This episode features an interview with Dr. Kelly Hereid, Director of Catastrophe R&D at Liberty Mutual Insurance in the Corporate Enterprise Risk Management Group. Prior to Liberty Mutual, Kelly was a research scientist at Chubb in their primary side natural catastrophe unit. She has a Ph.D. in geological sciences from the University of Texas – Austin, focusing on climate science. On this episode, Kelly talks about using historical data to create catastrophe models, taking a strategic standpoint to invest in resiliency, and reducing vulnerability to changing hazards.