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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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solid;border-color:inherit}#nxe-nr-gcri-editions-sr-06-findings.nxe svg{display:none}#nxe-nr-gcri-editions-sr-06-findings.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-nr-gcri-editions-sr-06-findings.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nr-gcri-editions-sr-06-findings.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" 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\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Executive summary<\/span><\/a><\/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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">2<\/span><span>Key findings<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c2-s1\">2.1 Headline finding<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s2\">2.2 Finance<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s3\">2.3 Climate forcing<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s4\">2.4 Development<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s5\">2.5 Infrastructure<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s6\">2.6 Systemic<\/a><\/li><\/ol><\/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-c2-top\"><header class=\"nrp-chap-head\" id=\"nx-nrp-sr-06-c2-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\">Chapter 2<\/li><\/ul><span class=\"nrp-rule\" aria-hidden=\"true\"><\/span><h1 class=\"pp-hero-title\">Key findings<\/h1><p class=\"nrp-lede\">Twelve findings carry the insurance and protection gaps baseline. They are grouped by coupling and never ranked. Each resolves to its source or, where Nexus analysis is involved, to its stated method.<\/p><p class=\"nrp-chap-meta\"><span>6 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\/\"><span class=\"nrp-toc-n\">\u00b7<\/span><span>Executive summary<\/span><\/a><\/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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">2<\/span><span>Key findings<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c2-s1\">2.1 Headline finding<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s2\">2.2 Finance<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s3\">2.3 Climate forcing<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s4\">2.4 Development<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s5\">2.5 Infrastructure<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c2-s6\">2.6 Systemic<\/a><\/li><\/ol><\/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-c2-s1\" aria-labelledby=\"nx-nrp-sr-06-c2-s1-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-s1-h\"><span class=\"nrp-num\">2.1<\/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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-002\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-002<\/a><\/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-c2-fig1\" aria-labelledby=\"nx-nrp-sr-06-c2-fig1-t\"><figcaption class=\"nrp-figcap\"><span class=\"nf-ui-eyebrow\">Figure 2.1<\/span><span class=\"nf-ui-title\" data-level=\"card\" id=\"nx-nrp-sr-06-c2-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-c2-n3\" id=\"nx-nrp-sr-06-c2-r3\" aria-label=\"Note 3\">3<\/a><\/sup>; Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n4\" id=\"nx-nrp-sr-06-c2-r4\" aria-label=\"Note 4\">4<\/a><\/sup>. Scope differs; the two values are not averaged.<\/p><\/figure><h3 class=\"nrp-h3\">Implication<\/h3><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-c2-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n2\" id=\"nx-nrp-sr-06-c2-r2\" aria-label=\"Note 2\">2<\/a><\/sup>.<\/p><h3 class=\"nrp-h3\">What would move it<\/h3><p class=\"nrp-p\">A year with large losses outside the United States, a shared method for the gap, or a published national series would each move this finding.<\/p><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c2-s2\" aria-labelledby=\"nx-nrp-sr-06-c2-s2-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-s2-h\"><span class=\"nrp-num\">2.2<\/span><span>Finance<\/span><\/h2><ol class=\"nrp-find\"><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-001\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-001\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-001<\/a><\/p><p class=\"nrp-find-t\">Four published estimates put 2025 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-c2-n1\" id=\"nx-nrp-sr-06-c2-r1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-002\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-002\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-002<\/a><\/p><p class=\"nrp-find-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.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-005\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-005\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-005<\/a><\/p><p class=\"nrp-find-t\">Swiss Re put the 2023 global <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> across all perils at USD 1.83 trillion, and natural catastrophe resilience, the insured share of economic losses, at 25.7%, with national values from about 5% to above 80%.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n5\" id=\"nx-nrp-sr-06-c2-r5\" aria-label=\"Note 5\">5<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-006\"><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 4<\/span><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-006\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-006<\/a><\/p><p class=\"nrp-find-t\">In a US Treasury study of more than 330 insurers and 246 million policies over 2018 to 2022, nonrenewal rates were about 80% higher in the highest-risk ZIP Codes than in the lowest-risk ones.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n12\" id=\"nx-nrp-sr-06-c2-r12\" aria-label=\"Note 12\">12<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-007\"><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 4<\/span><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-007\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-007<\/a><\/p><p class=\"nrp-find-t\">The California FAIR Plan held 698,307 policies and USD 773 billion of exposure in September 2026, up 157% and 252% since September 2022.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n8\" id=\"nx-nrp-sr-06-c2-r8\" aria-label=\"Note 8\">8<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-008\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-008\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-008<\/a><\/p><p class=\"nrp-find-t\">Florida Citizens held about 1.4 million policies at its September 2023 peak and 439,079 in late November 2025 after rounds of transfers to private insurers.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n9\" id=\"nx-nrp-sr-06-c2-r9\" aria-label=\"Note 9\">9<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-010\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-010\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-FIN-010<\/a><\/p><p class=\"nrp-find-t\">Risk-adjusted property catastrophe reinsurance rates fell 14.7% at January 2026 renewals, the largest fall since 2014, while Swiss Re models a peak-loss scenario of about USD 320 billion for 2026 against USD 148 billion at normal levels.