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# 2026 Performance series Affordability Series
1 Jan. 29
Purpose of a House: Desired Outcomes
A house as an environmental separator and performance system.
Discussion
  1. What outcomes do homeowners actually prioritize vs. what building professionals think they prioritize?
  2. For a tight-budget Fort Collins home, which outcome do you protect first - durability, comfort, IAQ, or operating cost - and what stays at code-minimum?
  3. When an energy upgrade changes drying potential or surface temperature, who proves the assembly still works - designer, builder, HERS rater, or code official?
The Real Story of Housing Costs
Where the money actually goes in a new home.
Discussion
  1. Which line item is most misunderstood by the public, and what evidence would you show to prove it is real rather than developer markup?
  2. How much of a home's final price is driven by choices made before construction starts?
  3. What cost should be shown separately in public debate: land, fees/taps, site infrastructure, financing delay, builder margin, or lifecycle operating cost?
2 Feb. 26
Environmental Conditions & Stressors
The external environment the building must withstand.
Discussion
  1. Which Fort Collins climate stressor is most underestimated by local builders?
  2. Which products or details are most vulnerable to high-altitude UV here: WRB exposure, sealants, claddings, roofing, or window finishes - and who verifies exposure limits?
  3. When rainfall, smoke, or freeze-thaw risk exceeds assumptions in adopted code, which upgrades should be voluntary best practice and which should become permit requirements?
Land, Zoning & Entitlement
How land-use rules drive per-home land cost.
Discussion
  1. What's the single biggest zoning constraint driving up per-unit land cost in Fort Collins, and is the outcome it protects worth the cost?
  2. On a specific Fort Collins corridor or infill lot type, which constraint would stop a 50% yield increase first: parking, height, setbacks, stormwater, fire access, financing, or opposition?
  3. Which nearby Colorado zoning rule should Fort Collins test first, and what local condition might make it fail here?
3 Mar. 26
Loads on Buildings & Occupants
How environmental conditions turn into forces and stressors.
Discussion
  1. Which load is most often missed before construction in Northern Colorado: wind-driven water, snow drift, solar gain, expansive soil movement, or occupant moisture - and what is the first visible consequence?
  2. Occupant-generated loads (moisture, heat, CO2) grow as houses get tighter. Are we adapting fast enough?
  3. When occupant behavior creates loads the design did not anticipate, should the fix be better equipment, better envelope design, or better owner handoff?
Fees, Taps & Permitting Friction
Soft costs that don’t feel soft when you add them up.
Discussion
  1. What’s the total fee burden per unit in Fort Collins today, and how does it compare to neighboring communities?
  2. Which fee or process step adds the most cost relative to the actual value it provides?
  3. Using an agreed project size, interest rate, and draw schedule, how much does one extra review cycle cost - and who currently bears it?
4 Apr. 30
Failure Mechanisms & Failure Modes
How materials and systems degrade - and how failures show up.
Discussion
  1. Which failure mechanisms are most consequential in Fort Collins' climate - and which get the most (or least) attention from local builders?
  2. Which inspection checkpoint during the typical residential build sequence do you think does or would catch the highest-consequence failure chain? Where would you put it and what would you look for?
  3. When a failure shows up (stain, mold, crack), to what extent do construction professionals trace the chain back to mechanism vs jump to “bad product” or “bad trade” and put a quick fix on it?
Infrastructure, Utilities & Site Dev.
“Before the first stick” costs that tilt the math.
Discussion
  1. For debate: Fort Collins' LCUASS residential local street standard requires a 30-foot roadway with curb, gutter, and sidewalk on both sides (connector locals: 36 feet). Could a narrower cross-section with swale drainage achieve the same safety outcomes at lower cost?
  2. Landscaping standards (tree counts, caliper requirements, mandatory irrigation) scale by site and frontage but not by dwelling size - an 800 sq ft cottage on a similar lot faces many of the same obligations as a 2,400 sq ft home. Should requirements scale with unit size?
  3. When a small development must fund off-site infrastructure upgrades, who should bear that cost - the project, the city, or the future users of that infrastructure?
5 May 28
The House as a System
Most failures come from interactions of heat, air, and moisture.
Discussion
  1. What's a real example of a change in one building system that created an unexpected failure in another?
  2. As homes get tighter in Northern Colorado, which risk becomes the first serious field problem: under-delivered ventilation, pressure imbalance, attic or roof moisture, cooling comfort, or occupant operation?
  3. When each trade owns only one scope, where should house-as-a-system responsibility live: design details, trade scopes, builder coordination, inspection checkpoints, or performance testing?
House Size, Program & Design
Biggest early hard-cost decisions.
Discussion
  1. Which design decisions in the first week of a project lock in the most cost for the remaining 6 months?
  2. When local new homes end up larger than the household actually needs, who's driving the extra size: buyers, lenders, appraisers, zoning, parking norms, builders, or resale risk?
  3. Could Fort Collins support a market for well-designed homes under 1,000 sq ft, and what barriers prevent it?
6 Jun. 25
The Four Control Layers
Core tools for controlling flows and preventing failures.
Discussion
  1. Which control layer is most commonly compromised (discontinuous) at transitions and penetrations in local builds? Are discontinuities typically a design problem or an installation problem?
  2. At control layer transitions (wall-to-roof, wall-to-foundation, window rough openings, etc.), who owns continuity? Is that ownership ever written into the contract? How is that ownership enforced (design review, QA inspection, testing, etc.)?
  3. When a project gets value-engineered, which control layer is most likely to absorb the cut, and why (risk tolerance, inspection visibility, owner awareness, cost impact, etc.)?
Materials & Labor
Where construction dollars get spent.
Discussion
  1. Which material substitution saved money on paper but failed after labor, waste, inspection, or callback costs were included?
