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\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\"><style>#nxe-nr-gcri-editions-sr-06-lenses-and-readings.nxe{display:block;box-sizing:border-box;max-width:1180px;margin:0 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8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-nr-gcri-editions-sr-06-lenses-and-readings.nxe svg{display:none}#nxe-nr-gcri-editions-sr-06-lenses-and-readings.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-nr-gcri-editions-sr-06-lenses-and-readings.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nr-gcri-editions-sr-06-lenses-and-readings.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\/\"><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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">6<\/span><span>Readings from the other desks<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c6-s1\">6.1 The other desks&#8217; editions of this subject<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s2\">6.2 Three lenses<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s3\">6.3 Standards, Academy and steward contributions<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s4\">6.4 <abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr> reading: the model card<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s5\">6.5 Global Risks Forum reading: editorial essays<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s6\">6.6 Global Risks Alliance reading: 2027 insurance and protection gaps readiness pack<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s7\">6.7 Nexus Standards reading: standards and regulatory watch<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s8\">6.8 Risk Academy reading: literature and evidence review, science and assessments<\/a><\/li><\/ol><\/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-c6-top\"><header class=\"nrp-chap-head\" id=\"nx-nrp-sr-06-c6-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 6<\/li><\/ul><span class=\"nrp-rule\" aria-hidden=\"true\"><\/span><h1 class=\"pp-hero-title\">Readings from the other desks<\/h1><p class=\"nrp-lede\">The global baseline is read through each steward\u2019s lens, then once as a whole. Each lens is a projection of reviewed findings, not a separate argument. The other desks&#8217; own editions of this subject are listed first, as cross-references, not copies.<\/p><p class=\"nrp-chap-meta\"><span>17 min read<\/span><span>0 figures<\/span><span>8 tables<\/span><span>41 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\/\"><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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">6<\/span><span>Readings from the other desks<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-c6-s1\">6.1 The other desks&#8217; editions of this subject<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s2\">6.2 Three lenses<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s3\">6.3 Standards, Academy and steward contributions<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s4\">6.4 GCRI reading: the model card<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s5\">6.5 Global Risks Forum reading: editorial essays<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s6\">6.6 Global Risks Alliance reading: 2027 insurance and protection gaps readiness pack<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s7\">6.7 Nexus Standards reading: standards and regulatory watch<\/a><\/li><li><a href=\"#nx-nrp-sr-06-c6-s8\">6.8 Risk Academy reading: literature and evidence review, science and assessments<\/a><\/li><\/ol><\/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-c6-s1\" aria-labelledby=\"nx-nrp-sr-06-c6-s1-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s1-h\"><span class=\"nrp-num\">6.1<\/span><span>The other desks&#8217; editions of this subject<\/span><\/h2><p class=\"nrp-stand\">Federation: each desk writes its own edition for the subjects in its remit. Until a desk releases, its edition shows its frame and the reading this edition printed for it.<\/p><div class=\"nrp-tblw\"><table class=\"nrp-tbl\"><thead><tr><th scope=\"col\">Desk<\/th><th scope=\"col\">Edition<\/th><th scope=\"col\">State<\/th><th scope=\"col\">Identifier<\/th><\/tr><\/thead><tbody><tr data-host=\"true\"><th scope=\"row\">GCRI Systems Evidence<\/th><td>No edition of this subject at this desk in the 2026 Baseline cycle<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Not in this cycle<\/span><\/td><td class=\"nrp-mono\"><\/td><\/tr><tr><th scope=\"row\">GRF Public Deliberation<\/th><td>Outside this desk&#8217;s remit<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Not in remit<\/span><\/td><td class=\"nrp-mono\"><\/td><\/tr><tr><th scope=\"row\">GRA Capital Readiness<\/th><td>No edition of this subject at this desk in the 2026 Baseline cycle<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Not in this cycle<\/span><\/td><td class=\"nrp-mono\"><\/td><\/tr><tr><th scope=\"row\">Standards Progress<\/th><td>Outside this desk&#8217;s remit<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Not in remit<\/span><\/td><td class=\"nrp-mono\"><\/td><\/tr><tr><th scope=\"row\">Academy Capability<\/th><td>Outside this desk&#8217;s remit<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Not in remit<\/span><\/td><td class=\"nrp-mono\"><\/td><\/tr><tr><th scope=\"row\">Index Measurement<\/th><td>Outside this desk&#8217;s remit<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"neutral\" aria-hidden=\"true\"><\/span>Not in remit<\/span><\/td><td class=\"nrp-mono\"><\/td><\/tr><\/tbody><\/table><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s2\" aria-labelledby=\"nx-nrp-sr-06-c6-s2-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s2-h\"><span class=\"nrp-num\">6.2<\/span><span>Three lenses<\/span><\/h2><p class=\"nrp-stand\">One edition, read by each steward. The lens of this site comes first.<\/p><div class=\"nrp-cards\" data-n=\"3\"><article class=\"nf-ui-card nrp-card\" data-host=\"true\"><p class=\"nf-ui-eyebrow\">GCRI \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. Common causes recur across markets, loss spreads through nonrenewal, residual markets and short-dated public schemes, and thresholds such as scheme deadlines and reinsurance pricing set how far it travels. Evidence is strongest for loss totals and weakest for household affordability.