comfrey leaf 4oz-$11.21 2oz-$6.29 1oz-$4.23 0.5oz-$3.28
stinging nettle leaf 4oz-$11.29 2oz-$6.33 1oz-$4.25
0.5oz-$3.29
lemon verbena leaf 4oz-$11.45 2oz-$6.41 1oz-$4.29
0.5oz-$3.31
mullein leaf 4oz-$11.73 2oz-$6.55 1oz-$4.36 0.5oz-$3.34
hyssop herb 4oz-$11.97 2oz-$6.67 1oz-$4.42 0.5oz-$3.37
ginko leaf 4oz-$12.41 2oz-$6.89 1oz-$4.53 0.5oz-$3.43
lemon balm leaf 4oz-$12.53 2oz-$6.95 1oz-$4.56 0.5oz-$3.44
catnip herb 4oz-$12.57 2oz-$6.97 1oz-$4.57 0.5oz-$3.45
motherwort 4oz-$12.57 2oz-$6.97 1oz-$4.57 0.5oz-$3.45
damiana leaf 4oz-$12.69 2oz-$7.03 1oz-$4.6 0.5oz-$3.46
gotu kola 4oz-$13.05 2oz-$7.21 1oz-$4.69 0.5oz-$3.51
stevia herb 4oz-$13.09 2oz-$7.23 1oz-$4.7 0.5oz-$3.51
horsetail herb 4oz-$13.45 2oz-$7.41 1oz-$4.79 0.5oz-$3.56
holy basil 4oz-$14.09 2oz-$7.73 1oz-$4.95 0.5oz-$3.64
hibiscus flowers 8oz-$14.85 4oz-$8.11 2oz-$5.14 1oz-$3.73
uva ursi leaf 4oz-$14.85 2oz-$8.11 1oz-$5.14 0.5oz-$3.73
blessed thistle herb 4oz-$15.01 2oz-$8.19 1oz-$5.18
0.5oz-$3.75
yarrow flowers 8oz-$15.49 4oz-$8.43 2oz-$5.3 1oz-$3.81
feverfew herb 4oz-$16.41 2oz-$8.89 1oz-$5.53 0.5oz-$3.93
scullcap herb 4oz-$16.89 2oz-$9.13 1oz-$5.65 0.5oz-$3.99
elder flowers 8oz-$20.85 4oz-$11.11 2oz-$6.64 1oz-$4.48
psyillium seed 24oz-$21.01 12oz-$11.19 6oz-$6.68 3oz-$4.50
german chamomile flowers 8oz-$25.33 4oz-$13.35 2oz-$7.76 1oz-$5.04
linden flowers 8oz-$27.09 4oz-$14.23 2oz-$8.2 1oz-$5.26
hawthorn berry 24oz-$27.97 12oz-$14.67 6oz-$8.42 3oz-$5.37
comfrey root 20oz-$29.73 10oz-$15.55 5oz-$8.86 2.5oz-$5.59
roasted chicory 20oz-$30.33 10oz-$15.85 5oz-$9.01
2.5oz-$5.67
jasmine flowers 8oz-$32.29 4oz-$16.83 2oz-$9.5 1oz-$5.91
aged cascara sagrada bark 20oz-$33.73 10oz-$17.55 5oz-$9.86 2.5oz-$6.09
willow bark 20oz-$33.93 10oz-$17.65 5oz-$9.91 2.5oz-$6.12
lavender flowers 8oz-$34.37 4oz-$17.87 2oz-$10.02 1oz-$6.17
wild cherry bark 20oz-$34.53 10oz-$17.95 5oz-$10.06
2.5oz-$6.19
clover blossoms 8oz-$35.97 4oz-$18.67 2oz-$10.42 1oz-$6.37
pink rose buds & petals 8oz-$36.05 4oz-$18.71 2oz-$10.44 1oz-$6.38
safflower petals 8oz-$38.13 4oz-$19.75 2oz-$10.96 1oz-$6.64
red rose petals 8oz-$39.17 4oz-$20.27 2oz-$11.22 1oz-$6.77
licorice root 20oz-$39.93 10oz-$20.65 5oz-$11.41 2.5oz-$6.87
thistle seed 24oz-$40.93 12oz-$21.15 6oz-$11.66 3oz-$6.99
calamus root 20oz-$46.53 10oz-$23.95 5oz-$13.06 2.5oz-$7.69
stinging nettle root 20oz-$47.13 10oz-$24.25 5oz-$13.21
2.5oz-$7.77
indian sarsaparilla root 20oz-$48.73 10oz-$25.05 5oz-$13.61 2.5oz-$7.97
marshmallow root 20oz-$49.33 10oz-$25.35 5oz-$13.76
2.5oz-$8.04
burdock root 20oz-$50.33 10oz-$25.85 5oz-$14.01 2.5oz-$8.17
dandelion root 20oz-$50.33 10oz-$25.85 5oz-$14.01
2.5oz-$8.17
valerian root 20oz-$50.53 10oz-$25.95 5oz-$14.06 2.5oz-$8.19
licorice sticks 20oz-$51.73 10oz-$26.55 5oz-$14.36 2.5oz-$8.34
frankincense tears 28oz-$52.17 14oz-$26.77 7oz-$14.47
3.5oz-$8.40
yellowdock root 20oz-$53.13 10oz-$27.25 5oz-$14.71
2.5oz-$8.52
ashwagandha root powder 24oz-$56.29 12oz-$28.83 6oz-$15.5 3oz-$8.91
astragulus root (ground) 24oz-$59.89 12oz-$30.63 6oz-$16.40 3oz-$9.36
