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3f8CIwreJoKRwHHRNXfc3DNWM71mKy3t5exrop26P5rHHY0mUqm1lVsbKWnnDQTlzxbGV59ZITZ8usdKDHBDQ2iK9F6vfUB0grpmGa91nasCvrC6\/WM5U8ZNsoPOE9M9PzwMr016N2kvY8ZRIAMURhHkVJtB4N1b2Bpu5pnaPicwDWxQ6W04JQ8TcOCpylEWZXqobIrxvvIA0g+9sasM6amltxQL1HJloG6A0S61Ub664U1cqXwJeQqFLw6oWZiOVL1dQX6EzeKferZKHeDeaIhnycb4A2x0HQsQCeYK1i4SkVrsGZl5S4CmlJcX39kfiyGmG6vNsWrwsoV0aS2zbZITV5hLyeNQJXk6oO4qPcEy6krNhbUDDnmsRSf+mf26wvePVfpj1F0ydqrPjgZcyx0Air4vlAmKn3EciYw3pqRbDuy154olvl5p64Tw2oXgVZxmjxWvQwbHYLisLJtn3Z1erc4TLEyQPLFDlfa9IoRQIRBxn3s3hz5EO6cIdL7SnhflkOSfmtg+STpJ7mDuwBNOvFH7Df6mCEHQoizA88oPitjjNQx26tuy9\/RlhBtotD8wCEuvYFBJYNXo7yH586+EGrAtsMHdMjMBGTmW1EP0pYu4h5mVmEjzY+b7cqJzPrmvGFWDaTX7swykGP8f9RDvrZ1aGXbyap2g\/+XkUhOyp5NR3LVU4mA6OdFUZE6ZSjHSHUKJkuqSKXu88WBlUhpFe8CYDRj1THd3C+ZeiJ6hQOxp\/OneL0GSvZhWzbU0RwtIapaJ1YRNV\/GmKqhngj13dv7gFeP1PxQkVqBn5UzWhs3PVbGkFwJegEx8Bfs6CxjxC94FLxZBY4KzlU12fwmw21399wcOVPJSIycKQTrJU\/XCfyUGcdG4CPAUruHEUp2w69ttsTJZJAYgfLtyFdgGHF5pD8aFCTRTWXUZmkMLguEcAgpH7arz8FKV0g1IaIZaI\/acyeYUakBLvrOgNvJAwxRDhfCCL7lXrLflPb6K0n63wbWe7K3WK\/Nr1VH5ZtSiyuXoAU+brZ7e\/P1urL8yJlyNmguU0F8zQL+3neFy\/RDo7GR4edOQVB5aJgPhJB2DwlbVUf8BTvhRuAkWnEQuKSJrCXOfGZj0urGeVRODLMN+\/FzwuAUeMFgVju77pzMCSEL8AhbZDAGeD\/kvT6IXh8q4y7jhFuOkGXOe7zM04DE5QBNnrQCWEjzjPYv2EATI2+fCIGFDRjQMQ0949gA67xUpQ8so+YTG2SCeeV2Hvk08KQOXiGH9Xqb3y\/kF3JMRTmfZ\/EBdWKdV7i0S2SrsSSt7vJorlZjqXZ8rKVw2BOOfXgFisj+cvAjhqHsOMy4dM+9zJo8C0mMV7yxCoWl50\/zFFhcyOUlq82BUFhzBOcBTLkGZJGFJi8GVfaWAKwt\/OOu7adA0JO+V3Q78Em1BlFpolCCcb4J8wEKCxktWMjotqu7NJZIzx\/c5UWyMONWt6JKccy8QJWFCW0dEdHY06d+BlF1s1L46aa2+ragMONrMcujPxlN0HqdvTAgHrcq7HOrUz2SfZS1Wz1dsaPhVFR9p0ni+GEzGo3EuZzj2iwehbIq4UdaKVJn5fJUboUTRwsnjm\/Q5aB2\/HT7oBQXe76F9TaF\/Eqzmt3aTfLdSgiJezzXmLTDxrjrmNVRDyoC3BFFsqVIi9l7cqLVVUZKnkDPfNH\/2xv0\/\/Yse\/DPF7ha5wGB3kLJIceT5K6ulvBwFTWzVF8OLrThEzNRFmcb4X57IPCTig7h\/EmS+\/BaCAJiZfT+jGhOvNL1RmLXzJFXvG4ofkHZnovYO4b4R8FcPNgsOveX1INUFULY+ka+5bP6+63ZI+bf3urlBjfM3t7fHsYwUSvP7fFNc56AhiFslCj8vCQPMjwyszm1LfOhucQvIKasK1iZdpN\/jaOF2W5+s15C\/IfOXswasen88ytuzHm6zKM2ALUqVGkhz0CxOlcW1xTnNwJUpyAS5ClOInAW8cOxpLEPsZ+KXyxxXCp+cioqfk4pS3xXVHYhl\/ogew9pXES+xd6OQDNdNL2nzwg3Y3m4WVV2JC6P9+l2tFmmcc\/zJ0lhrluJRPw8DaRQWVQgBz5jQBAppMDd3FMtoXDIZRk2SWg6iQKvYx+81nIEfwAR5QM7mmaj\/8BFlHuaxbNNWf8D20oV\/B4qvtcrvucVp6z\/ng2emIimk\/bC3bxXMYxaoo8nUpAIbPGcyHWeqWR3+i+sgqRE6PIKOJwO1LPk1ug4m10ZTHyBBwSWoaBTyvWwOXaYAacPZT6S93oB0GDKjG\/C8+ijbtLGK\/XxquBh1LL09433tVn1uNvSx92fD17p6zWHgYJgApqlXConXFrZew9qI21ErYzcfSSt7sec3f+Y5T74CJtF2U3fgwzwcWADkKsInaT++YnQ69dl4S\/XmZlZH4p6Z31WWyZVE6X+6m8wUOX164Jk3kNfQxzv4QzlQHmfAeW9DhSoMYd6eVSqgGi23pA\/02rhxsErK5DeLydk20ugUUyceEyel8zxoFuIq83He6sO2w0JIbBWwWVHDkfYJTdH5CNE3RYqZVrMk97N0fbQ\/2kfKgxdrriZmwHDG11a0WijjLMHoYVbqXcG3WpyrWpKSo13TBz\/xTNUTIst1dGTodUL\/Kwc9A\/1dGmh4\/h+y2oPNCwv9BlhQZ\/xkCH4sP8tX7sKYbWYEXC91ssLzCcH\/pHPpjjkr3zIxS8Axa9Z91W5crkYyzREiDcLaVd5qFbBMTClZw5vU4cl\/lIXcL8DvfrOjh4yUvGd06ufqPlA+9+BwPEECLu4koqsYUNodsiO3mVkcMhk5rB3rD9kIneY\/CnuxXnO+EH3nSp6Nwszszo\/RJe3N5JZxxlr2m7lY\/oEY\/rEjk6zqX5i6qR+YeSU9j+xQdUQEsk\/cZ2yPssFtLhgR1+yWS6yFq8o+cL6C1YpCIumBOdyRXtX9GiWmWJkLd3BVWb1qFey7kihrMb6Gcb6mR19y2b\/mY\/VC81vtP9ZLcMjIygEd2WbTofUA5P8lGqqQzf3aahOMa\/GRJuTCLLSWVRnS8DbMMxZwlBBKyGsHw60e3nWa3iRWXErj4LgQKhkQCAfQSexwiXlnMf2PQV3XJ1VuC5hC79XCKscABZT+bgoZK3j1wBAigtrBDPiM2M\/mETdheCwZupC+x3Dc5IHrEwU0N6vjIh8tVoeWS1uzQATlijQC1kvZCr1eg9BU6iDAm7myf7qKaa5v8Ov4BUORMBlWLQp\/b2uZQbsOih16zgKCSqKa0vANUkAS+jX5de8DGee97hEagShlg1VsBEm94Dgc+qJuYhWOvyd+I0L9RzPK1TKy3X0Bupt+UM5UJF5sXIuqohFi3cGQLJWoa\/IBoALH0vjlPNv8jEK+OEuJ\/l1tSRUqipqTNVXvsR8x8tVhYNbOoa0cAwpHMBwSXceAukyz8vCgauzd0D5JovG44AamY5uR7INnmtjp4oRClSslVgo7jZZVvHwbV68HuWpxH2A+DpysiuPMscPOuJuL7bZZCn5fIUCEpnqnl+bmZ1\/SE8V3LIoccbco+SS0an5mCEQOMIysTpoj\/kpEGe0Jx7EthW\/RcZtPd216pNTtOqE+jr0Ja38rXBZ1x3\/dDuJFqFIZZQps\/d+Y3hVtjzL9O7C8rwL60uUtvABEyWWYbvBsLn1Uu5c8YYvoGXYsS\/3MjzLbwgXDKQqXQ\/kq0oiiA18BBf7NA4ciFbiEbgW8qdxlDCHSxmCpF3S2ttQ+IJzBo4minBOsntVMqh86l1m2cY\/FZw7P\/3omLqfsqXf+9Tb+4319i5pMZ85jPlfNXclTGgSGcdchSNNwqDGgastqhhUl4Z099emD6nIasskzpR3CUqKmjK0PBgA2L8YXv2LVd2tpV+jZW0Ff+kbtz4C7CSOqZM4oUuNaCSC0mJnDFFcMk64IioYtpU6Z4aOWrLo6Sv4lkfuPtkWP6bVTb1zkocfaIkf8uqWbvldRFpbMkQN9tG\/2NOHn4shn3q\/sZrtm23GT6V7VTMEQbLbPSZhWYz8k+282UPS2L0Sf1F3GEvog\/v1lt41p9HQD2ju3gv26xqxOmelEhL2wizzuQg8OGoftHpb7uq0mLBuBMpotJ31vCv8Yyv5ReB6m7DxQbMCPfGMsRVYogkMkV6aqy1c6gemjJJotA9F6ECmSK7JRpU3gjebP5+VAP1PVsiH\/yez2q9BBw7rpW8E2E1vE98b0+IGyd\/LyKPMmW7bGJJT1SafaJWbhyC2PfXD5kRX+etwZkrSSI6ZNfYuf+bHSDD4VZQ4zSgxRG5l95ptvoKD0kbcr\/SpN1FyWPGgKC3MJ+0Eia3w6b98Y4M46P0MPZSi5LSTBOaiWo6o+wwwhAoMiQBDqCjmTzvP809yOiNWryirzvzqCZOl4lfVlWh7I3C6LjC8BVpIanhh6\/cfG0HG13MSpd22IPZmNPE5JdS\/LOKm\/hGPGNE\/c45FiHBgNi5IXtme+Z1lu3W9Fg+iBLT2O8vKVfYrmaU4qei9QgSoG0Nl20BqQuY7PBNpqW3Fj5UBogldpb74zjlhJIFMQ\/xL96ddEvUJw907ap5IoeKv+qs3dksTZ6DYOGNHf2VahTNQbPzF+mdst0whi+ySKk62xIoyhryIUnYXxfUX+NXxmKXra7S2BMrhimW4SMa6h4hNRrXI7XlI9MuamXZ3UZfX6T6povnHIna8qR8OncQy4FwZx8Y\/81\/bT+KNmIdl9Pkp\/CcRzxDX63vZk7Y6u29IESK47ryv1EYCr4f6ZWq3px8vP9yhqi\/8jmOsTIiS6NfdihXmRJ4T8pzSi6YT7V4vfCsV3KDR5e1+pDros1WB1LD5ZUH37Bio6TyUvsTsWZGYFtV87YSIflulKrvlurI6Z1V+B51gdtg\/7dc9Hq9\/RF61esov9ZhmP48ODlvb\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y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><div