<\/p><p class=\"nrp-note\">FIN-001 \u00b7 FIN-006 \u00b7 INF-009 \u00b7 SYS-012<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">GRF \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. The baseline asks that public debate treat insurance as shared and keep take-up and affordability in view.<\/p><p class=\"nrp-note\">FIN-002 \u00b7 FIN-006 \u00b7 INF-009<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">GRA \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<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n1\" id=\"nx-nrp-sr-06-c6-r1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n2\" id=\"nx-nrp-sr-06-c6-r2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n10\" id=\"nx-nrp-sr-06-c6-r10\" aria-label=\"Note 10\">10<\/a><\/sup>. These show where finance-readiness evidence will matter. Nothing here is advice, a rating or an approval.<\/p><p class=\"nrp-note\">FIN-010 \u00b7 DEV-011<\/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. The 2027 programme should bind one-method gap data, test the large-loss pathway and map affordability before the next large event.<\/p><p class=\"nrp-note\">SYS-012 \u00b7 P-01 \u00b7 P-02<\/p><\/article><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s3\" aria-labelledby=\"nx-nrp-sr-06-c6-s3-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s3-h\"><span class=\"nrp-num\">6.3<\/span><span>Standards, Academy and steward contributions<\/span><\/h2><p class=\"nrp-stand\">How the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> drafts, the Risk Academy and the three stewards feed each quarterly edition for insurance and protection gaps. The standards are a preparatory working draft (2026) and are cited as drafts, never as adopted standards.<\/p><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab1\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.1<\/span><span class=\"nrp-tbl-t\">The quarterly rhythm every edition follows<\/span><\/caption><thead><tr><th scope=\"col\">Quarter<\/th><th scope=\"col\">Edition<\/th><th scope=\"col\">Question<\/th><th scope=\"col\">Boundary<\/th><\/tr><\/thead><tbody><tr><td>Q1<\/td><td>State and Agenda<\/td><td>What matters this year, and what is the starting position?<\/td><td>observed baseline stays distinct from planned work<\/td><\/tr><tr><td>Q2<\/td><td>Evidence and Build<\/td><td>What new evidence and capability exist?<\/td><td>a configured capability is not a validated result<\/td><\/tr><tr><td>Q3<\/td><td><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 stress-test\" data-tk=\"Nexus risk vocabulary\" data-td=\"An assessment of how a system, portfolio or institution would perform under severe but plausible adverse scenarios, to find weaknesses before they are revealed by events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Stress Test<\/a> and Readiness<\/td><td>What do scenarios and tests show?<\/td><td>simulated loss or performance is not observed impact<\/td><\/tr><tr><td>Q4<\/td><td>Annual Synthesis and Renewal<\/td><td>What changed in the year, and what renews?<\/td><td>release follows review, not event publicity deadlines<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab2\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.2<\/span><span class=\"nrp-tbl-t\">Who contributes what each quarter<\/span><\/caption><thead><tr><th scope=\"col\">Steward or body<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Contribution route<\/th><\/tr><\/thead><tbody><tr><td>The Global Centre for Risk and Innovation (GCRI Canada)<\/td><td>Lead Institution and Consortium Secretariat; publisher of record; technical truth (key T)<\/td><td>science and practice communities \u00b7 GCRI gateway<\/td><\/tr><tr><td>The Global Risks Forum (GRF)<\/td><td>leadership, dialogue and the <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a> programme; public meaning (key M)<\/td><td>policy, Universe and national adoption \u00b7 GRF gateway<\/td><\/tr><tr><td>The Global Risks Alliance (GRA)<\/td><td>finance, insurance and development readiness; capital meaning (key F)<\/td><td>finance and insurance \u00b7 GRA gateway<\/td><\/tr><tr><td>Nexus Standards<\/td><td>preparatory drafts on vocabulary, hazards, indicators and methods<\/td><td>Standards site \u00b7 working groups HAZ, IND, MTH, FIN, AI<\/td><\/tr><tr><td>Risk Academy<\/td><td>learning pathways tied to the agenda questions<\/td><td>Academy gateway \u00b7 learning by review<\/td><\/tr><tr><td><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> strategic desks<\/td><td>insurance chapter inputs: GCRI evidence and GRA readiness<\/td><td>strategic editorial board<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-split\"><div><h3 class=\"nrp-h3\">Standards drafts used in this edition<\/h3><ul class=\"nrp-list\"><li>Risk vocabulary NRS-C1 (424 terms) for terms in the glossary<\/li><li>Hazard atlas NHS-1 1.1.0 (905 hazards in 120 families) for risk objects<\/li><li>Seven risk classes: global, catastrophic, existential, emerging, planetary, exponential, frontier-tech<\/li><\/ul><\/div><div><h3 class=\"nrp-h3\">Standards calendar to watch<\/h3><ul class=\"nrp-list\"><li>Founding calls from 20 October 2026; working groups meet from 5 November 2026<\/li><li>Inaugural Global Standards Council session, 12 January 2027<\/li><li>Quarterly reviews in March, June, September and December, aligned with each edition<\/li><\/ul><\/div><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">boundary<\/p><p>Nothing here certifies. A Nexus attestation records an evaluation under a mandate; it confers no certification, endorsement or approval. Adoption of any standard is a decision of the competent standards body.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s4\" aria-labelledby=\"nx-nrp-sr-06-c6-s4-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s4-h\"><span class=\"nrp-num\">6.4<\/span><span>GCRI reading: the model card<\/span><\/h2><p class=\"nrp-p\">GCRI&#8217;s reading of this edition is its model card: what the national model is, what it computes and where it stops. It is printed in full in Annex A, with the methods it belongs to. <a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/methodology\/\">Annex A, methodology<\/a><\/p><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s5\" aria-labelledby=\"nx-nrp-sr-06-c6-s5-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s5-h\"><span class=\"nrp-num\">6.5<\/span><span>Global Risks Forum reading: editorial essays<\/span><\/h2><p class=\"nrp-stand\">Four signed essays by the Reports editorial team set out the positions this edition takes. They are interpretation, labelled as such; the evidence they draw on is in the findings register.