elderberries 24oz-$61.33 12oz-$31.35 6oz-$16.76 3oz-$9.54
gravel root 20oz-$62.53 10oz-$31.95 5oz-$17.06 2.5oz-$9.69
aronia berries 24oz-$63.01 12oz-$32.19 6oz-$17.18 3oz-$9.75
echinacea ang. root (purple) 20oz-$63.73 10oz-$32.55
5oz-$17.36 2.5oz-$9.84
oregon grape root 20oz-$63.73 10oz-$32.55 5oz-$17.36 2.5oz-$9.84
orris root 20oz-$66.73 10oz-$34.05 5oz-$18.11
2.5oz-$10.215
gentian root 20oz-$70.33 10oz-$35.85 5oz-$19.01 2.5oz-$10.67
goji berries 24oz-$73.81 12oz-$37.59 6oz-$19.88 3oz-$11.10
bee pollen 24oz-$77.89 12oz-$39.63 6oz-$20.9 3oz-$11.61
saw palmetto berries 24oz-$78.61 12oz-$39.99 6oz-$21.08 3oz-$11.7
myrrh gum 28oz-$80.17 14oz-$40.77 7oz-$21.47 3.5oz-$11.90
cohosh root black 20oz-$86.13 10oz-$43.75 5oz-$22.96 2.5oz-$12.64
schisandra berries 24oz-$103.81 12oz-$52.59 6oz-$27.38
3oz-$14.85
angelica root 20oz-$108.33 10oz-$54.85 5oz-$28.51
2.5oz-$15.42
slippery elm inner bark (powder) 24oz-$111.25 12oz-$56.31 6oz-$29.24 3oz-$15.78
goldenseal root powder 24oz-$170.53 12oz-$85.95
6oz-$44.06 3oz-$23.19
arnica flowers 8oz-$297.49 4oz-$149.43 2oz-$75.8 1oz-$39.06
dandelion leaf flakes 4oz-$11.57 2oz-$6.47 1oz-$4.32 0.5oz-$3.32
BB’S CORNER
Teas
WE SELL ALL OUR TEAS IN GLASS MASON JARS
8oz
16oz
32oz
64oz
ALL OF OUR PRODUCTS ARE ORGANIC AND ALL NATURAL
We partnered with Frontier Co-op to make markup irrelevant.
8oz tea selection
special pin head gunpowder green Green $2.92
china black Black $3.15
bancha leaf Other $3.17
rooibos tea Other $3.24
chai black Black $3.25
china green Green $3.28
young hyson green Green $3.31
irish breakfast black Black $3.34
english breakfast black Black $3.39
assam black Black $3.40
sencha leaf Other $3.48
indian green Green $3.49
earl grey black Black $3.50
gunpowder green Green $3.54
ceylon black Black $3.56
earl grey green Green $3.59
jasmine green Green $3.63
kukicha twig roasted Other $3.72
lapsang souchong Other $3.87
dragon well green Green $3.89
kumaon black Black $3.90
darjeeling black Black $4.05
white peony Other $4.29
se chung oolong Other $4.35
nepali green Green $4.42
japanese matcha powder Other $25.54
“Blueprints for Liberation: The Jared’s Den Ecosystem”
OUR MISSION
Jared’s Den exists to dismantle the manipulative consumerism machine-viciously, transparently and unapologetically
Jared and Tracy Finell are building systems that honor people over profit, clarity over confusion and empowerment over exploitation. Every product, every process, every service offered is a stand against the status quo. We are committed to refocusing our community’s resources to serve our community.
JARED’S DEN IS A FAMILY OF BRANDED PRODUCTS AND SERVICES
OUR VISION
To raise the standard and lower the cost-without lowering our integrity
We envision a decentralized, regenerative economy where we unlock a new model of living. A more localized, resource-conscious rhythm of life. Where work, sustenance and community are interwoven. Where our time, our energy and our money stay local.