class=\"nrp\"><div class=\"nrp-wrap\"><p class=\"nrj-draft\" data-nrj-shared=\"draft\" role=\"note\"><strong>Draft, not yet released.<\/strong> In stewardship review. Not indexed until the first approved release.<\/p><div class=\"nrp-reader\"><nav class=\"nrp-rail\" aria-label=\"Contents of Insurance, Protection Gaps and Insurability 2026\"><p class=\"nf-ui-eyebrow\">Contents<\/p><ol class=\"nrp-toc\"><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Edition home<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/summary\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Executive summary<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-cs-s1\">S.1 Abstract<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s2\">S.2 Key messages<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s3\">S.3 Headline finding<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s4\">S.4 At a glance<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s5\">S.5 What each steward reads in it<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s6\">S.6 What this edition is, and is not<\/a><\/li><\/ol><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/coupled-system\/\"><span class=\"nrp-toc-n\">1<\/span><span>Protection gaps are shared risk<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/findings\/\"><span class=\"nrp-toc-n\">2<\/span><span>Key findings<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-and-sectors\/\"><span class=\"nrp-toc-n\">3<\/span><span>Systems and sectors at baseline<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/risk-and-capability\/\"><span class=\"nrp-toc-n\">4<\/span><span>Risks and capability<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/scenario\/\"><span class=\"nrp-toc-n\">5<\/span><span>Large insured loss that meets soft pricing and thin backstops<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/lenses-and-readings\/\"><span class=\"nrp-toc-n\">6<\/span><span>Readings from the other desks<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/agenda\/\"><span class=\"nrp-toc-n\">7<\/span><span>The 2027 agenda<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-in-depth\/\"><span class=\"nrp-toc-n\">8<\/span><span>Systems in depth<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/methodology\/\"><span class=\"nrp-toc-n\">A<\/span><span>Methodology<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/data\/\"><span class=\"nrp-toc-n\">B<\/span><span>Data appendix<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\"><span class=\"nrp-toc-n\">C<\/span><span>References and record<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/full\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Complete edition, for print<\/span><\/a><\/li><\/ol><div class=\"nrp-actions\"><a class=\"nf-ui-btn\" data-variant=\"secondary\" href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/full\/\"><svg class=\"nrp-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 18H4a2 2 0 0 1-2-2v-5a2 2 0 0 1 2-2h16a2 2 0 0 1 2 2v5a2 2 0 0 1-2 2h-2\"\/><path d=\"M6 9V3a1 1 0 0 1 1-1h10a1 1 0 0 1 1 1v6\"\/><rect x=\"6\" y=\"14\" width=\"12\" height=\"8\" rx=\"1\"\/><\/svg>Print or save as PDF<\/a><\/div><\/nav><article class=\"nrp-flow\" aria-labelledby=\"nx-nrp-sr-06-cs-top\"><header class=\"nrp-chap-head\" id=\"nx-nrp-sr-06-cs-top\"><ul class=\"nrp-eyerow\"><li class=\"nf-ui-eyebrow\"><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\">Insurance, Protection Gaps and Insurability 2026<\/a><\/li><li class=\"nf-ui-eyebrow\">Executive summary<\/li><\/ul><span class=\"nrp-rule\" aria-hidden=\"true\"><\/span><h1 class=\"pp-hero-title\">Executive summary<\/h1><p class=\"nrp-lede\">The edition on a few pages: the abstract, the key messages, the headline finding and what each steward reads in it.