<\/p><div class=\"nrp-cards\"><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">Households, insurers, reinsurers and governments pass loss to one another. When cover thins at one point, the loss lands on the next. This edition reads the chain, not one line of business.<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">EDITORIAL ESSAY \u00b7 01<\/h3><p>Insurance is a system<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">A market can be well priced and still leave most loss uninsured. The gap is the uncovered share, and it differs by country from about 5% to above 80% of losses covered.<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">EDITORIAL ESSAY \u00b7 02<\/h3><p>Take-up is as important as price<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">Flood, cyclone and parametric schemes move loss to the public balance sheet. Their terms differ: some run to a set date, some on short authorisations, some on a government guarantee.<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">EDITORIAL ESSAY \u00b7 03<\/h3><p>Public schemes trade time for cover<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">Price signals can reward mitigation, and mitigation lowers insured loss. Evidence for this at market scale is thin and sits with sector editions.<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">EDITORIAL ESSAY \u00b7 04<\/h3><p>Pricing and prevention work together<\/p><\/article><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">boundary<\/p><p>Essays are signed views of the editorial team. Contributed articles from regional consortia, national pathways and invited experts begin with the 2027 insurance and protection gaps edition, each with its own review route and disclosures.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s6\" aria-labelledby=\"nx-nrp-sr-06-c6-s6-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s6-h\"><span class=\"nrp-num\">6.6<\/span><span>Global Risks Alliance reading: 2027 insurance and protection gaps readiness pack<\/span><\/h2><p class=\"nrp-stand\">The registers that open the 2027 global cycle. At baseline each is initialised from this edition.<\/p><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab3\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.3<\/span><span class=\"nrp-tbl-t\">2027 insurance and protection gaps readiness pack<\/span><\/caption><thead><tr><th scope=\"col\">Item<\/th><th scope=\"col\">Register<\/th><th scope=\"col\">State at baseline<\/th><th scope=\"col\">First 2027 entry<\/th><\/tr><\/thead><tbody><tr><td>E1<\/td><td><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\" data-tg=\"https:\/\/globalriskforum.com\/glossary\/global-risk\/\" data-tgl=\"Global Risks Forum glossary\">Global risk<\/a> state delta<\/td><td>baseline set by this edition<\/td><td>changes against the baseline<\/td><\/tr><tr><td>E2<\/td><td>WEFH+B state delta<\/td><td>five global system readings set<\/td><td>indicator updates and freshness<\/td><\/tr><tr><td>E3<\/td><td>Agenda and Portfolio movement<\/td><td>eight agenda items \u00b7 6 proposed objects<\/td><td>admission decisions<\/td><\/tr><tr><td>E4<\/td><td>Federation delivery register<\/td><td>national chapters in preparation<\/td><td>national chapters<\/td><\/tr><tr><td>E5<\/td><td>Consortium capability register<\/td><td>national consortia forming<\/td><td>first contributions<\/td><\/tr><tr><td>E6<\/td><td>Leadership questions and challenges<\/td><td>none yet<\/td><td>first challenge log<\/td><\/tr><tr><td>E7<\/td><td>Foundry technical state<\/td><td>national environments prepared<\/td><td>first federation cut<\/td><\/tr><tr><td>E8<\/td><td>Publication candidates<\/td><td>twelve findings carried forward<\/td><td>PUBLISH \u00b7 HOLD dispositions<\/td><\/tr><tr><td>E9<\/td><td>Universe readiness<\/td><td>one candidate mission<\/td><td>admission and role spine<\/td><\/tr><tr><td>E10<\/td><td>Correction register<\/td><td>none<\/td><td>first federation-wide cycle<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nrp-h3\">Publication dispositions<\/h3><ul class=\"nrp-chips\"><li class=\"nf-ui-chip\">Publish<\/li><li class=\"nf-ui-chip\">Hold<\/li><li class=\"nf-ui-chip\">Needs evidence<\/li><li class=\"nf-ui-chip\">Restricted<\/li><li class=\"nf-ui-chip\">Superseded<\/li><\/ul><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">boundary<\/p><p>Programme progress is not real-world risk improvement. These registers record the work of the Nexus programme; they report on no state or organisation.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s7\" aria-labelledby=\"nx-nrp-sr-06-c6-s7-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s7-h\"><span class=\"nrp-num\">6.7<\/span><span>Nexus Standards reading: standards and regulatory watch<\/span><\/h2><p class=\"nrp-stand\">Instruments and published guidance that shape the <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> in this edition, by status on the retrieval date. The edition assesses no one\u2019s compliance.<\/p><ul class=\"nrp-chips\"><li class=\"nf-ui-chip\">IN FORCE<\/li><li class=\"nf-ui-chip\">ADOPTED<\/li><li class=\"nf-ui-chip\">PUBLISHED \u00b7 GUIDANCE<\/li><li class=\"nf-ui-chip\">PUBLISHED \u00b7 VOLUNTARY<\/li><\/ul><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab4\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.4<\/span><span class=\"nrp-tbl-t\">Standards and regulatory watch<\/span><\/caption><thead><tr><th scope=\"col\">Instrument<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">Scope<\/th><th scope=\"col\">Status<\/th><th scope=\"col\">Relevance<\/th><\/tr><\/thead><tbody><tr><td>Solvency II Directive, amended by Directive (EU) 2025\/2<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n22\" id=\"nx-nrp-sr-06-c6-r22\" aria-label=\"Note 22\">22<\/a><\/sup><\/td><td>European Union<\/td><td>EU<\/td><td>IN FORCE<\/td><td>prudential rules<\/td><\/tr><tr><td>IFRS S2 Climate-related Disclosures<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n21\" id=\"nx-nrp-sr-06-c6-r21\" aria-label=\"Note 21\">21<\/a><\/sup><\/td><td>ISSB<\/td><td>global