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3f8CIwreJoKRwHHRNXfc3DNWM71mKy3t5exrop26P5rHHY0mUqm1lVsbKWnnDQTlzxbGV59ZITZ8usdKDHBDQ2iK9F6vfUB0grpmGa91nasCvrC6\/WM5U8ZNsoPOE9M9PzwMr016N2kvY8ZRIAMURhHkVJtB4N1b2Bpu5pnaPicwDWxQ6W04JQ8TcOCpylEWZXqobIrxvvIA0g+9sasM6amltxQL1HJloG6A0S61Ub664U1cqXwJeQqFLw6oWZiOVL1dQX6EzeKferZKHeDeaIhnycb4A2x0HQsQCeYK1i4SkVrsGZl5S4CmlJcX39kfiyGmG6vNsWrwsoV0aS2zbZITV5hLyeNQJXk6oO4qPcEy6krNhbUDDnmsRSf+mf26wvePVfpj1F0ydqrPjgZcyx0Air4vlAmKn3EciYw3pqRbDuy154olvl5p64Tw2oXgVZxmjxWvQwbHYLisLJtn3Z1erc4TLEyQPLFDlfa9IoRQIRBxn3s3hz5EO6cIdL7SnhflkOSfmtg+STpJ7mDuwBNOvFH7Df6mCEHQoizA88oPitjjNQx26tuy9\/RlhBtotD8wCEuvYFBJYNXo7yH586+EGrAtsMHdMjMBGTmW1EP0pYu4h5mVmEjzY+b7cqJzPrmvGFWDaTX7swykGP8f9RDvrZ1aGXbyap2g\/+XkUhOyp5NR3LVU4mA6OdFUZE6ZSjHSHUKJkuqSKXu88WBlUhpFe8CYDRj1THd3C+ZeiJ6hQOxp\/OneL0GSvZhWzbU0RwtIapaJ1YRNV\/GmKqhngj13dv7gFeP1PxQkVqBn5UzWhs3PVbGkFwJegEx8Bfs6CxjxC94FLxZBY4KzlU12fwmw21399wcOVPJSIycKQTrJU\/XCfyUGcdG4CPAUruHEUp2w69ttsTJZJAYgfLtyFdgGHF5pD8aFCTRTWXUZmkMLguEcAgpH7arz8FKV0g1IaIZaI\/acyeYUakBLvrOgNvJAwxRDhfCCL7lXrLflPb6K0n63wbWe7K3WK\/Nr1VH5ZtSiyuXoAU+brZ7e\/P1urL8yJlyNmguU0F8zQL+3neFy\/RDo7GR4edOQVB5aJgPhJB2DwlbVUf8BTvhRuAkWnEQuKSJrCXOfGZj0urGeVRODLMN+\/FzwuAUeMFgVju77pzMCSEL8AhbZDAGeD\/kvT6IXh8q4y7jhFuOkGXOe7zM04DE5QBNnrQCWEjzjPYv2EATI2+fCIGFDRjQMQ0949gA67xUpQ8so+YTG2SCeeV2Hvk08KQOXiGH9Xqb3y\/kF3JMRTmfZ\/EBdWKdV7i0S2SrsSSt7vJorlZjqXZ8rKVw2BOOfXgFisj+cvAjhqHsOMy4dM+9zJo8C0mMV7yxCoWl50\/zFFhcyOUlq82BUFhzBOcBTLkGZJGFJi8GVfaWAKwt\/OOu7adA0JO+V3Q78Em1BlFpolCCcb4J8wEKCxktWMjotqu7NJZIzx\/c5UWyMONWt6JKccy8QJWFCW0dEdHY06d+BlF1s1L46aa2+ragMONrMcujPxlN0HqdvTAgHrcq7HOrUz2SfZS1Wz1dsaPhVFR9p0ni+GEzGo3EuZzj2iwehbIq4UdaKVJn5fJUboUTRwsnjm\/Q5aB2\/HT7oBQXe76F9TaF\/Eqzmt3aTfLdSgiJezzXmLTDxrjrmNVRDyoC3BFFsqVIi9l7cqLVVUZKnkDPfNH\/2xv0\/\/Yse\/DPF7ha5wGB3kLJIceT5K6ulvBwFTWzVF8OLrThEzNRFmcb4X57IPCTig7h\/EmS+\/BaCAJiZfT+jGhOvNL1RmLXzJFXvG4ofkHZnovYO4b4R8FcPNgsOveX1INUFULY+ka+5bP6+63ZI+bf3urlBjfM3t7fHsYwUSvP7fFNc56AhiFslCj8vCQPMjwyszm1LfOhucQvIKasK1iZdpN\/jaOF2W5+s15C\/IfOXswasen88ytuzHm6zKM2ALUqVGkhz0CxOlcW1xTnNwJUpyAS5ClOInAW8cOxpLEPsZ+KXyxxXCp+cioqfk4pS3xXVHYhl\/ogew9pXES+xd6OQDNdNL2nzwg3Y3m4WVV2JC6P9+l2tFmmcc\/zJ0lhrluJRPw8DaRQWVQgBz5jQBAppMDd3FMtoXDIZRk2SWg6iQKvYx+81nIEfwAR5QM7mmaj\/8BFlHuaxbNNWf8D20oV\/B4qvtcrvucVp6z\/ng2emIimk\/bC3bxXMYxaoo8nUpAIbPGcyHWeqWR3+i+sgqRE6PIKOJwO1LPk1ug4m10ZTHyBBwSWoaBTyvWwOXaYAacPZT6S93oB0GDKjG\/C8+ijbtLGK\/XxquBh1LL09433tVn1uNvSx92fD17p6zWHgYJgApqlXConXFrZew9qI21ErYzcfSSt7sec3f+Y5T74CJtF2U3fgwzwcWADkKsInaT++YnQ69dl4S\/XmZlZH4p6Z31WWyZVE6X+6m8wUOX164Jk3kNfQxzv4QzlQHmfAeW9DhSoMYd6eVSqgGi23pA\/02rhxsErK5DeLydk20ugUUyceEyel8zxoFuIq83He6sO2w0JIbBWwWVHDkfYJTdH5CNE3RYqZVrMk97N0fbQ\/2kfKgxdrriZmwHDG11a0WijjLMHoYVbqXcG3WpyrWpKSo13TBz\/xTNUTIst1dGTodUL\/Kwc9A\/1dGmh4\/h+y2oPNCwv9BlhQZ\/xkCH4sP8tX7sKYbWYEXC91ssLzCcH\/pHPpjjkr3zIxS8Axa9Z91W5crkYyzREiDcLaVd5qFbBMTClZw5vU4cl\/lIXcL8DvfrOjh4yUvGd06ufqPlA+9+BwPEECLu4koqsYUNodsiO3mVkcMhk5rB3rD9kIneY\/CnuxXnO+EH3nSp6Nwszszo\/RJe3N5JZxxlr2m7lY\/oEY\/rEjk6zqX5i6qR+YeSU9j+xQdUQEsk\/cZ2yPssFtLhgR1+yWS6yFq8o+cL6C1YpCIumBOdyRXtX9GiWmWJkLd3BVWb1qFey7kihrMb6Gcb6mR19y2b\/mY\/VC81vtP9ZLcMjIygEd2WbTofUA5P8lGqqQzf3aahOMa\/GRJuTCLLSWVRnS8DbMMxZwlBBKyGsHw60e3nWa3iRWXErj4LgQKhkQCAfQSexwiXlnMf2PQV3XJ1VuC5hC79XCKscABZT+bgoZK3j1wBAigtrBDPiM2M\/mETdheCwZupC+x3Dc5IHrEwU0N6vjIh8tVoeWS1uzQATlijQC1kvZCr1eg9BU6iDAm7myf7qKaa5v8Ov4BUORMBlWLQp\/b2uZQbsOih16zgKCSqKa0vANUkAS+jX5de8DGee97hEagShlg1VsBEm94Dgc+qJuYhWOvyd+I0L9RzPK1TKy3X0Bupt+UM5UJF5sXIuqohFi3cGQLJWoa\/IBoALH0vjlPNv8jEK+OEuJ\/l1tSRUqipqTNVXvsR8x8tVhYNbOoa0cAwpHMBwSXceAukyz8vCgauzd0D5JovG44AamY5uR7INnmtjp4oRClSslVgo7jZZVvHwbV68HuWpxH2A+DpysiuPMscPOuJuL7bZZCn5fIUCEpnqnl+bmZ1\/SE8V3LIoccbco+SS0an5mCEQOMIysTpoj\/kpEGe0Jx7EthW\/RcZtPd216pNTtOqE+jr0Ja38rXBZ1x3\/dDuJFqFIZZQps\/d+Y3hVtjzL9O7C8rwL60uUtvABEyWWYbvBsLn1Uu5c8YYvoGXYsS\/3MjzLbwgXDKQqXQ\/kq0oiiA18BBf7NA4ciFbiEbgW8qdxlDCHSxmCpF3S2ttQ+IJzBo4minBOsntVMqh86l1m2cY\/FZw7P\/3omLqfsqXf+9Tb+4319i5pMZ85jPlfNXclTGgSGcdchSNNwqDGgastqhhUl4Z099emD6nIasskzpR3CUqKmjK0PBgA2L8YXv2LVd2tpV+jZW0Ff+kbtz4C7CSOqZM4oUuNaCSC0mJnDFFcMk64IioYtpU6Z4aOWrLo6Sv4lkfuPtkWP6bVTb1zkocfaIkf8uqWbvldRFpbMkQN9tG\/2NOHn4shn3q\/sZrtm23GT6V7VTMEQbLbPSZhWYz8k+282UPS2L0Sf1F3GEvog\/v1lt41p9HQD2ju3gv26xqxOmelEhL2wizzuQg8OGoftHpb7uq0mLBuBMpotJ31vCv8Yyv5ReB6m7DxQbMCPfGMsRVYogkMkV6aqy1c6gemjJJotA9F6ECmSK7JRpU3gjebP5+VAP1PVsiH\/yez2q9BBw7rpW8E2E1vE98b0+IGyd\/LyKPMmW7bGJJT1SafaJWbhyC2PfXD5kRX+etwZkrSSI6ZNfYuf+bHSDD4VZQ4zSgxRG5l95ptvoKD0kbcr\/SpN1FyWPGgKC3MJ+0Eia3w6b98Y4M46P0MPZSi5LSTBOaiWo6o+wwwhAoMiQBDqCjmTzvP809yOiNWryirzvzqCZOl4lfVlWh7I3C6LjC8BVpIanhh6\/cfG0HG13MSpd22IPZmNPE5JdS\/LOKm\/hGPGNE\/c45FiHBgNi5IXtme+Z1lu3W9Fg+iBLT2O8vKVfYrmaU4qei9QgSoG0Nl20BqQuY7PBNpqW3Fj5UBogldpb74zjlhJIFMQ\/xL96ddEvUJw907ap5IoeKv+qs3dksTZ6DYOGNHf2VahTNQbPzF+mdst0whi+ySKk62xIoyhryIUnYXxfUX+NXxmKXra7S2BMrhimW4SMa6h4hNRrXI7XlI9MuamXZ3UZfX6T6povnHIna8qR8OncQy4FwZx8Y\/81\/bT+KNmIdl9Pkp\/CcRzxDX63vZk7Y6u29IESK47ryv1EYCr4f6ZWq3px8vP9yhqi\/8jmOsTIiS6NfdihXmRJ4T8pzSi6YT7V4vfCsV3KDR5e1+pDros1WB1LD5ZUH37Bio6TyUvsTsWZGYFtV87YSIflulKrvlurI6Z1V+B51gdtg\/7dc9Hq9\/RF61esov9ZhmP48ODlvb\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svg{display:none}#nxe-nr-gcri-editions-sr-06-data.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-nr-gcri-editions-sr-06-data.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nr-gcri-editions-sr-06-data.