  2. On Northern Colorado projects, which constraint most often controls the schedule: framing, concrete, plumbing, electrical, HVAC, drywall, or inspection availability, and where does the cost show up first: idle days, price premiums, resequencing, rework, or callbacks?
  3. Which detail or assembly should local builders standardize because cutting trade handoffs, labor hours, inspection risk, or callbacks justifies paying more for materials?
7 Jul. 29
Bulk Water Control
Bulk water is the #1 cause of building failure, so we examine WRBs, cladding, and roofing.
Discussion
  1. What's the most common bulk water failure you've seen in Northern Colorado, and could it have been caught during construction?
  2. At which details does product choice matter less than sequencing, and at which details can the wrong product defeat an otherwise good sequence?
  3. Assume water gets behind the cladding. Where does it drain to daylight, how will the assembly dry, and what must be verified before cover-up?
Alternative Building Systems
Treating “alternative” methods as math problems, not fads.
Discussion
  1. Think of an alternative-system project you built, priced, financed, or reviewed in Northern Colorado. Where did the expected savings survive, and where did they disappear?
  2. For one selected system, which single barrier kills the pro forma first here: code acceptance, inspection protocol, logistics, financing, insurance, local trades, or buyer acceptance?
  3. If you were building 50 identical units in Fort Collins today, would you choose stick-frame or an alternative, and why?
8 Aug. 27
Air Leakage & Vapor Control
Air movement carries far more moisture than diffusion.
Discussion
  1. On a Northern Colorado rough-in blower-door test, which leak did smoke, infrared, or pressure diagnostics reveal that plans and visual inspection missed, and which fix bought the most CFM50 reduction per crew-hour?
  2. After air-barrier continuity is addressed, in which assemblies used in Fort Collins does vapor-retarder selection remain a first-order decision, and what drying path makes that choice safe?
  3. What blower door number should Fort Collins builders target, and where's the practical floor before mechanical ventilation becomes non-negotiable?
Energy Codes, Performance Targets
Balancing upfront cost with long-term value.
Discussion
  1. For current Fort Collins code and utility rates, which required energy measures have the strongest and weakest 10-year affordability case?
  2. For Fort Collins' next energy-code cycle, which default is more affordable: a prescriptive package with predictable compliance cost or a measured target with added verification cost but more design flexibility, and at what per-unit testing cost does your answer flip?
  3. If a $20K high-performance package does not lower total monthly housing cost at current Fort Collins rates, which measured non-energy outcome, if any, justifies it?
9 Sep. 24
Heat Flow & Condensation Mgmt.
Thermal control is also moisture and durability control.
Discussion
  1. On a Northern Colorado project, which comfort or moisture complaint led you to investigate a thermal bridge, what evidence confirmed or ruled it out, and what fixed the problem?
  2. In our climate (hot summers, cold dry winters), where is condensation risk highest - and is it the same location summer vs. winter?
  3. At which details does continuous insulation earn its cost through durability or comfort even when energy payback is weak?
Financing & Risk Premiums
How time, uncertainty, and risk show up in the price.
Discussion
  1. On a recent Northern Colorado project, which financing or risk allowance was largest: land carry before approval, construction interest, rate-lock protection, contingency, or absorption delay, and what did the lender or capital partner require before pricing it lower?
  2. On a Northern Colorado project, which, if either, changed the pro forma more: hail-driven premium pricing or wildfire-driven coverage availability, and did the insurer recognize any verified mitigation?
  3. If approval timelines were predictable (even if not shorter), how much risk premium would come out of housing costs?
10 Oct. 29
Assemblies
Bringing control layers and goals together in real assemblies: walls, roofs, transitions, windows & doors.
Discussion
  1. On a Northern Colorado project, which interface passed initial inspection but later failed because of differential movement, fastener withdrawal or shear, or adhesive bond loss, and what would you now detail or test differently?
  2. What's the simplest wall assembly that reliably performs in Fort Collins' climate, and why isn't everyone building it?
  3. When a proven assembly from another climate zone is imported here, which performance assumptions break first?
Reg. & Community Process Reform
Removing friction without lowering legitimate standards.
Discussion
  1. Which Fort Collins reform would remove the most time and carrying cost from an infill housing project: by-right missing-middle approval, preapproved plans, published review timelines, fee scaling, or concurrent review, and who would object?
  2. For a Fort Collins missing-middle infill project that meets published zoning and building standards, which one issue should still trigger discretionary review: a documented infrastructure capacity shortfall, a site-specific life-safety condition, neighborhood character, or none?
  3. If Fort Collins adopted single-window or concurrent review, which department handoff would still control the critical path?
11 Dec. 3
HVAC, IAQ & Mechanical Integration
Mechanical systems as part of the building performance system.
Discussion
  1. For tight Northern Colorado homes, how does installed HVAC capacity compare with the Manual J design load, and what comfort, humidity, cycling, or equipment-life consequence, if any, follows?
  2. How should ventilation strategy change as houses get tighter - and who should own the design, the HVAC contractor or a separate specialist?
  3. Before closeout of a tight Fort Collins home, which failed measurement should block handoff: delivered ventilation, room airflow, pressure balance, or duct leakage, and who verifies it against the project design or adopted test protocol?
Effort to integrate all
Turning a year of conversations into a usable tool to increase housing affordability in Northern Colorado.
Discussion
  1. Re-rank the playbook's Top 10 for Fort Collins: which three levers belong at the top after accounting for local feasibility, overlap, and who controls them?
  2. What can this group deliver in the next 12 months without waiting for new policy, who owns it, and what metric will show progress?
  3. In 60 seconds to city council, which one cost chain would you explain with numbers: yield, fees/taps, infrastructure, delay/carry, house size, or financing risk?

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