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\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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\/\"><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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">3<\/span><span>Systems and sectors at baseline<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c3-s1\">3.1 Where each system stood at evidence close<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c3-s2\">3.2 Domain posture<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c3-s3\">3.3 Sector screens<\/a><\/li><\/ol><\/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-c3-top\"><header class=\"nrp-chap-head\" id=\"nx-nrp-sr-06-c3-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 3<\/li><\/ul><span class=\"nrp-rule\" aria-hidden=\"true\"><\/span><h1 class=\"pp-hero-title\">Systems and sectors at baseline<\/h1><p class=\"nrp-chap-meta\"><span>7 min read<\/span><span>0 figures<\/span><span>2 tables<\/span><span>18 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\/\"><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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">3<\/span><span>Systems and sectors at baseline<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c3-s1\">3.1 Where each system stood at evidence close<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c3-s2\">3.2 Domain posture<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c3-s3\">3.3 Sector screens<\/a><\/li><\/ol><\/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-c3-s1\" aria-labelledby=\"nx-nrp-sr-06-c3-s1-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c3-s1-h\"><span class=\"nrp-num\">3.1<\/span><span>Where each system stood at evidence close<\/span><\/h2><div class=\"pp-cells nrp-cells-3\"><article class=\"nrp-cell\"><p class=\"nf-ui-eyebrow\">FIN \u00b7 Insured loss<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Global insured natural catastrophe losses, range of four estimates<\/h3><span class=\"pp-metric\">107 to 129<\/span><span class=\"nrp-cell-u\">USD billion<\/span><p>four publishers, different scope.<\/p><p class=\"nrp-cell-foot\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span>2025<\/span><span>Swiss Re, Munich Re, Aon, Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n1\" id=\"nx-nrp-sr-06-c3-r1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n2\" id=\"nx-nrp-sr-06-c3-r2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n3\" id=\"nx-nrp-sr-06-c3-r3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n4\" id=\"nx-nrp-sr-06-c3-r4\" aria-label=\"Note 4\">4<\/a><\/sup><\/span><\/p><\/article><article class=\"nrp-cell\"><p class=\"nf-ui-eyebrow\">FIN \u00b7 Gap<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Uninsured share of 2025 economic losses, two estimates<\/h3><span class=\"pp-metric\">51 to 56<\/span><span class=\"nrp-cell-u\">%<\/span><p>Aon 51%, Gallagher Re 56%.<\/p><p class=\"nrp-cell-foot\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span>2025<\/span><span>Aon, Gallagher Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/span><\/p><\/article><article class=\"nrp-cell\"><p class=\"nf-ui-eyebrow\">CLI \u00b7 Perils<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Share of insured losses from secondary perils<\/h3><span class=\"pp-metric\">92<\/span><span class=\"nrp-cell-u\">%<\/span><p>a record on sigma series.<\/p><p class=\"nrp-cell-foot\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span>2025<\/span><span>Swiss Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/span><\/p><\/article><article class=\"nrp-cell\"><p class=\"nf-ui-eyebrow\">FIN \u00b7 Residual market<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">California FAIR Plan exposure<\/h3><span class=\"pp-metric\">773<\/span><span class=\"nrp-cell-u\">USD billion<\/span><p>698,307 policies.<\/p><p class=\"nrp-cell-foot\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span>2026<\/span><span>FAIR Plan<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n8\" id=\"nx-nrp-sr-06-c3-r8\" aria-label=\"Note 8\">8<\/a><\/sup><\/span><\/p><\/article><article class=\"nrp-cell\"><p class=\"nf-ui-eyebrow\">INF \u00b7 Flood scheme<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">US flood programme authorised to<\/h3><span class=\"pp-metric\">11 Dec<\/span><span class=\"nrp-cell-u\">2026<\/span><p>36 short-term reauthorisations since FY2017.<\/p><p class=\"nrp-cell-foot\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span>2026<\/span><span>CRS<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n10\" id=\"nx-nrp-sr-06-c3-r10\" aria-label=\"Note 10\">10<\/a><\/sup><\/span><\/p><\/article><article class=\"nrp-cell\"><p class=\"nf-ui-eyebrow\">SYS \u00b7 Cross-system<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">Global protection gap, all perils<\/h3><span class=\"pp-metric\">1.83<\/span><span class=\"nrp-cell-u\">USD trillion<\/span><p>premium equivalent.