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\/\"><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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">B<\/span><span>Data appendix<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-cb-s1\">B.1 The indicator set<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s2\">B.2 Global source register<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s3\">B.3 Regional reading, ten regional clusters<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s4\">B.4 Regional card: California residual market<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s5\">B.5 How countries appear in the global edition<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s6\">B.6 Licences<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s7\">B.7 Formats and provenance<\/a><\/li><\/ol><\/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-cb-top\"><header class=\"nrp-chap-head\" id=\"nx-nrp-sr-06-cb-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\">Annex B<\/li><\/ul><span class=\"nrp-rule\" aria-hidden=\"true\"><\/span><h1 class=\"pp-hero-title\">Data appendix<\/h1><p class=\"nrp-lede\">The indicator set with its sources, the source registers, the licences of every kind of material and the formats of the edition.<\/p><p class=\"nrp-chap-meta\"><span>10 min read<\/span><span>0 figures<\/span><span>8 tables<\/span><span>17 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\/\"><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\/\" aria-current=\"page\"><span class=\"nrp-toc-n\">B<\/span><span>Data appendix<\/span><\/a><ol class=\"nrp-toc-sub\"><li><a href=\"#nx-nrp-sr-06-cb-s1\">B.1 The indicator set<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s2\">B.2 Global source register<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s3\">B.3 Regional reading, ten regional clusters<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s4\">B.4 Regional card: California residual market<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s5\">B.5 How countries appear in the global edition<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s6\">B.6 Licences<\/a><\/li><li><a href=\"#nx-nrp-sr-06-cb-s7\">B.7 Formats and provenance<\/a><\/li><\/ol><\/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-cb-s1\" aria-labelledby=\"nx-nrp-sr-06-cb-s1-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s1-h\"><span class=\"nrp-num\">B.1<\/span><span>The indicator set<\/span><\/h2><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab1\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.1<\/span><span class=\"nrp-tbl-t\">Global baseline indicator set<\/span><\/caption><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Value<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Year<\/th><th scope=\"col\">State<\/th><th scope=\"col\">Source<\/th><\/tr><\/thead><tbody><tr><td>Global insured natural catastrophe loss, Swiss Re<\/td><td><span class=\"nrp-mono\">107<\/span><\/td><td>USD billion<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n1\" id=\"nx-nrp-sr-06-cb-r1\" aria-label=\"Note 1\">1<\/a><\/sup><\/td><\/tr><tr><td>Global insured natural catastrophe loss, Munich Re<\/td><td><span class=\"nrp-mono\">108<\/span><\/td><td>USD billion<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n2\" id=\"nx-nrp-sr-06-cb-r2\" aria-label=\"Note 2\">2<\/a><\/sup><\/td><\/tr><tr><td>Global insured natural catastrophe loss, Aon<\/td><td><span class=\"nrp-mono\">127<\/span><\/td><td>USD billion<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n3\" id=\"nx-nrp-sr-06-cb-r3\" aria-label=\"Note 3\">3<\/a><\/sup><\/td><\/tr><tr><td>Global insured natural catastrophe loss, Gallagher Re<\/td><td><span class=\"nrp-mono\">129<\/span><\/td><td>USD billion<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n4\" id=\"nx-nrp-sr-06-cb-r4\" aria-label=\"Note 4\">4<\/a><\/sup><\/td><\/tr><tr><td>Uninsured share of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 economic-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The monetary value of destroyed assets and lost flows of output and income resulting from an event.\" data-ts=\"NRS-C1\" data-tr=\"draft\">economic loss<\/a>, Aon<\/td><td><span class=\"nrp-mono\">51<\/span><\/td><td>%<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n3\" aria-label=\"Note 3\">3<\/a><\/sup><\/td><\/tr><tr><td>Uninsured share of economic loss, Gallagher Re<\/td><td><span class=\"nrp-mono\">56<\/span><\/td><td>%<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/td><\/tr><tr><td>Share of insured losses from secondary perils<\/td><td><span class=\"nrp-mono\">92<\/span><\/td><td>%<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/td><\/tr><tr><td>Global <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\" data-tg=\"https:\/\/globalriskalliance.com\/glossary\/protection-gap\/\" data-tgl=\"Global Risks Alliance glossary\">protection gap<\/a>, all perils<\/td><td><span class=\"nrp-mono\">1.83<\/span><\/td><td>USD trillion<\/td><td>2023<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n5\" id=\"nx-nrp-sr-06-cb-r5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><\/tr><tr><td>Natural catastrophe resilience, global<\/td><td><span class=\"nrp-mono\">25.7<\/span><\/td><td>%<\/td><td>2023<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><\/tr><tr><td>Highest-risk ZIP Code nonrenewal rate relative to lowest<\/td><td><span class=\"nrp-mono\">\u2248 80% higher<\/span><\/td><td>relative<\/td><td>2018 to 