One year ago today, the LA wildfires changed lives, neighborhoods, and the way many of us think about risk, resilience, and recovery.

In the first episode of season 3, I interview Shanna McIntyre, co-founder and Chief Data Officer at Delos. Shanna’s journey into the industry began far from it, with a background in physics, aerospace, and satellite data, before she and her co-founder recognized the urgent need to apply serious science to one of the most personal challenges facing homeowners today. We talk about why insurance is such a critical enabler of stability and recovery, how wildfires have exposed the limits of traditional risk models, and what the industry has learned in the year since communities were forced to rebuild.

Shanna shares how Delos’s wildfire hazard models performed during recent fires, and how better data, automation, and climate-aware science can actually expand insurability rather than restrict it. We discuss the role insurers played in recovery, the emotional weight these moments carry for homeowners, and why understanding the full insurance ecosystem is essential to creating equitable, sustainable solutions. What stayed with me most was Shanna’s belief that curiosity is a catalyst for progress: when we truly understand risk, we can price it more fairly, respond faster, and design coverage that meets people where they are, especially when they need it most.