When a drought devastates harvests across a country, or a flood inundates a city in a matter of hours, governments face an immediate and existential question: where will the money come from to finance emergency response? For many lowand middle-income countries, the answer has historically been reactive; meaning, emergency budget reallocations, humanitarian appeals, and costly post-disaster borrowing. The problem was rarely a lack of awareness that disasters happen. The problem was a missing link: the analytical capacity to translate complex hazard data into actionable financial strategies before a disaster strikes.

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