use<\/td><td>ISSUED 2023<\/td><td>climate disclosure<\/td><\/tr><tr><td>Insurance Core Principles<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n29\" id=\"nx-nrp-sr-06-c6-r29\" aria-label=\"Note 29\">29<\/a><\/sup><\/td><td>IAIS<\/td><td>global<\/td><td>ADOPTED 2019<\/td><td>supervision<\/td><\/tr><tr><td>Application Paper on climate-related risks<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n30\" id=\"nx-nrp-sr-06-c6-r30\" aria-label=\"Note 30\">30<\/a><\/sup><\/td><td>IAIS<\/td><td>global<\/td><td>PUBLISHED \u00b7 GUIDANCE<\/td><td>climate supervision<\/td><\/tr><tr><td>Principles for Sustainable Insurance<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n20\" id=\"nx-nrp-sr-06-c6-r20\" aria-label=\"Note 20\">20<\/a><\/sup><\/td><td>UNEP FI<\/td><td>global<\/td><td>PUBLISHED \u00b7 VOLUNTARY<\/td><td>insurer practice<\/td><\/tr><tr><td>ISO 31000 risk management<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n31\" id=\"nx-nrp-sr-06-c6-r31\" aria-label=\"Note 31\">31<\/a><\/sup><\/td><td>ISO<\/td><td>global<\/td><td>PUBLISHED \u00b7 VOLUNTARY<\/td><td>risk process<\/td><\/tr><tr><td><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/sendai-framework-alignment\/\">Sendai Framework<\/a> 2015 to 2030<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n28\" id=\"nx-nrp-sr-06-c6-r28\" aria-label=\"Note 28\">28<\/a><\/sup><\/td><td>UNDRR<\/td><td>global<\/td><td>ADOPTED 2015<\/td><td>disaster <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-reduction\" data-tk=\"Nexus risk vocabulary\" data-td=\"Preventing new risk, reducing existing risk and managing residual risk, all contributing to resilience.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk reduction<\/a><\/td><\/tr><tr><td>National Flood Insurance Act of 1968<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n34\" id=\"nx-nrp-sr-06-c6-r34\" aria-label=\"Note 34\">34<\/a><\/sup><\/td><td>United States<\/td><td>US<\/td><td>IN FORCE<\/td><td>flood programme<\/td><\/tr><tr><td>Terrorism Risk Insurance Act of 2002<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n33\" id=\"nx-nrp-sr-06-c6-r33\" aria-label=\"Note 33\">33<\/a><\/sup><\/td><td>United States<\/td><td>US<\/td><td>IN FORCE<\/td><td>terrorism backstop<\/td><\/tr><tr><td>Federal crop insurance programme<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n24\" id=\"nx-nrp-sr-06-c6-r24\" aria-label=\"Note 24\">24<\/a><\/sup><\/td><td>USDA RMA<\/td><td>US<\/td><td>IN FORCE<\/td><td>crop cover<\/td><\/tr><tr><td><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<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n18\" id=\"nx-nrp-sr-06-c6-r18\" aria-label=\"Note 18\">18<\/a><\/sup><\/td><td>Australia<\/td><td>AU<\/td><td>IN FORCE<\/td><td>cyclone and related flood<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-split\"><div><h3 class=\"nrp-h3\">Changed since 2024<\/h3><ul class=\"nrp-list\"><li>The amended Solvency II rules apply from 30 January 2027<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n22\" aria-label=\"Note 22\">22<\/a><\/sup><\/li><li>The ISSB issued amendments to greenhouse gas emissions disclosures in December 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n21\" aria-label=\"Note 21\">21<\/a><\/sup><\/li><li>The US flood programme was extended to 11 December 2026 after lapses in 2025 and 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n10\" aria-label=\"Note 10\">10<\/a><\/sup><\/li><\/ul><\/div><div><h3 class=\"nrp-h3\">To watch in 2027<\/h3><ul class=\"nrp-list\"><li>Reauthorisation of the US flood programme<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n10\" aria-label=\"Note 10\">10<\/a><\/sup><\/li><li>Application of the amended Solvency II rules<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n22\" aria-label=\"Note 22\">22<\/a><\/sup><\/li><li>EU decisions on a reinsurance scheme and a public disaster fund<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n14\" id=\"nx-nrp-sr-06-c6-r14\" aria-label=\"Note 14\">14<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n15\" id=\"nx-nrp-sr-06-c6-r15\" aria-label=\"Note 15\">15<\/a><\/sup><\/li><\/ul><\/div><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">evidence<\/p><p>Status is read from the issuing body on the retrieval date. Instruments open for signature or awaiting ratification are labelled as such; a change in status opens a review task for every finding that relies on the instrument.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-s8\" aria-labelledby=\"nx-nrp-sr-06-c6-s8-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-s8-h\"><span class=\"nrp-num\">6.8<\/span><span>Risk Academy reading: literature and evidence review, science and assessments<\/span><\/h2><p class=\"nrp-stand\">The review behind this edition covers insurance and protection gaps assessments, peer-reviewed science and the institutional reports that bind its findings. Systematic reviews for each agenda item begin in 2027.<\/p><h3 class=\"nrp-h3\">Review protocol<\/h3><dl class=\"nrp-dl\"><dt>Question<\/dt><dd>What does the published evidence establish about the world\u2019s insurance markets, protection gaps and insurability limits and its couplings?<\/dd><dt>Sources searched<\/dt><dd>insurer and broker loss reports; supervisory papers; scheme statistics; peer-reviewed insurance economics<\/dd><dt>Window<\/dt><dd>releases available at evidence close, 30 September 2026<\/dd><dt>Selection<\/dt><dd>sources that bind or contextualise a finding in this edition<\/dd><dt>Next step<\/dt><dd>systematic reviews for agenda items 01 to 05 in 2027<\/dd><\/dl><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab5\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.5<\/span><span class=\"nrp-tbl-t\">Peer-reviewed science and economics<\/span><\/caption><thead><tr><th scope=\"col\">Reference<\/th><th scope=\"col\">Type<\/th><th scope=\"col\">Year<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Used for<\/th><\/tr><\/thead><tbody><tr><td>Arrow<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n38\" id=\"nx-nrp-sr-06-c6-r38\" aria-label=\"Note 38\">38<\/a><\/sup><\/td><td>journal article<\/td><td>1963<\/td><td>framework<\/td><td>uncertainty and insurance<\/td><\/tr><tr><td>Akerlof<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n39\" id=\"nx-nrp-sr-06-c6-r39\" aria-label=\"Note 39\">39<\/a><\/sup><\/td><td>journal article<\/td><td>1970<\/td><td>framework<\/td><td><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 adverse-selection\" data-tk=\"Nexus risk vocabulary\" data-td=\"The tendency of those facing higher risk to seek more cover, which can undermine pools when risk cannot be observed.