2022<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n12\" id=\"nx-nrp-sr-06-cb-r12\" aria-label=\"Note 12\">12<\/a><\/sup><\/td><\/tr><tr><td>California FAIR Plan exposure<\/td><td><span class=\"nrp-mono\">773<\/span><\/td><td>USD billion<\/td><td>Sep 2026<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n8\" id=\"nx-nrp-sr-06-cb-r8\" aria-label=\"Note 8\">8<\/a><\/sup><\/td><\/tr><tr><td>California FAIR Plan policies in force<\/td><td><span class=\"nrp-mono\">698,307<\/span><\/td><td>policies<\/td><td>Sep 2026<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n8\" aria-label=\"Note 8\">8<\/a><\/sup><\/td><\/tr><tr><td>Florida Citizens policies<\/td><td><span class=\"nrp-mono\">439,079<\/span><\/td><td>policies<\/td><td>Nov 2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n9\" id=\"nx-nrp-sr-06-cb-r9\" aria-label=\"Note 9\">9<\/a><\/sup><\/td><\/tr><tr><td>US flood programme policies in force<\/td><td><span class=\"nrp-mono\">\u2248 4.5<\/span><\/td><td>million<\/td><td>2026<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n10\" id=\"nx-nrp-sr-06-cb-r10\" aria-label=\"Note 10\">10<\/a><\/sup><\/td><\/tr><tr><td>Property catastrophe reinsurance rate change, risk-adjusted<\/td><td><span class=\"nrp-mono\">\u221214.7<\/span><\/td><td>%<\/td><td>Jan 2026<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/td><\/tr><tr><td>Global cyber insurance premiums<\/td><td><span class=\"nrp-mono\">\u2248 15<\/span><\/td><td>USD billion<\/td><td>2025<\/td><td><span class=\"nrp-st\"><span class=\"nf-ui-dot\" data-tone=\"info\" aria-hidden=\"true\"><\/span>Reported<\/span><\/td><td><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n19\" id=\"nx-nrp-sr-06-cb-r19\" aria-label=\"Note 19\">19<\/a><\/sup><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nrp-actions nrp-noprint\"><a class=\"nf-ui-btn\" data-variant=\"secondary\" href=\"data:text\/csv;charset=utf-8,Indicator%2CValue%2CUnit%2CYear%2CState%2CSource%0A%22Global%20insured%20natural%20catastrophe%20loss%2C%20Swiss%20Re%22%2C107%2CUSD%20billion%2C2025%2CREPORTED%2C%5B1%5D%0A%22Global%20insured%20natural%20catastrophe%20loss%2C%20Munich%20Re%22%2C108%2CUSD%20billion%2C2025%2CREPORTED%2C%5B2%5D%0A%22Global%20insured%20natural%20catastrophe%20loss%2C%20Aon%22%2C127%2CUSD%20billion%2C2025%2CREPORTED%2C%5B3%5D%0A%22Global%20insured%20natural%20catastrophe%20loss%2C%20Gallagher%20Re%22%2C129%2CUSD%20billion%2C2025%2CREPORTED%2C%5B4%5D%0A%22Uninsured%20share%20of%20economic%20loss%2C%20Aon%22%2C51%2C%25%2C2025%2CREPORTED%2C%5B3%5D%0A%22Uninsured%20share%20of%20economic%20loss%2C%20Gallagher%20Re%22%2C56%2C%25%2C2025%2CREPORTED%2C%5B4%5D%0AShare%20of%20insured%20losses%20from%20secondary%20perils%2C92%2C%25%2C2025%2CREPORTED%2C%5B1%5D%0A%22Global%20protection%20gap%2C%20all%20perils%22%2C1.83%2CUSD%20trillion%2C2023%2CREPORTED%2C%5B5%5D%0A%22Natural%20catastrophe%20resilience%2C%20global%22%2C25.7%2C%25%2C2023%2CREPORTED%2C%5B5%5D%0AHighest-risk%20ZIP%20Code%20nonrenewal%20rate%20relative%20to%20lowest%2C%E2%89%88%2080%25%20higher%2Crelative%2C2018%20to%202022%2CREPORTED%2C%5B12%5D%0ACalifornia%20FAIR%20Plan%20exposure%2C773%2CUSD%20billion%2CSep%202026%2CREPORTED%2C%5B8%5D%0ACalifornia%20FAIR%20Plan%20policies%20in%20force%2C%22698%2C307%22%2Cpolicies%2CSep%202026%2CREPORTED%2C%5B8%5D%0AFlorida%20Citizens%20policies%2C%22439%2C079%22%2Cpolicies%2CNov%202025%2CREPORTED%2C%5B9%5D%0AUS%20flood%20programme%20policies%20in%20force%2C%E2%89%88%204.5%2Cmillion%2C2026%2CREPORTED%2C%5B10%5D%0A%22Property%20catastrophe%20reinsurance%20rate%20change%2C%20risk-adjusted%22%2C%E2%88%9214.7%2C%25%2CJan%202026%2CREPORTED%2C%5B2%5D%0AGlobal%20cyber%20insurance%20premiums%2C%E2%89%88%2015%2CUSD%20billion%2C2025%2CREPORTED%2C%5B19%5D%0A\" download=\"NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-indicators.csv\"><svg class=\"nrp-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 15V3\"\/><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><path d=\"m7 10 5 5 5-5\"\/><\/svg>Indicators, CSV<\/a><a class=\"nf-ui-btn\" data-variant=\"secondary\" href=\"data:application\/json;charset=utf-8,%7B%0A%20%22edition%22%3A%20%22NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE%22%2C%0A%20%22title%22%3A%20%22Strategic%20Systems%20Report%202026%3A%20Insurance%2C%20Protection%20Gaps%20and%20Insurability%22%2C%0A%20%22status%22%3A%20%22Draft%20under%20stewardship%20review%3B%20not%20yet%20released%22%2C%0A%20%22licence%22%3A%20%22CC-BY-4.0%20for%20the%20edition%20table%3B%20each%20value%20keeps%20its%20source's%20licence%22%2C%0A%20%22columns%22%3A%20%5B%0A%20%20%22Indicator%22%2C%0A%20%20%22Value%22%2C%0A%20%20%22Unit%22%2C%0A%20%20%22Year%22%2C%0A%20%20%22State%22%2C%0A%20%20%22Source%22%0A%20%5D%2C%0A%20%22rows%22%3A%20%5B%0A%20%20%5B%0A%20%20%20%22Global%20insured%20natural%20catastrophe%20loss%2C%20Swiss%20Re%22%2C%0A%20%20%20%22107%22%2C%0A%20%20%20%22USD%20billion%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B1%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Global%20insured%20natural%20catastrophe%20loss%2C%20Munich%20Re%22%2C%0A%20%20%20%22108%22%2C%0A%20%20%20%22USD%20billion%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B2%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Global%20insured%20natural%20catastrophe%20loss%2C%20Aon%22%2C%0A%20%20%20%22127%22%2C%0A%20%20%20%22USD%20billion%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B3%