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c2-s3\" aria-labelledby=\"nx-nrp-sr-06-c2-s3-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-s3-h\"><span class=\"nrp-num\">2.3<\/span><span>Climate forcing<\/span><\/h2><ol class=\"nrp-find\"><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-CLI-003\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-CLI-003\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-CLI-003<\/a><\/p><p class=\"nrp-find-t\">Swiss Re reports that secondary perils made up 92% of 2025 insured losses, that the Los Angeles wildfires were the largest insured <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> loss on sigma records at USD 40 billion, and that insured losses grow 5% to 7% a year in real terms.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c2-s4\" aria-labelledby=\"nx-nrp-sr-06-c2-s4-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-s4-h\"><span class=\"nrp-num\">2.4<\/span><span>Development<\/span><\/h2><ol class=\"nrp-find\"><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-DEV-004\"><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><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-DEV-004\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-DEV-004<\/a><\/p><p class=\"nrp-find-t\">Munich Re puts 2025 losses in Asia-Pacific at about USD 73 billion, of which USD 9 billion was insured, and losses in Africa at about USD 3 billion, with less than a fifth insured.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/p><\/li><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-DEV-011\"><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 4<\/span><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-DEV-011\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-DEV-011<\/a><\/p><p class=\"nrp-find-t\">Public schemes close part of the gap in different ways: CCRIF made 78 payouts totalling about USD 390 million between June 2007 and April 2025, the Australian <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> pool has run since 1 July 2022 with a government guarantee of 10 billion Australian dollars, and Flood Re is planned to run to 2039.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n16\" id=\"nx-nrp-sr-06-c2-r16\" aria-label=\"Note 16\">16<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n18\" id=\"nx-nrp-sr-06-c2-r18\" aria-label=\"Note 18\">18<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n48\" id=\"nx-nrp-sr-06-c2-r48\" aria-label=\"Note 48\">48<\/a><\/sup><\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c2-s5\" aria-labelledby=\"nx-nrp-sr-06-c2-s5-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-s5-h\"><span class=\"nrp-num\">2.5<\/span><span>Infrastructure<\/span><\/h2><ol class=\"nrp-find\"><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-INF-009\"><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 4<\/span><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-INF-009\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-INF-009<\/a><\/p><p class=\"nrp-find-t\">The US flood programme covers nearly 4.5 million policies and almost USD 1.3 trillion of coverage, is authorised only to 11 December 2026, and lapsed from 1 October to 12 November 2025. Most homeowners policies exclude flood.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n10\" id=\"nx-nrp-sr-06-c2-r10\" aria-label=\"Note 10\">10<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c2-n11\" id=\"nx-nrp-sr-06-c2-r11\" aria-label=\"Note 11\">11<\/a><\/sup><\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c2-s6\" aria-labelledby=\"nx-nrp-sr-06-c2-s6-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-s6-h\"><span class=\"nrp-num\">2.6<\/span><span>Systemic<\/span><\/h2><ol class=\"nrp-find\"><li id=\"nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-SYS-012\"><p class=\"nrp-find-m\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Expert input<\/span><span class=\"nrp-eql\" title=\"Evidence-quality level, 1 to 5\">EQL 2<\/span><a class=\"nrp-find-id\" href=\"#nx-NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-SYS-012\">NRF-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-SYS-012<\/a><\/p><p class=\"nrp-find-t\">The leading compound pathway for 2027 testing is 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 reinsurance pricing, short-dated public backstops and thin household cover. \u00a7 scenario<\/p><\/li><\/ol><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c2-notes\" aria-labelledby=\"nx-nrp-sr-06-c2-notes-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-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-c2-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-c2-r3\" aria-label=\"Back to the first call of note 3\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r4\" aria-label=\"Back to the first call of note 4\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r2\" aria-label=\"Back to the first call of note 2\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r1\" aria-label=\"Back to the first call of note 1\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r5\" aria-label=\"Back to the first call of note 5\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r12\" aria-label=\"Back to the first call of note 12\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r8\" aria-label=\"Back to the first call of note 8\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r9\" aria-label=\"Back to the first call of note 9\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r16\" aria-label=\"Back to the first call of note 16\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r18\" aria-label=\"Back to the first call of note 18\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r48\" aria-label=\"Back to the first call of note 48\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-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-c2-r10\" aria-label=\"Back to the first call of note 10\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c2-n11\"><span class=\"nrp-notes-n\">11<\/span><span>FEMA (ed.), FloodSmart (most homeowners insurance does not cover flood damage; almost one third of NFIP claims come from outside high-risk flood areas, stated as 29%). Federal Emergency Management Agency, Washington. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c2-r11\" aria-label=\"Back to the first call of note 11\">back<\/a><\/span><\/li><\/ol><\/section><section class=\"nrp-block nrp-noprint\" id=\"nx-nrp-sr-06-c2-cite\" aria-labelledby=\"nx-nrp-sr-06-c2-cite-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c2-cite-h\"><span>Cite this chapter<\/span><\/h2><pre class=\"nrp-pre\">Valadbaygi, S. (Ed.). (2026). Chapter 2: Key findings. 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\/coupled-system\/\" rel=\"prev\"><span class=\"nf-ui-eyebrow\">Previous \u00b7 Chapter 1<\/span><span class=\"nrp-pager-t\">Protection gaps are shared risk<\/span><\/a><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/systems-and-sectors\/\" rel=\"next\"><span class=\"nf-ui-eyebrow\">Next \u00b7 Chapter 3<\/span><span class=\"nrp-pager-t\">Systems and sectors at baseline<\/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. 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