It offers a developing conceptual framework that draws upon “climate reparations” insights, as well as concepts of reparative justice and human rights notions of self-determination. It then employs this method of inquiry to briefly assess the recently introduced Insular Area Climate Change Act, which seeks to reduce climate crisis impacts on U.S. territories and freely associated states. It concludes that, while the Act is a significant step forward, climate resiliency for the U.S. territories requires an expansive and particularized reparative effort that advances the territories’ self-determination and prioritizes the peoples’ on-the-ground needs and approaches to decolonization.