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Global%20insured%20natural%20catastrophe%20loss%2C%20Gallagher%20Re%22%2C%0A%20%20%20%22129%22%2C%0A%20%20%20%22USD%20billion%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B4%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Uninsured%20share%20of%20economic%20loss%2C%20Aon%22%2C%0A%20%20%20%2251%22%2C%0A%20%20%20%22%25%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B3%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Uninsured%20share%20of%20economic%20loss%2C%20Gallagher%20Re%22%2C%0A%20%20%20%2256%22%2C%0A%20%20%20%22%25%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B4%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Share%20of%20insured%20losses%20from%20secondary%20perils%22%2C%0A%20%20%20%2292%22%2C%0A%20%20%20%22%25%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B1%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Global%20protection%20gap%2C%20all%20perils%22%2C%0A%20%20%20%221.83%22%2C%0A%20%20%20%22USD%20trillion%22%2C%0A%20%20%20%222023%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B5%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Natural%20catastrophe%20resilience%2C%20global%22%2C%0A%20%20%20%2225.7%22%2C%0A%20%20%20%22%25%22%2C%0A%20%20%20%222023%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B5%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Highest-risk%20ZIP%20Code%20nonrenewal%20rate%20relative%20to%20lowest%22%2C%0A%20%20%20%22%E2%89%88%2080%25%20higher%22%2C%0A%20%20%20%22relative%22%2C%0A%20%20%20%222018%20to%202022%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B12%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22California%20FAIR%20Plan%20exposure%22%2C%0A%20%20%20%22773%22%2C%0A%20%20%20%22USD%20billion%22%2C%0A%20%20%20%22Sep%202026%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B8%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22California%20FAIR%20Plan%20policies%20in%20force%22%2C%0A%20%20%20%22698%2C307%22%2C%0A%20%20%20%22policies%22%2C%0A%20%20%20%22Sep%202026%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B8%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Florida%20Citizens%20policies%22%2C%0A%20%20%20%22439%2C079%22%2C%0A%20%20%20%22policies%22%2C%0A%20%20%20%22Nov%202025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B9%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22US%20flood%20programme%20policies%20in%20force%22%2C%0A%20%20%20%22%E2%89%88%204.5%22%2C%0A%20%20%20%22million%22%2C%0A%20%20%20%222026%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B10%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Property%20catastrophe%20reinsurance%20rate%20change%2C%20risk-adjusted%22%2C%0A%20%20%20%22%E2%88%9214.7%22%2C%0A%20%20%20%22%25%22%2C%0A%20%20%20%22Jan%202026%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B2%5D%22%0A%20%20%5D%2C%0A%20%20%5B%0A%20%20%20%22Global%20cyber%20insurance%20premiums%22%2C%0A%20%20%20%22%E2%89%88%2015%22%2C%0A%20%20%20%22USD%20billion%22%2C%0A%20%20%20%222025%22%2C%0A%20%20%20%22REPORTED%22%2C%0A%20%20%20%22%5B19%5D%22%0A%20%20%5D%0A%20%5D%0A%7D\" download=\"NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-indicators.json\"><svg class=\"nrp-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 15V3\"\/><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><path d=\"m7 10 5 5 5-5\"\/><\/svg>Indicators, JSON<\/a><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">NOTES<\/p><p>Values are rounded as published. The four loss estimates differ in scope and are not averaged. Values read through trade coverage are named as such in the reference list. A machine-readable copy of this table is published with the evidence bundle at release.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-s2\" aria-labelledby=\"nx-nrp-sr-06-cb-s2-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s2-h\"><span class=\"nrp-num\">B.2<\/span><span>Global source register<\/span><\/h2><p class=\"nrp-stand\">The governed source set behind this edition. Each source keeps its authority, coverage, cadence and role; categories describe origin, not truth.<\/p><h3 class=\"nrp-h3\">Domains bound by the register<\/h3><ul class=\"nrp-chips\"><li class=\"nf-ui-chip\">FIN<\/li><li class=\"nf-ui-chip\">CLI<\/li><li class=\"nf-ui-chip\">INF<\/li><li class=\"nf-ui-chip\">DEV<\/li><li class=\"nf-ui-chip\">DAT<\/li><li class=\"nf-ui-chip\">WAT<\/li><li class=\"nf-ui-chip\">FOO<\/li><li class=\"nf-ui-chip\">HLT<\/li><li class=\"nf-ui-chip\">TRD<\/li><li class=\"nf-ui-chip\">AIC<\/li><\/ul><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab3\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.3<\/span><span class=\"nrp-tbl-t\">Global source register<\/span><\/caption><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">Category<\/th><th scope=\"col\">Coverage<\/th><th scope=\"col\">Period<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Role<\/th><\/tr><\/thead><tbody><tr><td>Swiss Re sigma coverage<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/td><td>reinsurer research arm<\/td><td>global<\/td><td>2025<\/td><td>annual<\/td><td>losses and trends<\/td><\/tr><tr><td>Munich Re loss coverage<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/td><td>reinsurer<\/td><td>global<\/td><td>2025<\/td><td>annual<\/td><td>losses and renewals<\/td><\/tr><tr><td>Aon Climate and Catastrophe