Severe convective storms are no longer considered secondary perils, rivaling hurricanes as the costliest insured hazard of the century [Actuary.org]. These storms have small footprints but can cause significant localized damage, such as the EF5 tornado in Joplin, Missouri, in 2011, which resulted in $3.18 billion in total damages [Actuary.org]. Rising construction costs and increased development in storm-prone areas exacerbate the financial impact. Insurers face challenges in pricing and reserving for these events, as traditional models often fail to capture their localized and unpredictable nature. Additionally, the shifting geography of SCS activity, with more storms occurring outside traditional Tornado Alley, poses new risks to previously unaffected regions [Actuary.org].