<\/p><p class=\"nrp-chap-meta\"><span>7 min read<\/span><span>1 figure<\/span><span>0 tables<\/span><span>13 notes<\/span><span>NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE<\/span><\/p><details class=\"nrp-toc-m\"><summary>Contents<\/summary><ol class=\"nrp-toc\"><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Edition home<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/summary\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Executive summary<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-cs-s1\">S.1 Abstract<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s2\">S.2 Key messages<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s3\">S.3 Headline finding<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s4\">S.4 At a glance<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s5\">S.5 What each steward reads in it<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cs-s6\">S.6 What this edition is, and is not<\/a><\/li><\/ol><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/coupled-system\/\"><span class=\"nrp-toc-n\">1<\/span><span>Protection gaps are shared risk<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/findings\/\"><span class=\"nrp-toc-n\">2<\/span><span>Key findings<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-and-sectors\/\"><span class=\"nrp-toc-n\">3<\/span><span>Systems and sectors at baseline<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/risk-and-capability\/\"><span class=\"nrp-toc-n\">4<\/span><span>Risks and capability<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/scenario\/\"><span class=\"nrp-toc-n\">5<\/span><span>Large insured loss that meets soft pricing and thin backstops<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/lenses-and-readings\/\"><span class=\"nrp-toc-n\">6<\/span><span>Readings from the other desks<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/agenda\/\"><span class=\"nrp-toc-n\">7<\/span><span>The 2027 agenda<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-in-depth\/\"><span class=\"nrp-toc-n\">8<\/span><span>Systems in depth<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/methodology\/\"><span class=\"nrp-toc-n\">A<\/span><span>Methodology<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/data\/\"><span class=\"nrp-toc-n\">B<\/span><span>Data appendix<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\"><span class=\"nrp-toc-n\">C<\/span><span>References and record<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/full\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Complete edition, for print<\/span><\/a><\/li><\/ol><\/details><\/header><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-s1\" aria-labelledby=\"nx-nrp-sr-06-cs-s1-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-s1-h\"><span class=\"nrp-num\">S.1<\/span><span>Abstract<\/span><\/h2><div class=\"nrp-prose\"><p>Insurance moves loss from those who suffer it to those who can pool it. A <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\" data-tg=\"https:\/\/globalriskalliance.com\/glossary\/protection-gap\/\" data-tgl=\"Global Risks Alliance glossary\">protection gap<\/a> is the part that stays with the sufferer. For 2025, four published estimates put global insured natural catastrophe losses between USD 107 billion and USD 129 billion and economic losses between USD 220 billion and USD 296 billion<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n1\" id=\"nx-nrp-sr-06-cs-r1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n2\" id=\"nx-nrp-sr-06-cs-r2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" id=\"nx-nrp-sr-06-cs-r3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n4\" id=\"nx-nrp-sr-06-cs-r4\" aria-label=\"Note 4\">4<\/a><\/sup>. The uninsured share of those losses is put at 51% by Aon, a record low, and at 56% by Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n4\" aria-label=\"Note 4\">4<\/a><\/sup>. The low share reflects losses that were concentrated in the United States<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup>. Swiss Re reports that secondary perils made up 92% of insured losses and that insured losses grow 5% to 7% a year in real terms<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n1\" aria-label=\"Note 1\">1<\/a><\/sup>. In Asia-Pacific, Munich Re puts overall losses at about USD 73 billion and insured losses at USD 9 billion<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n2\" aria-label=\"Note 2\">2<\/a><\/sup>. Availability is also changing. A US Treasury study of 246 million policies found nonrenewal rates about 80% higher in the highest-risk ZIP Codes<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n12\" id=\"nx-nrp-sr-06-cs-r12\" aria-label=\"Note 12\">12<\/a><\/sup>. The California FAIR Plan held 698,307 policies and USD 773 billion of exposure in September 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n8\" id=\"nx-nrp-sr-06-cs-r8\" aria-label=\"Note 8\">8<\/a><\/sup>. The US flood programme is authorised only to 11 December 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n10\" id=\"nx-nrp-sr-06-cs-r10\" aria-label=\"Note 10\">10<\/a><\/sup>. This baseline reads these facts as mechanisms, not as a list. It rates no insurer, ranks no country and recommends no policy.