In the fourth episode of Risk REconsidered, we explore why flood losses are rising across India, Australia and Asia with insights from Vineet Kumar, Swiss Re's Head of Cat Perils APAC, and Andrew Hall of the Insurance Council of Australia. We examine how smarter modelling, richer data and forward-looking planning can help communities build long-term resilience. Commissioner Tony Grindberg joins us to discuss the Fargo–Moorhead Diversion, a leading US flood-protection project that highlights climate adaptation on a large scale.