<\/p><p class=\"nrp-cell-foot\"><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><span>2023<\/span><span>Swiss Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n5\" id=\"nx-nrp-sr-06-c3-r5\" aria-label=\"Note 5\">5<\/a><\/sup><\/span><\/p><\/article><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c3-s2\" aria-labelledby=\"nx-nrp-sr-06-c3-s2-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c3-s2-h\"><span class=\"nrp-num\">3.2<\/span><span>Domain posture<\/span><\/h2><p class=\"nrp-stand\">Each of the twelve coupled domains is read through insurance and protection gaps, in words, not scored. The coupling column names the dependency that carries insurance and protection gaps risk into each domain.<\/p><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c3-tab1\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 3.1<\/span><span class=\"nrp-tbl-t\">Each domain read in words, not scored<\/span><\/caption><thead><tr><th scope=\"col\">Domain<\/th><th scope=\"col\">Posture at baseline<\/th><th scope=\"col\">Coupling<\/th><th scope=\"col\">Status<\/th><\/tr><\/thead><tbody><tr><td><span class=\"nrp-mono\">WAT<\/span><\/td><td>Flood is the peril most often left uncovered by homeowners policies; Swiss Re put 2025 flood insured losses at USD 3.4 billion.<\/td><td><span class=\"nrp-mono\">WAT \u2192 FOO, HLT<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">ENE<\/span><\/td><td>Power and energy assets sit inside property and business interruption cover; no consolidated series here.<\/td><td><span class=\"nrp-mono\">ENE \u2192 FOO<\/span><\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Inferred<\/span> <span class=\"nrp-eql\" title=\"Evidence-quality level, 1 to 5\">EQL 2<\/span><\/td><\/tr><tr><td><span class=\"nrp-mono\">FOO<\/span><\/td><td>Crop cover is run through public-private programmes in some markets; no global series bound here.<\/td><td><span class=\"nrp-mono\">WAT \u2192 FOO<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">HLT<\/span><\/td><td>Health and mortality protection gaps are tracked separately and are not consolidated here.<\/td><td><span class=\"nrp-mono\">WAT \u2192 HLT<\/span><\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Inferred<\/span> <span class=\"nrp-eql\" title=\"Evidence-quality level, 1 to 5\">EQL 2<\/span><\/td><\/tr><tr><td><span class=\"nrp-mono\">BIO<\/span><\/td><td>Natural buffers can lower insured losses; evidence not consolidated here.<\/td><td><span class=\"nrp-mono\">BIO \u2192 WAT<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">CLI<\/span><\/td><td>Secondary perils made up 92% of 2025 insured losses; insured losses grow 5% to 7% a year.<\/td><td><span class=\"nrp-mono\">CLI \u2192 FIN<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">INF<\/span><\/td><td>The US flood programme is authorised to 11 December 2026 with 4.5 million policies.<\/td><td><span class=\"nrp-mono\">INF \u2192 FIN<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">FIN<\/span><\/td><td>The core system: 51% to 56% of 2025 economic losses uninsured; USD 1.83 trillion gap in 2023.<\/td><td><span class=\"nrp-mono\">the core system<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">DAT<\/span><\/td><td>Cyber cover is young: premiums close to USD 15 billion in 2025; data on insured share of loss are thin.<\/td><td><span class=\"nrp-mono\">DAT \u2192 FIN<\/span><\/td><td><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><\/td><\/tr><tr><td><span class=\"nrp-mono\">AIC<\/span><\/td><td>Models and data shape pricing and availability; no consolidated series here.<\/td><td><span class=\"nrp-mono\">AIC \u2192 FIN<\/span><\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Inferred<\/span> <span class=\"nrp-eql\" title=\"Evidence-quality level, 1 to 5\">EQL 2<\/span><\/td><\/tr><tr><td><span class=\"nrp-mono\">MIN<\/span><\/td><td>Repair and rebuild costs depend on materials and trades; no series bound here.<\/td><td><span class=\"nrp-mono\">MIN \u2192 FIN<\/span><\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Inferred<\/span> <span class=\"nrp-eql\" title=\"Evidence-quality level, 1 to 5\">EQL 2<\/span><\/td><\/tr><tr><td><span class=\"nrp-mono\">TRD<\/span><\/td><td>Reinsurance is a cross-border market; January 2026 rates fell 14.7%.<\/td><td><span class=\"nrp-mono\">FIN \u2194 TRD<\/span><\/td><td><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><\/td><\/tr><\/tbody><\/table><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c3-s3\" aria-labelledby=\"nx-nrp-sr-06-c3-s3-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c3-s3-h\"><span class=\"nrp-num\">3.3<\/span><span>Sector screens<\/span><\/h2><p class=\"nrp-stand\">All sixteen sectors are screened for their dependence on insurance and protection gaps, on the same grammar as every national edition. The evidence column describes coverage of the baseline evidence, not the performance of the sector.