For low-rise multifamily homes, concrete or concrete-masonry construction costs only slightly more than wood-frame construction. Over the life of the building, however, insurance savings for noncombustible concrete construction can offset the initial cost advantage of wood-frame buildings many times over. Concrete is inherently fire resistant. It is always available to confine fire, provide safe egress for building occupants, and protect firefighters against structure collapse. Also, after a fire, concrete and concrete-masonry construction require less repair; landlords suffer less rent loss.