Jared’s Den is not just a brand-it’s a blueprint for liberation
THE JARED’S DEN ECOSYSTEM
BB’s Corner
An All-Natural Brand of Herbs and Spices sourced from Frontier Co-Op, Grains and Flours sourced from Barton Springs Mill. These are our trusted vendors that we have teamed up with based solely on their commitment to high quality organic and regenerative farming practices.
We have meticulously built our packaging around sustainability. Not just environmental but societal as well. We package all of our pantry staples in American made glass jars that we source from Fillmore Container. We do this because glass is infinitely reusable and recyclable. Glass jars will never leach chemicals into or out of anything placed inside of it.
Even our label placement is designed so that the product is center staged. By placing our labels on both the bottom of the jar and the top of the lid, we are able to show you exactly what you are getting. No fillers, no fluff just purity in a pure glass jar.
BB’s Corner is a crafty brand that also produces handmade candles, soaps and cleaners. We offer a variety of soy wax candles that emit the most amazing smells. They fill up any size room with your favorite fragrance and glow with the ambiance that only a candle can provide. We use a 16oz glass jar and 2 wicks to achieve the best candle experience ever. Our handmade soaps are meticulously made with organic essential oils and all natural soap bases to ensure that our standards are kept above the competition.
Jared’s Den Customs
A natural organic way to furnish your home. A brand focused on sustainability for all. We have scoured the land searching for and connecting with small wood mills throughout the country. Why, you ask? Because we care, not only about ourselves and our local neighborhood community. We care about the land, the ocean and the rivers too. All too often the resources of this planet get bought, gathered and shipped to somewhere else. To be used for someone’s dream project. Brazilian Walnut, Ironwood, Zebrawood... The list goes on forever. Yet we have trees here, we even trim and cut them down for a number of reasons. For the most part they get trashed, cut up into small enough pieces that they can be easily moved to the landfill. There are some of us who know better, and we find ways to eliminate the waste.
By sourcing through these smaller mills we are able to find unique slabs that we use to build one-of-a-kind furniture pieces that we proudly brand JARED’S DEN CUSTOMS.
We use age old finishing techniques that stand the test of time. We do this to eliminate plastic as a means of finishing. We honor the materials, the craft and the legacy of the craftsmen that came before us. Jared’s Den Customs is a passion driven shop where excellence flows like the mighty Mississippi River and creativity is our standard.
FHS MAINTENANCE
A Jack-Of-All-Trades brand devoted to providing a simple way to maintain what is and build a better tomorrow for our community. A simplified pricing structure designed to lower the cost of home maintenance, shorten the distance between tradesmen and the jobs, and centralize the resources of the community for the community. All while maintaining the highest level of quality. We are the only firm to publish our prices.
Built on Trust: Why Transparency Is Our Strongest Tool
Trust isn’t a promise. It’s a system you can verify.
Homeowners don’t lose trust because something goes wrong—they lose trust when they’re kept in the dark. Jared’s Den is built on the belief that if you can see what we see, you can trust what we do.
What transparency looks like:
- Scope clarity: Line‑itemed estimates—no vague catch‑alls.
- Predictable pricing: Time, materials, and complexity, visibly calculated.
- On‑site accountability: Tech check-in/out, reconciled with scope.
- Proof of work: Photo-stamped Transparency Reports.
- Clear warranties: Upfront terms, no surprises.
- Communication cadence: You know the next step before we take it.
Why it matters:
Transparency reduces friction for clients and drives discipline in our teams. It’s not a marketing word—it’s operational strategy.
**Your steps to verify:**
- Request scope line-items
- Ask for the Transparency Report
- Confirm warranty terms in writing
- Know your tech and escalation contact
Request a sample Transparency Report
The Art of the Trades: Restoring Pride in Skilled Work
Craftsmanship is character made visible.
The trades built our homes and neighborhoods. Somewhere, speed replaced standards. We’re restoring the pride by making craftsmanship non-negotiable.
Our definition of craft:
- Fit and finish standards: Miters tight, seams clean, transitions invisible.
- Preparation equals outcome: Substrate matters, finish reflects it.
- Material logic: The right product for the job—always.
Systems that protect it:
- Role ladders and certifications—not just titles.
- Standard operating procedures for every service.
- Peer review culture—quality isn’t personal, it’s required.
What you'll feel on your job:
- Before/after evidence
- Durability and detail
- Clean workspaces and calibrated tools
We hire for integrity and train for excellence. Craft is how we prove it.
Meet your technician team
Clarity in Chaos: How Operational Discipline Creates Peace of Mind
Clarity is the calm in the middle of the project.