<\/p><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-s2\" aria-labelledby=\"nx-nrp-sr-06-cs-s2-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-s2-h\"><span class=\"nrp-num\">S.2<\/span><span>Key messages<\/span><\/h2><p class=\"nrp-stand\">Six readings that frame the insurance and protection gaps baseline, and the eight questions this edition answers, each with its status and source.<\/p><ol class=\"nrp-km\"><li><p class=\"nrp-km-t\">Yes: rising exposure, secondary perils and low take-up recur across markets.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n5\" id=\"nx-nrp-sr-06-cs-r5\" aria-label=\"Note 5\">5<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>Do protection gaps have common causes?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">Through nonrenewal, residual markets and short-dated public schemes.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n8\" aria-label=\"Note 8\">8<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n9\" id=\"nx-nrp-sr-06-cs-r9\" aria-label=\"Note 9\">9<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n10\" aria-label=\"Note 10\">10<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n12\" aria-label=\"Note 12\">12<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>How do gaps spread?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">Between 51% and 56% of 2025 economic losses, by two estimates.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>How large is the gap?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">No: national resilience ran from about 5% to above 80% in 2023.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>Is the gap the same everywhere?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">In high-risk US ZIP Codes nonrenewals were higher, 2018 to 2022.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n12\" aria-label=\"Note 12\">12<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>Is cover getting harder to keep?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">In part, and on different terms and time limits.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n10\" aria-label=\"Note 10\">10<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n16\" id=\"nx-nrp-sr-06-cs-r16\" aria-label=\"Note 16\">16<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n18\" id=\"nx-nrp-sr-06-cs-r18\" aria-label=\"Note 18\">18<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n48\" id=\"nx-nrp-sr-06-cs-r48\" aria-label=\"Note 48\">48<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>Do public schemes fill the gap?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">Reinsurance rates fell 14.7% at January 2026 while loss trends rose.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/p><p class=\"nrp-km-m\"><span>What do prices say?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/p><\/li><li><p class=\"nrp-km-t\">A large <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 insured-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The part of economic loss that is covered by insurance.\" data-ts=\"NRS-C1\" data-tr=\"draft\">insured loss<\/a> that meets soft pricing and thin backstops. SCN-SR06-LOSS-01<\/p><p class=\"nrp-km-m\"><span>What will 2027 test first?<\/span><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Expert input<\/span><\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-s3\" aria-labelledby=\"nx-nrp-sr-06-cs-s3-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-s3-h\"><span class=\"nrp-num\">S.3<\/span><span>Headline finding<\/span><\/h2><p class=\"nrp-find-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span class=\"nrp-eql\" title=\"Evidence-quality level, 1 to 5\">EQL 3<\/span><span class=\"nrp-find-id\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-002<\/span><\/p><p class=\"nrp-km-t\">The uninsured share of 2025 economic losses is put at 51% by Aon, a record low, and at 56%, or USD 167 billion, by Gallagher Re. Aon links the low share to losses concentrated in the United States.