Insight<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n3\" aria-label=\"Note 3\">3<\/a><\/sup><\/td><td>broker<\/td><td>global<\/td><td>2025<\/td><td>annual<\/td><td>losses and gap<\/td><\/tr><tr><td>Gallagher Re report<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n4\" aria-label=\"Note 4\">4<\/a><\/sup><\/td><td>reinsurance broker<\/td><td>global<\/td><td>2025<\/td><td>semi-annual<\/td><td>losses and gap<\/td><\/tr><tr><td>Swiss Re resilience index<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><td>reinsurer research arm<\/td><td>global<\/td><td>2023<\/td><td>annual<\/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>US Treasury FIO report<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n12\" aria-label=\"Note 12\">12<\/a><\/sup><\/td><td>national agency<\/td><td>US<\/td><td>2018 to 2022<\/td><td>one-off<\/td><td>availability and price<\/td><\/tr><tr><td>California FAIR Plan statistics<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n8\" aria-label=\"Note 8\">8<\/a><\/sup><\/td><td>residual market<\/td><td>California<\/td><td>2026<\/td><td>quarterly<\/td><td>exposure<\/td><\/tr><tr><td>CRS Insight on NFIP<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n10\" aria-label=\"Note 10\">10<\/a><\/sup><\/td><td>legislative research service<\/td><td>US<\/td><td>2026<\/td><td>per change<\/td><td>flood programme<\/td><\/tr><tr><td>EIOPA dashboard<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n13\" id=\"nx-nrp-sr-06-cb-r13\" aria-label=\"Note 13\">13<\/a><\/sup><\/td><td>EU agency<\/td><td>Europe<\/td><td>1980 to 2024<\/td><td>annual<\/td><td>protection gap<\/td><\/tr><tr><td>CCRIF snapshot<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n48\" id=\"nx-nrp-sr-06-cb-r48\" aria-label=\"Note 48\">48<\/a><\/sup><\/td><td>parametric facility<\/td><td>Caribbean, Central America<\/td><td>2007 to 2025<\/td><td>per event<\/td><td>payouts<\/td><\/tr><\/tbody><\/table><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">FIXTURE PROHIBITION<\/p><p>No demonstration or reference-cartographic fixture is used as evidence in this edition. The publication gate checks every binding against this register.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-s3\" aria-labelledby=\"nx-nrp-sr-06-cb-s3-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s3-h\"><span class=\"nrp-num\">B.3<\/span><span>Regional reading, ten regional clusters<\/span><\/h2><p class=\"nrp-stand\">Map plates follow with the regional Baseline Editions, when boundary sources and public-safe resolutions are bound. This page gives the regional reading in table form and ranks no region.<\/p><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab4\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.4<\/span><span class=\"nrp-tbl-t\">Regional reading, ten regional clusters<\/span><\/caption><thead><tr><th scope=\"col\">Region<\/th><th scope=\"col\">Principal hazards<\/th><th scope=\"col\">Systems most exposed<\/th><th scope=\"col\">Baseline evidence<\/th><\/tr><\/thead><tbody><tr><td>North America<\/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 losses; residual markets; flood scheme<\/td><td>property, flood<\/td><td>FAIR Plan<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n8\" aria-label=\"Note 8\">8<\/a><\/sup>; CRS<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n10\" aria-label=\"Note 10\">10<\/a><\/sup>; Aon<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n3\" aria-label=\"Note 3\">3<\/a><\/sup><\/td><\/tr><tr><td>South America<\/td><td>low take-up; flood<\/td><td>property, crop<\/td><td>regional statistics (not bound)<\/td><\/tr><tr><td>Europe<\/td><td>public-private schemes; EU proposals; flood<\/td><td>property, flood<\/td><td>EIOPA<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n13\" aria-label=\"Note 13\">13<\/a><\/sup><sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n14\" id=\"nx-nrp-sr-06-cb-r14\" aria-label=\"Note 14\">14<\/a><\/sup>; Flood Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n16\" id=\"nx-nrp-sr-06-cb-r16\" aria-label=\"Note 16\">16<\/a><\/sup><\/td><\/tr><tr><td>Eurasia<\/td><td>conflict loss; limited market data<\/td><td>property<\/td><td>regional statistics (not bound)<\/td><\/tr><tr><td>Middle East and North Africa<\/td><td>limited market data<\/td><td>property<\/td><td>regional statistics (not bound)<\/td><\/tr><tr><td>Africa<\/td><td>less than a fifth of losses insured in 2025<\/td><td>property, crop, parametric<\/td><td>Munich Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n2\" aria-label=\"Note 2\">2<\/a><\/sup>; ARC<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n36\" id=\"nx-nrp-sr-06-cb-r36\" aria-label=\"Note 36\">36<\/a><\/sup><\/td><\/tr><tr><td>South Asia<\/td><td>flood and <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> loss; low take-up<\/td><td>property, crop<\/td><td>Aon<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n3\" aria-label=\"Note 3\">3<\/a><\/sup>; GAR 2025<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n26\" id=\"nx-nrp-sr-06-cb-r26\" aria-label=\"Note 26\">26<\/a><\/sup><\/td><\/tr><tr><td>East Asia<\/td><td><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/geophysical-hazard-standards\/\" data-tc=\"NHS-1 geo.seismic.earthquake\" data-tk=\"Solid Earth \u00b7 Fault shaking and rupture\" data-td=\"Sudden slip on a fault releasing seismic waves that shake the ground and damage structures and lifelines.