Dr. Howard Botts is Cotality’s Chief Scientist. Dr. Botts works closely with Cotality’s climate change and natural hazard scientists and geo-spatial professionals who generate and maintain solutions for the insurance, real estate, capital markets, mortgage, banking, and energy industries. With more than 40 years of experience in geo-spatial and natural hazard modeling, Dr. Botts is a recognized expert in developing climate change and natural hazard risk solutions. His work has been published extensively. He frequently presents to business and professional organizations on a variety of topics, climate change impacts on the real estate ecosystem, natural hazard risk, and weather forensics. Dr. Botts earned both a Bachelor of Arts and a Master of Arts degree in Geography from California State University at Northridge and received a Ph.D. in Geography from the University of Wisconsin-Madison.