<\/p><figure class=\"nrp-fig\" id=\"nx-nrp-sr-06-cs-fig1\" aria-labelledby=\"nx-nrp-sr-06-cs-fig1-t\"><figcaption class=\"nrp-figcap\"><span class=\"nf-ui-eyebrow\">Figure S.1<\/span><span class=\"nf-ui-title\" data-level=\"card\" id=\"nx-nrp-sr-06-cs-fig1-t\">Uninsured share of 2025 economic losses (%)<\/span><\/figcaption><div class=\"nrp-tblw\"><table class=\"nrp-tbl nrp-bars\"><thead><tr><th scope=\"col\">Item<\/th><th scope=\"col\"><span class=\"nrp-sr\">Bar, scaled to the largest value<\/span><\/th><th scope=\"col\">Value<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">Aon, record low<\/th><td class=\"nrp-barc\"><svg class=\"nrp-svg nrp-barsvg\" viewBox=\"0 0 100 8\" preserveAspectRatio=\"none\" aria-hidden=\"true\" focusable=\"false\"><rect class=\"nrp-track\" x=\"0\" y=\"0\" width=\"100\" height=\"8\"\/><rect class=\"nrp-bar\" x=\"0\" y=\"0\" width=\"91.1\" height=\"8\"\/><\/svg><\/td><td class=\"nrp-mono\">51<\/td><\/tr><tr><th scope=\"row\">Gallagher Re<\/th><td class=\"nrp-barc\"><svg class=\"nrp-svg nrp-barsvg\" viewBox=\"0 0 100 8\" preserveAspectRatio=\"none\" aria-hidden=\"true\" focusable=\"false\"><rect class=\"nrp-track\" x=\"0\" y=\"0\" width=\"100\" height=\"8\"\/><rect class=\"nrp-bar\" x=\"0\" y=\"0\" width=\"100.0\" height=\"8\"\/><\/svg><\/td><td class=\"nrp-mono\">56<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nrp-fig-src\">Sources: Aon<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup>; Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n4\" aria-label=\"Note 4\">4<\/a><\/sup>. Scope differs; the two values are not averaged.<\/p><\/figure><p class=\"nrp-p\">A low global share does not mean low gaps everywhere. Aon ties it to losses concentrated in a market with high take-up, and Munich Re shows only USD 9 billion insured of about USD 73 billion in Asia-Pacific<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n2\" aria-label=\"Note 2\">2<\/a><\/sup>.<\/p><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-s4\" aria-labelledby=\"nx-nrp-sr-06-cs-s4-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-s4-h\"><span class=\"nrp-num\">S.4<\/span><span>At a glance<\/span><\/h2><div class=\"pp-cells nrp-cells-3\"><div class=\"nrp-cell\"><span class=\"pp-metric\">107 to 129<\/span><span class=\"nrp-cell-u\">USD billion<\/span><p><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 insured-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The part of economic loss that is covered by insurance.\" data-ts=\"NRS-C1\" data-tr=\"draft\">insured loss<\/a> range<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">51 to 56<\/span><span class=\"nrp-cell-u\">%<\/span><p>uninsured share<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">92<\/span><span class=\"nrp-cell-u\">%<\/span><p>secondary perils share<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">773<\/span><span class=\"nrp-cell-u\">USD billion<\/span><p>FAIR Plan exposure<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n8\" aria-label=\"Note 8\">8<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">4.5<\/span><span class=\"nrp-cell-u\">million<\/span><p>flood programme policies<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n10\" aria-label=\"Note 10\">10<\/a><\/sup><\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">\u224815<\/span><span class=\"nrp-cell-u\">USD billion<\/span><p>cyber premiums, 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cs-n19\" id=\"nx-nrp-sr-06-cs-r19\" aria-label=\"Note 19\">19<\/a><\/sup><\/p><\/div><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-s5\" aria-labelledby=\"nx-nrp-sr-06-cs-s5-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-s5-h\"><span class=\"nrp-num\">S.5<\/span><span>What each steward reads in it<\/span><\/h2><div class=\"nrp-cards\" data-n=\"3\"><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\"><abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr> \u00b7 KEY T<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Technical Truth<\/h3><p>The evidence supports reading protection gaps as shared risk.<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\"><abbr title=\"The Global Risks Forum\">GRF<\/abbr> \u00b7 KEY M<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Public Meaning<\/h3><p>For most people a protection gap arrives as a refused renewal, a flood claim that is not covered or a repair bill with no payout.