\" data-ts=\"NRS-C1\" data-tr=\"draft\">adverse selection<\/a><\/td><\/tr><tr><td>Rothschild and Stiglitz<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n40\" id=\"nx-nrp-sr-06-c6-r40\" aria-label=\"Note 40\">40<\/a><\/sup><\/td><td>journal article<\/td><td>1976<\/td><td>framework<\/td><td>competitive insurance markets<\/td><\/tr><tr><td>Kunreuther and Pauly<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n41\" id=\"nx-nrp-sr-06-c6-r41\" aria-label=\"Note 41\">41<\/a><\/sup><\/td><td>journal article<\/td><td>2004<\/td><td>supports<\/td><td>low take-up of cover<\/td><\/tr><tr><td>Kousky and Cooke<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n42\" id=\"nx-nrp-sr-06-c6-r42\" aria-label=\"Note 42\">42<\/a><\/sup><\/td><td>journal article<\/td><td>2012<\/td><td>supports<\/td><td>failure to insure <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 catastrophic-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk that could, in a plausible scenario, cause global catastrophe, a very large loss of life or a civilisational setback that takes generations to recover from.\" data-ts=\"NRS-C1\" data-tr=\"draft\">catastrophic risk<\/a><\/td><\/tr><tr><td>Froot<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n43\" id=\"nx-nrp-sr-06-c6-r43\" aria-label=\"Note 43\">43<\/a><\/sup><\/td><td>journal article<\/td><td>2001<\/td><td>supports<\/td><td>catastrophe risk markets<\/td><\/tr><tr><td>Michel-Kerjan<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n44\" id=\"nx-nrp-sr-06-c6-r44\" aria-label=\"Note 44\">44<\/a><\/sup><\/td><td>journal article<\/td><td>2010<\/td><td>context<\/td><td>flood programme economics<\/td><\/tr><tr><td>Cummins and Trainar<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n45\" id=\"nx-nrp-sr-06-c6-r45\" aria-label=\"Note 45\">45<\/a><\/sup><\/td><td>journal article<\/td><td>2009<\/td><td>framework<\/td><td>reinsurance and securitisation<\/td><\/tr><tr><td>Ben-Shahar and Logue<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n46\" id=\"nx-nrp-sr-06-c6-r46\" aria-label=\"Note 46\">46<\/a><\/sup><\/td><td>journal article<\/td><td>2012<\/td><td>framework<\/td><td>insurance and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 moral-hazard\" data-tk=\"Nexus risk vocabulary\" data-td=\"The tendency of a party protected from consequences to take more risk than it otherwise would.\" data-ts=\"NRS-C1\" data-tr=\"draft\">moral hazard<\/a><\/td><\/tr><tr><td>Zscheischler et al.<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n47\" id=\"nx-nrp-sr-06-c6-r47\" aria-label=\"Note 47\">47<\/a><\/sup><\/td><td>journal article<\/td><td>2018<\/td><td>framework<\/td><td>compound events<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab6\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.6<\/span><span class=\"nrp-tbl-t\">Institutional flagships<\/span><\/caption><thead><tr><th scope=\"col\">Reference<\/th><th scope=\"col\">Issuer<\/th><th scope=\"col\">Year<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Used for<\/th><\/tr><\/thead><tbody><tr><td>Natural catastrophes in 2025, as reported<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/td><td>Swiss Re Institute<\/td><td>2026<\/td><td>supports<\/td><td>losses and trends<\/td><\/tr><tr><td>World insurance in 2026, as reported<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n6\" id=\"nx-nrp-sr-06-c6-r6\" aria-label=\"Note 6\">6<\/a><\/sup><\/td><td>Swiss Re Institute<\/td><td>2026<\/td><td>context<\/td><td>premium growth<\/td><\/tr><tr><td>Resilience index, as reported<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n5\" id=\"nx-nrp-sr-06-c6-r5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><td>Swiss Re Institute<\/td><td>2024<\/td><td>supports<\/td><td><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><\/td><\/tr><tr><td>Outlook, as reported<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n7\" id=\"nx-nrp-sr-06-c6-r7\" aria-label=\"Note 7\">7<\/a><\/sup><\/td><td>Swiss Re Institute<\/td><td>2025<\/td><td>context<\/td><td>exposure and premiums<\/td><\/tr><tr><td>Towards a European system<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n14\" aria-label=\"Note 14\">14<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n15\" aria-label=\"Note 15\">15<\/a><\/sup><\/td><td>EIOPA and ECB<\/td><td>2024<\/td><td>supports<\/td><td>EU proposals<\/td><\/tr><tr><td>Dashboard on the protection gap<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n13\" id=\"nx-nrp-sr-06-c6-r13\" aria-label=\"Note 13\">13<\/a><\/sup><\/td><td>EIOPA<\/td><td>2025<\/td><td>context<\/td><td>European data<\/td><\/tr><tr><td>GAR 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n26\" id=\"nx-nrp-sr-06-c6-r26\" aria-label=\"Note 26\">26<\/a><\/sup><\/td><td>UNDRR<\/td><td>2025<\/td><td>context<\/td><td>disaster risk<\/td><\/tr><tr><td>AR6 Working Group II<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n27\" id=\"nx-nrp-sr-06-c6-r27\" aria-label=\"Note 27\">27<\/a><\/sup><\/td><td>IPCC<\/td><td>2022<\/td><td>context<\/td><td>impacts and adaptation<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab7\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.7<\/span><span class=\"nrp-tbl-t\">Loss statistics and market reports<\/span><\/caption><thead><tr><th scope=\"col\">Reference<\/th><th scope=\"col\">Issuer<\/th><th scope=\"col\">Year<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Used for<\/th><\/tr><\/thead><tbody><tr><td>Natural disaster losses 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/td><td>Munich Re<\/td><td>2026<\/td><td>supports<\/td><td>losses and renewals<\/td><\/tr><tr><td>Climate and Catastrophe Insight 2026<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n3\" id=\"nx-nrp-sr-06-c6-r3\" aria-label=\"Note 3\">3<\/a><\/sup><\/td><td>Aon<\/td><td>2026<\/td><td>supports<\/td><td>losses and gap<\/td><\/tr><tr><td>Natural Catastrophe and Climate Report<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n4\" id=\"nx-nrp-sr-06-c6-r4\" aria-label=\"Note 4\">4<\/a><\/sup><\/td><td>Gallagher Re<\/td><td>2026<\/td><td>supports<\/td><td>losses and gap<\/td><\/tr><tr><td>Global Cyber Risk and