\" data-ts=\"NRS-H17\" data-tr=\"draft\" data-tx=\"https:\/\/risksindex.com\/hazards\/geo\/\" data-txl=\"Solid Earth\" data-ta=\"https:\/\/risksacademy.com\/courses\/disaster-risk-reduction\/\" data-tal=\"Disaster Risk Reduction\">earthquake<\/a> and typhoon exposure<\/td><td>property<\/td><td>Swiss Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><\/tr><tr><td>ASEAN<\/td><td>flood loss; low take-up<\/td><td>property<\/td><td>Aon<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n3\" aria-label=\"Note 3\">3<\/a><\/sup>; Swiss Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n5\" aria-label=\"Note 5\">5<\/a><\/sup><\/td><\/tr><tr><td>Oceania-Pacific<\/td><td>cyclone pool in Australia; island exposure<\/td><td>property, parametric<\/td><td>ARPC<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n18\" id=\"nx-nrp-sr-06-cb-r18\" aria-label=\"Note 18\">18<\/a><\/sup>; Munich Re<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n2\" aria-label=\"Note 2\">2<\/a><\/sup><\/td><\/tr><\/tbody><\/table><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">MAP PLATES WITH THE REGIONAL EDITIONS<\/p><p>Each plate will carry its boundary source and version, projection, resolution, classification, uncertainty encoding and public-safe transform, with text and table alternatives.<\/p><\/aside><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">boundary<\/p><p>Regional readings summarise the cited evidence. They are not risk ratings of any region or country.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-s4\" aria-labelledby=\"nx-nrp-sr-06-cb-s4-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s4-h\"><span class=\"nrp-num\">B.4<\/span><span>Regional card: California residual market<\/span><\/h2><ul class=\"nrp-chips\"><li class=\"nf-ui-chip\">region<\/li><li class=\"nf-ui-chip\">residual market<\/li><li class=\"nf-ui-chip\">wildfire<\/li><li class=\"nf-ui-chip\">availability<\/li><\/ul><dl class=\"nrp-dl\"><dt>Systems in view<\/dt><dd>homeowners cover, residual market, reinsurance<\/dd><dt>Defining events<\/dt><dd>Los Angeles wildfires of January 2025, USD 40 billion insured<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n1\" aria-label=\"Note 1\">1<\/a><\/sup><\/dd><dt>Couplings<\/dt><dd>CLI \u2192 FIN; FIN \u2192 FIN<\/dd><dt>Capability evidence<\/dt><dd>residual market operating and growing<sup class=\"nrp-fn\"><a href=\"#nx-nrp-sr-06-cb-n8\" aria-label=\"Note 8\">8<\/a><\/sup><\/dd><dt>Gaps<\/dt><dd>recovery path of the scheme; assessment data<\/dd><dt>Agenda items<\/dt><dd>P-03 \u00b7 P-04<\/dd><\/dl><div class=\"nrp-cards\"><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">The FAIR Plan held USD 773 billion of exposure and 698,307 policies in September 2026 [8].<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">EXPOSURE<\/h3><p>Growth of the scheme<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">Swiss Re calls the Los Angeles wildfires the largest insured wildfire loss on sigma records [1].<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">LOSS<\/h3><p>A record wildfire loss<\/p><\/article><article class=\"nf-ui-card nrp-card\"><p class=\"nf-ui-eyebrow\">US-wide, nonrenewal rates were about 80% higher in the highest-risk ZIP Codes [12].<\/p><h3 class=\"nf-ui-title\" data-level=\"card\">AVAILABILITY<\/h3><p>Nonrenewal in high-risk areas<\/p><\/article><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">evidence<\/p><p>Regional cards are generated with the regional Baseline Editions. The California card is shown first because its residual market series is published.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-s5\" aria-labelledby=\"nx-nrp-sr-06-cb-s5-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s5-h\"><span class=\"nrp-num\">B.5<\/span><span>How countries appear in the global edition<\/span><\/h2><p class=\"nrp-stand\">Countries enter the insurance edition through the insurance chapters of their own national editions, on one card grammar. They are read against peer distributions and thresholds, never placed in a league table.<\/p><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab5\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.5<\/span><span class=\"nrp-tbl-t\">How countries appear in the global edition<\/span><\/caption><thead><tr><th scope=\"col\">Card field<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Source<\/th><\/tr><\/thead><tbody><tr><td>WEFH+B state<\/td><td>each core system against peer distribution bands<\/td><td>national edition<\/td><\/tr><tr><td>Couplings<\/td><td>the national dependency matrix<\/td><td>national edition<\/td><\/tr><tr><td>Risk objects<\/td><td>the national risk portfolio<\/td><td>national edition<\/td><\/tr><tr><td>Capability rungs<\/td><td>the national capability ladder<\/td><td>national edition<\/td><\/tr><tr><td>Evidence age<\/td><td>oldest and newest source dates<\/td><td>national source register<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nrp-h3\">Editions in the 2026 Baseline programme<\/h3><div class=\"pp-cells nrp-cells-3\"><div class=\"nrp-cell\"><span class=\"pp-metric\">26<\/span><span class=\"nrp-cell-u\">national<\/span><p>countries and unions<\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">10<\/span><span class=\"nrp-cell-u\">regional<\/span><p>clusters<\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">16<\/span><span class=\"nrp-cell-u\">global<\/span><p>flagship and