Refuge by LordAardvark
Shortly after the events that destroyed Raccoon City, survivors Jill Valentine and Claire Redfield take refuge in a secluded cabin during a severe thunderstorm. Claire is sad and feeling down about the lack of news from her brother, and Jill decides to support and comfort her.
Left alone with their thoughts and with each other, they reminisce about their complicated relationships. When Claire reveals that she knows Jill is a futanari, the cold night gets a little hotter very quickly.