Insurance Survey<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n19\" id=\"nx-nrp-sr-06-c6-r19\" aria-label=\"Note 19\">19<\/a><\/sup><\/td><td>Munich Re<\/td><td>2026<\/td><td>supports<\/td><td>cyber premiums<\/td><\/tr><tr><td>Homeowners insurance report<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n12\" id=\"nx-nrp-sr-06-c6-r12\" aria-label=\"Note 12\">12<\/a><\/sup><\/td><td>US Treasury FIO<\/td><td>2025<\/td><td>supports<\/td><td>availability and price<\/td><\/tr><tr><td>NFIP Insight<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n10\" aria-label=\"Note 10\">10<\/a><\/sup><\/td><td>Congressional Research Service<\/td><td>2026<\/td><td>supports<\/td><td>flood programme<\/td><\/tr><tr><td>FAIR Plan statistics<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n8\" id=\"nx-nrp-sr-06-c6-r8\" aria-label=\"Note 8\">8<\/a><\/sup><\/td><td>California FAIR Plan<\/td><td>2026<\/td><td>supports<\/td><td>residual market<\/td><\/tr><tr><td>Citizens policy counts<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n9\" id=\"nx-nrp-sr-06-c6-r9\" aria-label=\"Note 9\">9<\/a><\/sup><\/td><td>News Service of Florida<\/td><td>2025<\/td><td>context<\/td><td>residual market<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-c6-tab8\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table 6.8<\/span><span class=\"nrp-tbl-t\">Standards, directives and schemes<\/span><\/caption><thead><tr><th scope=\"col\">Reference<\/th><th scope=\"col\">Issuer<\/th><th scope=\"col\">Year<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Used for<\/th><\/tr><\/thead><tbody><tr><td>Solvency II amendments<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n22\" aria-label=\"Note 22\">22<\/a><\/sup><\/td><td>EIOPA<\/td><td>2026<\/td><td>context<\/td><td>prudential rules<\/td><\/tr><tr><td>IFRS S2<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n21\" aria-label=\"Note 21\">21<\/a><\/sup><\/td><td>ISSB<\/td><td>2023<\/td><td>context<\/td><td>climate disclosure<\/td><\/tr><tr><td>Principles for Sustainable Insurance<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n20\" aria-label=\"Note 20\">20<\/a><\/sup><\/td><td>UNEP FI<\/td><td>2012<\/td><td>context<\/td><td>insurer principles<\/td><\/tr><tr><td>Insurance Core Principles<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n29\" aria-label=\"Note 29\">29<\/a><\/sup><\/td><td>IAIS<\/td><td>2019<\/td><td>context<\/td><td>supervision<\/td><\/tr><tr><td>Climate application paper<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n30\" aria-label=\"Note 30\">30<\/a><\/sup><\/td><td>IAIS<\/td><td>2021<\/td><td>context<\/td><td>climate supervision<\/td><\/tr><tr><td>Cyclone pool<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n18\" aria-label=\"Note 18\">18<\/a><\/sup><\/td><td>ARPC<\/td><td>2022<\/td><td>supports<\/td><td>public backstop<\/td><\/tr><tr><td>CCRIF snapshot<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n48\" id=\"nx-nrp-sr-06-c6-r48\" aria-label=\"Note 48\">48<\/a><\/sup><\/td><td>CCRIF<\/td><td>2025<\/td><td>supports<\/td><td>parametric cover<\/td><\/tr><tr><td>CCRIF About us<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n17\" id=\"nx-nrp-sr-06-c6-r17\" aria-label=\"Note 17\">17<\/a><\/sup><\/td><td>CCRIF<\/td><td>2026<\/td><td>post-close, context only<\/td><td>later payout totals<\/td><\/tr><tr><td>Flood Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n16\" id=\"nx-nrp-sr-06-c6-r16\" aria-label=\"Note 16\">16<\/a><\/sup><\/td><td>Flood Re<\/td><td>2026<\/td><td>context<\/td><td>affordable flood cover<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-split\"><div><h3 class=\"nrp-h3\">Where the evidence agrees<\/h3><ul class=\"nrp-list\"><li>Insured losses are rising in real terms and secondary perils dominate<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n1\" aria-label=\"Note 1\">1<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/li><li>Take-up of cover is low in many markets<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n2\" aria-label=\"Note 2\">2<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/li><li>Public schemes carry part of the loss in several countries<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n10\" aria-label=\"Note 10\">10<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n16\" aria-label=\"Note 16\">16<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n48\" aria-label=\"Note 48\">48<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n18\" aria-label=\"Note 18\">18<\/a><\/sup><\/li><\/ul><\/div><div><h3 class=\"nrp-h3\">Where it is unsettled<\/h3><ul class=\"nrp-list\"><li>What the global protection gap was in 2025 on one method<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n3\" aria-label=\"Note 3\">3<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/li><li>How far withdrawal of cover will spread beyond high-risk US areas<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n12\" aria-label=\"Note 12\">12<\/a><\/sup><\/li><li>How much of cyber loss is insured<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-c6-n19\" aria-label=\"Note 19\">19<\/a><\/sup><\/li><\/ul><\/div><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">NEWS AND PREPRINTS<\/p><p>No news report or preprint binds a finding in this edition. News is used only to date events; preprints used from 2027 will be flagged as not peer-reviewed.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-c6-notes\" aria-labelledby=\"nx-nrp-sr-06-c6-notes-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-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-c6-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-c6-r1\" aria-label=\"Back to the first call of note 1\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r2\" aria-label=\"Back to the first call of note 2\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r10\" aria-label=\"Back to the first call of note 10\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r22\" aria-label=\"Back to the first call of note 22\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r21\" aria-label=\"Back to the first call of note 21\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n29\"><span class=\"nrp-notes-n\">29<\/span><span>UNVERIFIED, not opened: IAIS (ed.), Insurance Core Principles, Standards, Guidance and Assessment Methodology, adopted November 2019, cited from memory. International Association of Insurance Supervisors, Basel. Observation year 2019. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r29\" aria-label=\"Back to the first call of note 29\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n30\"><span class=\"nrp-notes-n\">30<\/span><span>UNVERIFIED, not opened: IAIS (ed.), Application Paper on the Supervision of Climate-related Risks in the Insurance Sector, May 2021, cited from memory. International Association of Insurance Supervisors, Basel. Observation year 2021. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r30\" aria-label=\"Back to the first call of note 30\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n20\"><span class=\"nrp-notes-n\">20<\/span><span>UNEP Finance Initiative (ed.), Principles for Sustainable Insurance (launched 2012; close to 300 members). United Nations Environment Programme, Geneva. Observation year 2012. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r20\" aria-label=\"Back to the first call of note 20\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n31\"><span class=\"nrp-notes-n\">31<\/span><span>UNVERIFIED, not opened: ISO 31000:2018, Risk management: guidelines. International Organization for Standardization, Geneva. Observation year 2018. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r31\" aria-label=\"Back to the first call of note 31\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n28\"><span class=\"nrp-notes-n\">28<\/span><span>UNVERIFIED, not opened: UNDRR (ed.), <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/sendai-framework-alignment\/\">Sendai Framework<\/a> for Disaster <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-reduction\" data-tk=\"Nexus risk vocabulary\" data-td=\"Preventing new risk, reducing existing risk and managing residual risk, all contributing to resilience.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Risk Reduction<\/a> 2015 to 2030, cited from memory; the monitoring host was not reachable. United Nations Office for Disaster Risk Reduction, Geneva. Observation year 2015. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r28\" aria-label=\"Back to the first call of note 28\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n34\"><span class=\"nrp-notes-n\">34<\/span><span>UNVERIFIED, not opened: National Flood Insurance Act of 1968, Title XIII of the Housing and Urban Development Act of 1968, cited from memory; no figure used. United States Congress, Washington. Observation year 1968. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r34\" aria-label=\"Back to the first call of note 34\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n33\"><span class=\"nrp-notes-n\">33<\/span><span>UNVERIFIED, not opened: Terrorism Risk Insurance Act of 2002, Public Law 107-297, cited from memory; no figure used. United States Congress, Washington. Observation year 2002. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r33\" aria-label=\"Back to the first call of note 33\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r24\" aria-label=\"Back to the first call of note 24\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r18\" aria-label=\"Back to the first call of note 18\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n14\"><span class=\"nrp-notes-n\">14<\/span><span>EIOPA and ECB (eds.), Towards a European system for natural catastrophe risk management (publication page; 18 December 2024; proposes an EU public-private reinsurance scheme and an EU fund for public disaster financing). EIOPA, Frankfurt. Observation year 2024. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r14\" aria-label=\"Back to the first call of note 14\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n15\"><span class=\"nrp-notes-n\">15<\/span><span>European Central Bank and Banque de France (eds.), press release on the ECB and EIOPA proposal for a European approach to natural catastrophes (18 December 2024; page updated 24 September 2026). Observation year 2024. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r15\" aria-label=\"Back to the first call of note 15\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r38\" aria-label=\"Back to the first call of note 38\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r39\" aria-label=\"Back to the first call of note 39\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r40\" aria-label=\"Back to the first call of note 40\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r41\" aria-label=\"Back to the first call of note 41\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n42\"><span class=\"nrp-notes-n\">42<\/span><span>UNVERIFIED, not opened: Kousky, C. and Cooke, R., Explaining the failure to insure catastrophic risks, Geneva Papers on Risk and Insurance 37, 206 to 227, 2012, cited from memory. Observation year 2012. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r42\" aria-label=\"Back to the first call of note 42\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n43\"><span class=\"nrp-notes-n\">43<\/span><span>UNVERIFIED, not opened: Froot, K.A., The market for catastrophe risk: a clinical examination, Journal of Financial Economics 60, 529 to 571, 2001, cited from memory. Observation year 2001. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r43\" aria-label=\"Back to the first call of note 43\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n44\"><span class=\"nrp-notes-n\">44<\/span><span>UNVERIFIED, not opened: Michel-Kerjan, E.O., Catastrophe economics: the National Flood Insurance Program, Journal of Economic Perspectives 24(4), 165 to 186, 2010, cited from memory. Observation year 2010. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r44\" aria-label=\"Back to the first call of note 44\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n45\"><span class=\"nrp-notes-n\">45<\/span><span>UNVERIFIED, not opened: Cummins, J.D. and Trainar, P., Securitization, insurance, and reinsurance, Journal of Risk and Insurance 76(3), 463 to 492, 2009, cited from memory. Observation year 2009. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r45\" aria-label=\"Back to the first call of note 45\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n46\"><span class=\"nrp-notes-n\">46<\/span><span>UNVERIFIED, not opened: Ben-Shahar, O. and Logue, K.D., Outsourcing regulation: how insurance reduces <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 moral-hazard\" data-tk=\"Nexus risk vocabulary\" data-td=\"The tendency of a party protected from consequences to take more risk than it otherwise would.