sector<\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">14<\/span><span class=\"nrp-cell-u\">strategic<\/span><p><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> reports<\/p><\/div><div class=\"nrp-cell\"><span class=\"pp-metric\">20<\/span><span class=\"nrp-cell-u\">frontier<\/span><p>technology reports<\/p><\/div><\/div><h3 class=\"nrp-h3\">How to read a country card<\/h3><ul class=\"nrp-list\"><li>Each system is shown against the distribution of its peers, with thresholds where they exist<\/li><li>Couplings and risk objects come from the country\u2019s own national edition<\/li><li>Capability rungs record evidence, not a judgement of institutions<\/li><li>Evidence age is printed, so older national data are visible as such<\/li><\/ul><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab6\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.6<\/span><span class=\"nrp-tbl-t\">National Baseline Editions in the 2026 programme<\/span><\/caption><thead><tr><th scope=\"col\">Wave<\/th><th scope=\"col\">Countries and unions<\/th><th scope=\"col\">State<\/th><\/tr><\/thead><tbody><tr><td>W0<\/td><td>Canada<\/td><td>ISSUED<\/td><\/tr><tr><td>W1<\/td><td>United States, United Kingdom, France, Germany, Italy, Japan, European Union, Switzerland<\/td><td>PLANNED<\/td><\/tr><tr><td>W2<\/td><td>Mexico, Brazil, Argentina, T\u00fcrkiye, Russian Federation, Saudi Arabia, United Arab Emirates, South Africa, Senegal, Kenya, African Union, India, China, Republic of Korea, Indonesia, Singapore, Australia<\/td><td>PLANNED<\/td><\/tr><\/tbody><\/table><\/div><aside class=\"nrp-call\"><p class=\"nf-ui-eyebrow\">boundary<\/p><p>External rankings, where cited, keep their own method and source. Nexus never converts them into a rating, and each country\u2019s ownership of its national edition is unaffected by its appearance here.<\/p><\/aside><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-s6\" aria-labelledby=\"nx-nrp-sr-06-cb-s6-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s6-h\"><span class=\"nrp-num\">B.6<\/span><span>Licences<\/span><\/h2><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab7\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.7<\/span><span class=\"nrp-tbl-t\">Licences of each kind of material<\/span><\/caption><thead><tr><th scope=\"col\">Material<\/th><th scope=\"col\">Licence<\/th><\/tr><\/thead><tbody><tr><td>Text<\/td><td>CC BY 4.0<\/td><\/tr><tr><td>Data<\/td><td>on the licence of each source; Nexus tables CC BY 4.0<\/td><\/tr><tr><td>Figures<\/td><td>Nexus figures CC BY 4.0; third-party as credited<\/td><\/tr><tr><td>Maps<\/td><td>boundary source and licence printed on each plate<\/td><\/tr><tr><td>Metadata<\/td><td>CC0 1.0, as Zenodo publishes it<\/td><\/tr><tr><td>Third-party data, figures and text<\/td><td>The source&#8217;s own licence, credited where it is used; never relicensed<\/td><\/tr><\/tbody><tfoot><tr><td colspan=\"2\">Nexus-authored text, tables and figures: CC BY 4.0 (SPDX CC-BY-4.0). Map plates print their boundary source and licence.<\/td><\/tr><\/tfoot><\/table><\/div><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-s7\" aria-labelledby=\"nx-nrp-sr-06-cb-s7-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-s7-h\"><span class=\"nrp-num\">B.7<\/span><span>Formats and provenance<\/span><\/h2><div class=\"nrp-tblw\" id=\"nx-nrp-sr-06-cb-tab8\"><table class=\"nrp-tbl\"><caption><span class=\"nf-ui-eyebrow\">Table B.8<\/span><span class=\"nrp-tbl-t\">This edition in every format<\/span><\/caption><thead><tr><th scope=\"col\">Format<\/th><th scope=\"col\">Kind<\/th><th scope=\"col\">State<\/th><th scope=\"col\">What it is<\/th><th scope=\"col\">Identifier<\/th><\/tr><\/thead><tbody><tr><td>Web edition<\/td><td><span class=\"nrp-mono\">HTML<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"here\">On this site<\/span><\/td><td>Draft in stewardship review; every value resolves to its source.<\/td><td><span class=\"nrp-mono\">NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-v1.0.0<\/span><\/td><\/tr><tr><td>Print edition<\/td><td><span class=\"nrp-mono\">PDF<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"release\">At release<\/span><\/td><td>A4 portrait \u00b7 screen, print and archival PDF, signed with the web edition at release.<\/td><td><span class=\"nrp-mono\">NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-v1.0.0<\/span><\/td><\/tr><tr><td>Indicator data<\/td><td><span class=\"nrp-mono\">CSV \u00b7 JSON<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"here\">On this site<\/span><\/td><td>16 indicators with unit, year, status and source; the machine-readable copy ships with the evidence bundle at release.<\/td><td><span class=\"nrp-mono\">NR-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE data release v1<\/span><\/td><\/tr><tr><td>Figures<\/td><td><span class=\"nrp-mono\">SVG \u00b7 PNG<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"here\">On this site<\/span><\/td><td>4 on the web edition: headline figure, figure 1.3, coupling instrument, capability ladder.<\/td><td><span class=\"nrp-mono\">FIG-STRATEGIC-INSURANCE-GLOBAL-2026-BASELINE-*<\/span><\/td><\/tr><tr><td>Slides<\/td><td><span class=\"nrp-mono\">PDF<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"none\">Not recorded<\/span><\/td><td>No slide deck is recorded for this edition.