<\/p><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c3-tab2\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 3.2<\/span><span class=\"nrp-tbl-t\">Sectors: baseline evidence and the exposure to watch<\/span><\/caption><thead><tr><th scope=\"col\">Code<\/th><th scope=\"col\">Sector<\/th><th scope=\"col\">Baseline evidence<\/th><th scope=\"col\">Exposure to watch<\/th><th scope=\"col\">Evidence coverage<\/th><\/tr><\/thead><tbody><tr><td><span class=\"nrp-mono\">GS-00<\/span><\/td><td>Cross-system<\/td><td>protection gaps couple every sector<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/td><td>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> with thin backstops<\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-01<\/span><\/td><td>Water<\/td><td>flood cover is thin in homeowners policies<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n11\" id=\"nx-nrp-sr-06-c3-r11\" aria-label=\"Note 11\">11<\/a><\/sup><\/td><td>uninsured flood loss<\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-02<\/span><\/td><td>Energy<\/td><td>energy assets sit inside property cover<\/td><td>large energy loss<\/td><td>THIN<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-03<\/span><\/td><td>Food and agrifood<\/td><td>public-private crop programmes<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n24\" id=\"nx-nrp-sr-06-c3-r24\" aria-label=\"Note 24\">24<\/a><\/sup><\/td><td>crop and flood loss<\/td><td>THIN<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-04<\/span><\/td><td>Health<\/td><td>health and mortality gaps tracked apart<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><td>unpriced health shocks<\/td><td>THIN<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-05<\/span><\/td><td>Finance and economy<\/td><td>USD 1.83 trillion gap across perils<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><td>cover pulled from a market<\/td><td>GOOD<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-06<\/span><\/td><td>Development<\/td><td>USD 9 billion insured of about USD 73 billion in Asia-Pacific<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/td><td>low take-up<\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-07<\/span><\/td><td>Climate<\/td><td>secondary perils are 92% of insured losses<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/td><td><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 trend<\/td><td>GOOD<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-08<\/span><\/td><td>Disaster<\/td><td>public and parametric schemes<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n48\" id=\"nx-nrp-sr-06-c3-r48\" aria-label=\"Note 48\">48<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n18\" id=\"nx-nrp-sr-06-c3-r18\" aria-label=\"Note 18\">18<\/a><\/sup><\/td><td><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 concurrent-hazards\" data-tk=\"Nexus risk vocabulary\" data-td=\"Two or more hazards affecting the same area or population at overlapping times, straining response capacity simultaneously.\" data-ts=\"NRS-C1\" data-tr=\"draft\">concurrent hazards<\/a><\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-09<\/span><\/td><td>Infrastructure<\/td><td>infrastructure losses sit in sibling editions<\/td><td>asset concentration<\/td><td>THIN<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-10<\/span><\/td><td>Cities<\/td><td>dense exposure in single hazard zones<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n8\" aria-label=\"Note 8\">8<\/a><\/sup><\/td><td>urban <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h24\" 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> or flood<\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-11<\/span><\/td><td>Biodiversity<\/td><td>natural buffers for hazard loss<\/td><td>loss of buffers<\/td><td>THIN<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-12<\/span><\/td><td>Earth observation<\/td><td>hazard data feed catastrophe models<\/td><td>model and data change<\/td><td>THIN<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-13<\/span><\/td><td>Cyber and digital<\/td><td>cyber premiums close to USD 15 billion<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n19\" id=\"nx-nrp-sr-06-c3-r19\" aria-label=\"Note 19\">19<\/a><\/sup><\/td><td>accumulation of cyber loss<\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-14<\/span><\/td><td>Policy<\/td><td>Solvency II amendments and disclosure rules<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n21\" id=\"nx-nrp-sr-06-c3-r21\" aria-label=\"Note 21\">21<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n22\" id=\"nx-nrp-sr-06-c3-r22\" aria-label=\"Note 22\">22<\/a><\/sup><\/td><td>implementation gaps<\/td><td>PARTIAL<\/td><\/tr><tr><td><span class=\"nrp-mono\">GS-15<\/span><\/td><td>Science<\/td><td>insurance economics is mature<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n38\" id=\"nx-nrp-sr-06-c3-r38\" aria-label=\"Note 38\">38<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n39\" id=\"nx-nrp-sr-06-c3-r39\" aria-label=\"Note 39\">39<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n40\" id=\"nx-nrp-sr-06-c3-r40\" aria-label=\"Note 40\">40<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c3-n41\" id=\"nx-nrp-sr-06-c3-r41\" aria-label=\"Note 41\">41<\/a><\/sup><\/td><td>data at market