Most service stress isn’t the work—it’s the uncertainty. At Jared’s Den, we remove friction with predictable rhythms and disciplined communication.
Our 10-step operating rhythm:
1. Intake
2. Scope assessment
3. Line‑item estimate
4. Scheduling
5. Pre‑arrival protocol
6. On‑site workflow
7. Quality assurance
8. Transparency Report
9. Clear invoice + warranty
10. Follow-up check-in
Built-in clarity:
- Response times you can count on
- Change-order process explained before it’s triggered
- Single point of contact—not a phone tree
When everyone sees the same plan, peace of mind follows—even if the job is complex.
**Prep tips:**
- Clear staging access
- Notes on pets/parking/gates
- HOA restrictions or repair history
Download our Onboarding Packet
The Story of Process and How it Works
Marcus pulled into the quiet Deltona neighborhood just after nine, the sun already warming the pavement and casting long shadows from the palms lining the street. The Martins’ home stood modest and well-kept, a single-story ranch with a wraparound porch and a mailbox that leaned slightly to the left. It was the kind of house that had seen years of life—birthdays, late-night talks, maybe a few arguments—but now it was preparing for a new chapter.
Sarah greeted him at the door, her smile polite but tired. She was dressed in jeans and a soft gray tee, her hair pulled back in a loose bun. Inside, the house smelled faintly of lemon cleaner and old wood. Tom’s voice echoed from the kitchen speaker—he was calling in from his office across town.
“We’re relocating,” Sarah said, gesturing toward the living room. “Tom’s job is taking us to North Carolina. We’re planning to rent this place out, but it needs… well, everything.”
Marcus nodded, already scanning the space. The great room opened wide, with vaulted ceilings and a wall of windows that spilled light across the hardwood floors. Off to the left was the dining room, compact but elegant, and beyond that, a small office with built-in shelves and a view of the backyard.
He moved methodically, measuring each room with practiced steps. Three bedrooms, each about 120 square feet. Two full bathrooms and a half bath tucked near the laundry. The office was cozy, maybe 100 square feet. The great room stretched nearly 400, and the dining room added another 150. Every space had its own quirks—nail holes, scuffed baseboards, a few water stains near the ceiling vents.
Marcus jotted notes as he walked, counting doors—three exterior, six in the bedrooms, three for the bathrooms, and two hall closets. Fourteen in total. He measured trim, estimated surface area, and mentally calculated the gallons of paint needed to cover walls, ceilings, and every inch of glossy trim.
Back at the kitchen island, he laid out the quote.
“For labor,” he began, “we’d be looking at twenty-two credits. That covers everything—walls, ceilings, trim, patching, prep, and two coats throughout. That comes to twenty-five hundred flat.”
Sarah raised her eyebrows. “Just for labor?”
Marcus nodded. “It’s our prepaid credit model. It’s designed to simplify quoting and reduce upfront cost. If we priced this out using our standard hourly rate—$150 an hour—you’d be closer to twenty-eight hundred in labor alone. And that’s before materials.”
Tom’s voice crackled through the speaker. “So the credit system saves us money?”
“Exactly,” Marcus said. “And with the credit model, you don’t pay for materials until the job starts.”
Sarah leaned in. “How much are we talking for paint?”
Marcus flipped to the next page. “You’re looking at about forty-nine gallons total. That includes flat paint for the walls, ceiling paint, gloss for the trim and doors, and primer. If you supply it, retail cost is around seventeen-fifty. If we supply it, we add a fifteen percent sourcing fee, which brings it to just over two thousand.”
Sarah exhaled slowly. “So all in, we’re looking at…”
“About forty-five hundred if you go with the credit model and we supply the paint,” Marcus said. “If you prefer the standard rate, it’s closer to forty-eight hundred—and we’d split that fifty-fifty. So you’d pay twenty-four hundred up front.”
Tom was quiet for a moment. “That’s a lot.”
Marcus nodded. “It is. But if that’s too much to take on now, we can rework the payment structure. With our lowest entry plan, we break the total into four milestones—thirty percent at booking, thirty when the tech arrives, thirty when the tech wraps up, and the final ten at inspection. That brings your upfront to just under fifteen hundred.”
Sarah looked at the quote again, then at the speaker. “Tom?”
“Let’s go with the credit model,” he said. “It’s cleaner. We’ll handle the paint ourselves.”
Marcus smiled. “Perfect. I’ll lock in the Lite, Mid, and Pro packs, and we’ll get your home renter-ready.”
As he packed up his clipboard, Sarah walked him to the door. The house behind her was still the same—sunlight on the floors, quiet in the corners—but now it felt like it was waiting. Not for a new coat of paint, but for the next story to begin.