<\/td><td><span class=\"nrp-mono\"><\/span><\/td><\/tr><tr><td>Evidence brief<\/td><td><span class=\"nrp-mono\">HTML \u00b7 PDF<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"none\">Not recorded<\/span><\/td><td>No evidence brief is recorded for this edition.<\/td><td><span class=\"nrp-mono\"><\/span><\/td><\/tr><tr><td>Dataset with DOI<\/td><td><span class=\"nrp-mono\">DataCite<\/span><\/td><td><span class=\"nx-nr-out-s\" data-state=\"release\">At release<\/span><\/td><td>Concept and version DOI are minted at deposit; none is recorded yet.<\/td><td><span class=\"nrp-mono\"><\/span><\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nrp-h3\">Provenance<\/h3><dl class=\"nrp-dl\"><dt>Edition pack<\/dt><dd>The edition&#8217;s content pack (JSON), from which the print and web editions are built<\/dd><dt>Evidence cut<\/dt><dd>DC-STRATEGIC-INSURANCE-GLOBAL-2026-B0, closed 30 September 2026<\/dd><dt>Reproducibility<\/dt><dd>sourced values cited; analytical values reproducible from stated parameters<\/dd><dt>Self-check<\/dt><dd>14 of 23 at evidence close; a fail on any item blocks release<\/dd><dt>Review<\/dt><dd>five passes scheduled before release (in Annex C)<\/dd><dt>Publisher of record<\/dt><dd>The Global Centre for Risk and Innovation (GCRI) for the Nexus Consortium<\/dd><dt>Corrections<\/dt><dd>Registry correction pathway; upheld corrections are published as notices with a new version<\/dd><\/dl><\/section><section class=\"nrp-block\" id=\"nx-nrp-sr-06-cb-notes\" aria-labelledby=\"nx-nrp-sr-06-cb-notes-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-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-cb-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-cb-r1\" aria-label=\"Back to the first call of note 1\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r2\" aria-label=\"Back to the first call of note 2\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r3\" aria-label=\"Back to the first call of note 3\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r4\" aria-label=\"Back to the first call of note 4\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r5\" aria-label=\"Back to the first call of note 5\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r12\" aria-label=\"Back to the first call of note 12\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r8\" aria-label=\"Back to the first call of note 8\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r9\" aria-label=\"Back to the first call of note 9\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r10\" aria-label=\"Back to the first call of note 10\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r19\" aria-label=\"Back to the first call of note 19\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 economic-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The monetary value of destroyed assets and lost flows of output and income resulting from an event.\" data-ts=\"NRS-C1\" data-tr=\"draft\">economic loss<\/a> 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-cb-r13\" aria-label=\"Back to the first call of note 13\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r48\" aria-label=\"Back to the first call of note 48\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r14\" aria-label=\"Back to the first call of note 14\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r16\" aria-label=\"Back to the first call of note 16\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-n36\"><span class=\"nrp-notes-n\">36<\/span><span>UNVERIFIED, not opened: African <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-capacity\" data-tk=\"Nexus risk vocabulary\" data-td=\"The maximum risk an actor can bear without breaching its constraints, such as solvency or survival.\" data-ts=\"NRS-C1\" data-tr=\"draft\" data-tg=\"https:\/\/risksacademy.com\/glossary\/risk-capacity\/\" data-tgl=\"Risk Academy glossary\">Risk Capacity<\/a> (ed.), African Union specialised agency for parametric drought, flood and <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> cover, cited from memory; no figure used. African Risk Capacity, Johannesburg. Observation year 2012. Accessed 2026-11-03.<a class=\"nrp-notes-back\" href=\"#nx-nrp-sr-06-cb-r36\" aria-label=\"Back to the first call of note 36\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-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-cb-r26\" aria-label=\"Back to the first call of note 26\">back<\/a><\/span><\/li><li id=\"nx-nrp-sr-06-cb-n18\"><span class=\"nrp-notes-n\">18<\/span><span>Australian Reinsurance Pool Corporation (ed.), Cyclone 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-cb-r18\" aria-label=\"Back to the first call of note 18\">back<\/a><\/span><\/li><\/ol><\/section><section class=\"nrp-block nrp-noprint\" id=\"nx-nrp-sr-06-cb-cite\" aria-labelledby=\"nx-nrp-sr-06-cb-cite-h\"><h2 class=\"nrp-h2\" id=\"nx-nrp-sr-06-cb-cite-h\"><span>Cite this annex<\/span><\/h2><pre class=\"nrp-pre\">Valadbaygi, S. (Ed.). (2026). Annex B: Data appendix. 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\/methodology\/\" rel=\"prev\"><span class=\"nf-ui-eyebrow\">Previous \u00b7 Annex A<\/span><span class=\"nrp-pager-t\">Methodology<\/span><\/a><a href=\"https:\/\/therisk.global\/nexus-reports\/editions\/sr-06\/references\/\" rel=\"next\"><span class=\"nf-ui-eyebrow\">Next \u00b7 Annex C<\/span><span class=\"nrp-pager-t\">References and record<\/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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