\" data-ts=\"NRS-C1\" data-tr=\"draft\">moral hazard<\/a>, Michigan Law Review 111(2), 197 to 248, 2012, cited from memory. Observation year 2012. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r46\" aria-label=\"Back to the first call of note 46\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n47\"><span class=\"nrp-notes-n\">47<\/span><span>UNVERIFIED, not opened: Zscheischler, J. et al., Future climate risk from compound events, Nature <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 climate-change\" data-tk=\"Nexus risk vocabulary\" data-td=\"A change in the state of the climate that persists for decades or longer, identified by shifts in averages and variability; in current practice, mainly the change driven by human emissions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Climate Change<\/a> 8, 469 to 477, 2018, cited from memory. Springer Nature. Observation year 2018. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r47\" aria-label=\"Back to the first call of note 47\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n6\"><span class=\"nrp-notes-n\">6<\/span><span>Risk and Insurance (ed.), report of Swiss Re Institute, World insurance in 2026: shock absorbers in a fragmenting world, July 2026 (real premium growth 3.9% in 2025, 1.3% in 2026 and 1.6% in 2027). The sigma report was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r6\" aria-label=\"Back to the first call of note 6\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r5\" aria-label=\"Back to the first call of note 5\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n7\"><span class=\"nrp-notes-n\">7<\/span><span>Artemis (ed.), report of Swiss Re Institute insurance market outlook, July 2025 (inflation-adjusted natural catastrophe exposure growth of 5% to 7% a year, faster than premiums). The outlook itself was not opened. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r7\" aria-label=\"Back to the first call of note 7\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n13\"><span class=\"nrp-notes-n\">13<\/span><span>EIOPA (ed.), Dashboard on insurance protection gap for natural catastrophes (30 European countries; insurance coverage and economic loss data from 1980 to 2024; page updated December 2025). European Insurance and Occupational Pensions Authority, Frankfurt. Observation year 2024. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r13\" aria-label=\"Back to the first call of note 13\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n26\"><span class=\"nrp-notes-n\">26<\/span><span>UNVERIFIED, not opened: UNDRR (ed.), Global Assessment Report on Disaster Risk Reduction 2025: Resilience Pays, cited from memory; no figure used. United Nations Office for Disaster Risk Reduction, Geneva. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r26\" aria-label=\"Back to the first call of note 26\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n27\"><span class=\"nrp-notes-n\">27<\/span><span>UNVERIFIED, not opened: IPCC, Climate Change 2022: Impacts, Adaptation and Vulnerability, Working Group II contribution to the Sixth Assessment Report, cited from memory; no figure used; the IPCC page returned an access error. Cambridge University Press. Observation year 2022. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r27\" aria-label=\"Back to the first call of note 27\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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; protection gap 51%, a record low). Aon, London. Observation year 2025. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r3\" aria-label=\"Back to the first call of note 3\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r4\" aria-label=\"Back to the first call of note 4\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r19\" aria-label=\"Back to the first call of note 19\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r12\" aria-label=\"Back to the first call of note 12\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r8\" aria-label=\"Back to the first call of note 8\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r9\" aria-label=\"Back to the first call of note 9\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r48\" aria-label=\"Back to the first call of note 48\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-n17\"><span class=\"nrp-notes-n\">17<\/span><span>POST-CLOSE, context only: CCRIF SPC (ed.), About us (40 members; 83 payouts and about USD 500 million paid from June 2007 to October 2026; eight parametric products). CCRIF SPC, Grand Cayman. Observation year 2026. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-c6-r17\" aria-label=\"Back to the first call of note 17\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-c6-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-c6-r16\" aria-label=\"Back to the first call of note 16\">back<\/a><\/span><\/li><\/ol><\/section><section class=\"nrp-block nrp-noprint\" id=\"nx-nrp-sr-06-c6-cite\" aria-labelledby=\"nx-nrp-sr-06-c6-cite-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-c6-cite-h\"><span>Cite this chapter<\/span><\/h2><pre class=\"nrp-pre\">Valadbaygi, S. (Ed.). (2026). Chapter 6: Readings from the other desks. 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\/scenario\/\" rel=\"prev\"><span class=\"nf-ui-eyebrow\">Previous \u00b7 Chapter 5<\/span><span class=\"nrp-pager-t\">Large insured loss that meets soft pricing and thin backstops<\/span><\/a><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/agenda\/\" rel=\"next\"><span class=\"nf-ui-eyebrow\">Next \u00b7 Chapter 7<\/span><span class=\"nrp-pager-t\">The 2027 agenda<\/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\">Reports is the Consortium&#8217;s quarterly publication, written by six desks. This page sits with the 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-nexus-reports-editions-sr-06-lenses-and-readings-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-nexus-reports-editions-sr-06-lenses-and-readings-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-nexus-reports-editions-sr-06-lenses-and-readings-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  Chapter 6\"; 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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