<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 KEY F<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Capital Meaning<\/h3><p>Readiness implications only. Loss trends are rising, reinsurance prices fell at January 2026 renewals, and several public schemes run on short terms.<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">NEXUS<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Synthesis<\/h3><p>Protection gaps are well described as loss totals and thinly measured as a system.<\/p><\/article><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-s6\" aria-labelledby=\"nx-nrp-sr-06-cs-s6-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-s6-h\"><span class=\"nrp-num\">S.6<\/span><span>What this edition is, and is not<\/span><\/h2><div class=\"pp-cells nrp-cells-3\"><div class=\"nrp-cell\"><h3 class=\"nf-ui-title\" data-level=\"card\">What this edition is<\/h3><p>A baseline: the 2026 state of the world\u2019s insurance markets, protection gaps and insurability limits and the couplings through which it carries risk into other <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>. It synthesises published evidence and ranks no country, company or asset.<\/p><\/div><div class=\"nrp-cell\"><h3 class=\"nf-ui-title\" data-level=\"card\">What it is not<\/h3><p>Not an insurer rating, a solvency opinion, a pricing guide, an assessment of any insurer, reinsurer, scheme or government, or advice to buy or sell any policy. Underwriting, supervision and public backstops rest with insurers, supervisors and governments.<\/p><\/div><div class=\"nrp-cell\"><h3 class=\"nf-ui-title\" data-level=\"card\">What comes next<\/h3><p>National, regional and sector evidence feeds the 2027 insurance and protection gaps edition through the federation. Each edition reports what changed against this baseline: observations, source revisions, method changes, scenario updates and corrections.<\/p><\/div><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cs-notes\" aria-labelledby=\"nx-nrp-sr-06-cs-notes-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-notes-h\"><span>Notes<\/span><\/h2><p class=\"nrp-note\">Numbers are the edition&#8217;s reference numbers, so a note reads the same in every chapter. The full list, with every source and its licence, is in Annex C. <a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\">Annex C, references<\/a><\/p><ol class=\"nrp-notes\"><li id=\"nx-nrp-sr-06-cs-n1\"><span class=\"nrp-notes-n\">1<\/span><span>Insurance Journal and Reinsurance News (eds.), reports of Swiss Re Institute, sigma 1\/2026, Natural catastrophes in 2025: the persistent rise of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\" data-tx=\"https:\/\/risksindex.com\/hazards\/eco\/\" data-txl=\"Land and ecosystems\">wildfire<\/a> and storm risk (insured losses USD 107 billion; economic losses USD 220 billion; 92% from secondary perils; Los Angeles wildfires USD 40 billion; trend 5% to 7% a year; 2026 normal level USD 148 billion and peak scenario about USD 320 billion), articles of March 2026. The sigma report itself was not opened; the Swiss Re page returned an access error. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r1\" aria-label=\"Back to the first call of note 1\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n2\"><span class=\"nrp-notes-n\">2<\/span><span>Insurance Journal, Insurance Business and Reinsurance News (eds.), reports of Munich Re, natural disaster losses in 2025, 13 January 2026 (overall losses about USD 224 billion; insured about USD 108 billion; Asia-Pacific about USD 73 billion overall and USD 9 billion insured; Africa about USD 3 billion; January 2026 reinsurance rates down 14.7%). One article printed USD 244 billion for overall losses, a typographical conflict with USD 224 billion elsewhere. The Munich Re release was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r2\" aria-label=\"Back to the first call of note 2\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n3\"><span class=\"nrp-notes-n\">3<\/span><span>Aon (ed.), 2026 Climate and Catastrophe Insight (page read to character 100,000 of 220,843: economic losses USD 260 billion; insured losses USD 127 billion; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\" data-tg=\"https:\/\/globalriskalliance.com\/glossary\/protection-gap\/\" data-tgl=\"Global Risks Alliance glossary\">protection gap<\/a> 51%, a record low). Aon, London. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r3\" aria-label=\"Back to the first call of note 3\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n4\"><span class=\"nrp-notes-n\">4<\/span><span>Reinsurance News (ed.), report of Gallagher Re, Natural Catastrophe and Climate Report, full year 2025 (insured losses USD 129 billion; economic losses USD 296 billion; protection gap 56% or USD 167 billion; United States USD 100 billion or 78%). The Gallagher Re report was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r4\" aria-label=\"Back to the first call of note 4\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n12\"><span class=\"nrp-notes-n\">12<\/span><span>US Department of the Treasury, Federal Insurance Office (ed.), Homeowners insurance report, press release of 16 January 2025 (more than 330 insurers; 246 million policies; 2018 to 2022; ZIP Code level; nonrenewal rates about 80% higher in the highest-risk ZIP Codes). The report itself was not opened. Observation year 2022. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r12\" aria-label=\"Back to the first call of note 12\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n8\"><span class=\"nrp-notes-n\">8<\/span><span>California FAIR Plan Association (ed.), Key Statistics and Data (September 2026: 698,307 policies in force; exposure USD 773 billion; written premium USD 2.04 billion; policies up 157% and exposure up 252% since September 2022). California FAIR Plan Association, Los Angeles. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r8\" aria-label=\"Back to the first call of note 8\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n10\"><span class=\"nrp-notes-n\">10<\/span><span>Congressional Research Service (ed.), What Happens If the National Flood Insurance Program (NFIP) Lapses?, Insight IN10835, version of 11 September 2026 (authorised to 11 December 2026; 36 short-term reauthorisations since FY2017; lapses 1 October to 12 November 2025 and 1 to 3 February 2026; borrowing limit USD 30.425 billion; nearly 4.5 million policies; almost USD 1.3 trillion coverage). Library of Congress, Washington. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r10\" aria-label=\"Back to the first call of note 10\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n5\"><span class=\"nrp-notes-n\">5<\/span><span>Artemis (ed.), report of the Swiss Re Institute sigma resilience index published in July 2024 (global protection gap USD 1.83 trillion in 2023; natural catastrophe gap USD 385 billion premium equivalent; natural catastrophe resilience 25.7%; United States 39%; national values from about 5% to above 80%). The sigma report was not opened. Observation year 2023. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r5\" aria-label=\"Back to the first call of note 5\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n9\"><span class=\"nrp-notes-n\">9<\/span><span>News Service of Florida (ed.), report on Florida Citizens Property Insurance Corporation policy counts, 25 November 2025 (439,079 policies; peak of about 1.4 million in September 2023). Read through a television station republication. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r9\" aria-label=\"Back to the first call of note 9\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n16\"><span class=\"nrp-notes-n\">16<\/span><span>Flood Re (ed.), About us (reinsurance scheme for affordable flood cover in home insurance; planned to run until 2039). Flood Re, London. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r16\" aria-label=\"Back to the first call of note 16\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n18\"><span class=\"nrp-notes-n\">18<\/span><span>Australian Reinsurance Pool Corporation (ed.), <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h2\" data-tc=\"NHS-1 atmo.cyclone.tropical-cyclone\" data-tk=\"Atmosphere and weather \u00b7 Cyclonic storm systems\" data-td=\"A warm-core rotating storm over tropical oceans whose winds, rain and surge threaten coasts and inland river basins.\" data-ts=\"NRS-H2\" data-tr=\"draft\" data-tx=\"https:\/\/risksindex.com\/hazards\/atmo\/\" data-txl=\"Atmosphere and weather\" data-ta=\"https:\/\/risksacademy.com\/courses\/disaster-risk-reduction\/\" data-tal=\"Disaster Risk Reduction\">Cyclone<\/a> Reinsurance Pool (commenced 1 July 2022; annually reinstated government guarantee of 10 billion, stated as dollars and read here as Australian dollars; mitigation discounts; cost-neutral to government over the longer term). ARPC, Canberra. Observation year 2022. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r18\" aria-label=\"Back to the first call of note 18\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n48\"><span class=\"nrp-notes-n\">48<\/span><span>CCRIF SPC (ed.), CCRIF in a Snapshot, brief revised April 2025 (78 payouts totalling about USD 390 million between June 2007 and April 2025; 30 members as of June 2024). The PDF was opened and its text read. CCRIF SPC, Grand Cayman. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r48\" aria-label=\"Back to the first call of note 48\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cs-n19\"><span class=\"nrp-notes-n\">19<\/span><span>Munich Re (ed.), Global Cyber Risk and Insurance Survey 2026 (premium volume nearly USD 15 billion in 2025; about USD 28 billion forecast for 2030; over 9,500 respondents in 20 countries). Munich Re, Munich. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cs-r19\" aria-label=\"Back to the first call of note 19\">back<\/a><\/span><\/li><\/ol><\/section><section class=\"nrp-block nrp-noprint\" id=\"nx-nrp-sr-06-cs-cite\" aria-labelledby=\"nx-nrp-sr-06-cs-cite-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cs-cite-h\"><span>Cite this summary<\/span><\/h2><pre class=\"nrp-pre\">Valadbaygi, S. (Ed.). (2026). Executive summary: Executive summary. In Strategic Systems Report 2026: Insurance, Protection Gaps and Insurability (Baseline Edition 2026, Report No. NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE) [Draft under review]. The Global Centre for Risk and Innovation (GCRI).<\/pre><p class=\"nrp-note\">Every citation form of the whole report, BibTeX and RIS included, is on the edition home. <a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/#nx-nrp-sr-06-land-cite\">Cite this report<\/a><\/p><\/section><nav class=\"nrp-pager\" aria-label=\"Previous and next\"><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/\" rel=\"prev\"><span class=\"nf-ui-eyebrow\">Previous<\/span><span class=\"nrp-pager-t\">Edition home<\/span><\/a><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/coupled-system\/\" rel=\"next\"><span class=\"nf-ui-eyebrow\">Next \u00b7 Chapter 1<\/span><span class=\"nrp-pager-t\">Protection gaps are shared risk<\/span><\/a><\/nav><\/article><\/div><\/div><\/div><div class=\"nrp-noprint\"><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Send evidence or a correction on Insurance, Protection Gaps and Insurability.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication, written by six desks. This page sits with the Global Centre for Risk and Innovation (GCRI) <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">Systems<\/a> Evidence desk. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work. 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A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><\/div><p class=\"nx-note\" data-nr-rights=\"true\"><a class=\"nx-link\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\">CC BY 4.0<\/a> Free to read. Text and figures: CC BY 4.0. Data: CC0 1.0. Authors keep copyright. Published by GCRI Canada.<\/p><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-risk-global-nexus-reports-editions-sr-06-summary-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-risk-global-nexus-reports-editions-sr-06-summary-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-risk-global-nexus-reports-editions-sr-06-summary-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/scenarios\/urban-flood\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Urban flood<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/risk-science\/risk-information-standards\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Risk information standards and interoperability<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/data\/identification-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Identification (the UNI)<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script><style>@media print { @page { margin: 20mm 17mm 20mm 17mm; @top-left { content: \"Nexus Reports\"; font: 500 7.5pt \"IBM Plex Mono\", monospace; color: #4a4a4a; } @top-right { content: \"Insurance, Protection Gaps and Insurability 2026 \\0000b7  Executive summary\"; font: 400 7.5pt \"IBM Plex Sans\", sans-serif; color: #4a4a4a; } @bottom-left { content: \"NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE \\0000b7  Draft, not released\"; font: 400 7pt \"IBM Plex Mono\", monospace; color: #4a4a4a; } @bottom-center { content: \"CC BY 4.0. 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