This article is a long-term retrospective study of the reconstruction that followed the 1931 earthquake that struck the city of Napier in Hawke's Bay, New Zealand. It particularly focuses on the positive outcomes in reducing the risk of future disaster at both local and national levels. These were facilitated by three key decisions and strategies: (i) reconstruction was initiated immediately after the disaster; (ii) it was designed as a balance between continuity and change; and (iii) it relied on a decentralised, integrative decision-making process.