This episode of the Urban Exchange Podcast explores how risk, resilience and insurance measures come together to support the future of cities. The episode delves into innovative partnerships to strengthen climate resilience in Miami Dade County, with Galen Treuer from Miami Dade explaining how rising insurance costs due to hurricanes and flooding have impacted many residents. Through the Resilient 305 initiative, Miami Dade is collaborating with Miami and Miami Beach to better manage regional climate risks. Peter Adams from insurance firm Howden also joins the conversation to discuss how the Global Risk and Resilience Fellowship (GRRF) aims to bridge the gap between cities and insurers facing climate change. Discover how Miami Dade has worked with vulnerable communities to design parametric policies providing quick flood payouts, and why these policies target timing gaps where smaller flood events disproportionately impact low-income households without support networks. Both Treuer and Adams emphasise the value of sharing local data with insurers. Treuer explains how canal water levels impact flooding in specific neighbourhoods, while Adams demonstrates how collaboration in Miami Dade creates a "safe space" for insurers to innovate based on new discoveries. Finally, you can find out how multidisciplinary partnerships between climate, finance, engineering and other teams can boost resilience in cities, with inclusive collaboration across disciplines necessary to comprehensively address climate change through a variety of policy, engineering and insurance solutions.