scale<\/td><td>PARTIAL<\/td><\/tr><\/tbody><\/table><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c3-notes\" aria-labelledby=\"nx-nrp-sr-06-c3-notes-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c3-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-c3-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-c3-r1\" aria-label=\"Back to the first call of note 1\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r2\" aria-label=\"Back to the first call of note 2\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r3\" aria-label=\"Back to the first call of note 3\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r4\" aria-label=\"Back to the first call of note 4\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r8\" aria-label=\"Back to the first call of note 8\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r10\" aria-label=\"Back to the first call of note 10\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r5\" aria-label=\"Back to the first call of note 5\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r11\" aria-label=\"Back to the first call of note 11\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n24\"><span class=\"nrp-notes-n\">24<\/span><span>USDA Risk Management Agency (ed.), About RMA (created 1996; supports the private insurers that sell federal crop insurance). US Department of Agriculture, Washington. Observation year 1996. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r24\" aria-label=\"Back to the first call of note 24\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r48\" aria-label=\"Back to the first call of note 48\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r18\" aria-label=\"Back to the first call of note 18\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-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-c3-r19\" aria-label=\"Back to the first call of note 19\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n21\"><span class=\"nrp-notes-n\">21<\/span><span>IFRS Foundation (ed.), IFRS S2 Climate-related Disclosures (issued June 2023; effective for periods from 1 January 2024; amendments to greenhouse gas emissions disclosures issued December 2025). ISSB, London. Observation year 2023. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r21\" aria-label=\"Back to the first call of note 21\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n22\"><span class=\"nrp-notes-n\">22<\/span><span>EIOPA (ed.), Solvency II (Directive (EU) 2025\/2 amends the framework; new rules apply from 30 January 2027). European Insurance and Occupational Pensions Authority, Frankfurt. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r22\" aria-label=\"Back to the first call of note 22\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n38\"><span class=\"nrp-notes-n\">38<\/span><span>UNVERIFIED, not opened: Arrow, K.J., Uncertainty and the welfare economics of medical care, American Economic Review 53(5), 941 to 973, 1963, cited from memory. Observation year 1963. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r38\" aria-label=\"Back to the first call of note 38\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n39\"><span class=\"nrp-notes-n\">39<\/span><span>UNVERIFIED, not opened: Akerlof, G.A., The market for lemons: quality uncertainty and the market mechanism, Quarterly Journal of Economics 84(3), 488 to 500, 1970, cited from memory. Observation year 1970. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r39\" aria-label=\"Back to the first call of note 39\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n40\"><span class=\"nrp-notes-n\">40<\/span><span>UNVERIFIED, not opened: Rothschild, M. and Stiglitz, J., Equilibrium in competitive insurance markets: an essay on the economics of imperfect information, Quarterly Journal of Economics 90(4), 629 to 649, 1976, cited from memory. Observation year 1976. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r40\" aria-label=\"Back to the first call of note 40\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c3-n41\"><span class=\"nrp-notes-n\">41<\/span><span>UNVERIFIED, not opened: Kunreuther, H. and Pauly, M., Neglecting disaster: why don\u2019t people insure against large losses?, Journal of Risk and Uncertainty 28(1), 5 to 21, 2004, cited from memory. Observation year 2004. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c3-r41\" aria-label=\"Back to the first call of note 41\">back<\/a><\/span><\/li><\/ol><\/section><section class=\"nrp-block nrp-noprint\" id=\"nx-nrp-sr-06-c3-cite\" aria-labelledby=\"nx-nrp-sr-06-c3-cite-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c3-cite-h\"><span>Cite this chapter<\/span><\/h2><pre class=\"nrp-pre\">Valadbaygi, S. (Ed.). (2026). Chapter 3: Systems and sectors at baseline. 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\/findings\/\" rel=\"prev\"><span class=\"nf-ui-eyebrow\">Previous \u00b7 Chapter 2<\/span><span class=\"nrp-pager-t\">Key findings<\/span><\/a><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/risk-and-capability\/\" rel=\"next\"><span class=\"nf-ui-eyebrow\">Next \u00b7 Chapter 4<\/span><span class=\"nrp-pager-t\">Risks and capability<\/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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