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<\/script><script 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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2pbcem3.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><section class=\"nx-hero\" data-layout=\"dag\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P11 \u00b7 TOPIC \u00b7 climate-adjusted-pricing<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Actuarial and Quantitative Risk<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Actuarial and Quantitative Risk<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Climate-adjusted pricing questions<\/h1><p class=\"nx-tagline\">Insurance premiums have traditionally been based on long averages of past losses. When hazards change with the climate, past averages can understate current risk. Climate-adjusted pricing uses trends, catastrophe models conditioned on current climate and forward-looking scenarios. This page sets out how climate adjustment enters pricing, where it is uncertain, the data and standards involved, and who decides.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-actuarial-reserving\" data-cx=\"actuarial.reserving\" data-variant=\"section\" aria-label=\"Reserving workbench: illustrative console with placeholder names and values\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>Reserving workbench: the screen's structure, terms and states for Climate-adjusted pricing questions.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Reserving workbench. Design wireframe with placeholder names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>A parametric trigger, read on the map<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Climate-adjusted pricing questions:\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"inset\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Climate-adjusted insurance pricing is the practice of reflecting changing hazards in premiums, through trends, catastrophe models conditioned on current climate and scenarios, rather than relying only on long past averages. Rate regulation and affordability shape its use. Pricing actuaries, rate regulators, boards and governments hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">A parametric trigger, read on the map.<\/h2><p class=\"nx-lede\">How a storm crossing a trigger zone would set a payment. Real geography; synthetic storm and design terms.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"parametric-cyclone\" data-gl=\"sf:parametric-cyclone\" data-sf=\"parametric-cyclone\" data-sx-credit=\"Natural Earth (public domain) | relief: Mapzen Terrain Tiles | synthetic storm and design terms\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"compare\" aria-label=\"Interactive map: a synthetic tropical cyclone passing Jamaica, with a trigger zone coloured by modelled wind. The panel steps the storm and shows whether the illustrative trigger is met.\" 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\"><figcaption class=\"nx-fk-cap\"><span>A tropical cyclone passing Jamaica, read against two ways of triggering a payment.<\/span><span data-honesty=\"true\">Synthetic storm and design terms, not a policy or a price.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/topics\/climate-adjusted-pricing\/#map\" data-nxf-title=\"Actuarial and Quantitative Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Climate-adjusted pricing questions: how the risk develops.<\/h2><p class=\"nx-lede\">How non-stationary hazard changes pricing assumptions. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">History lags the present<\/h3><p class=\"nx-p nx-mt-1\">Long experience periods average over a climate that has already changed. Shorter periods are more current but noisier.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Models condition the hazard<\/h3><p class=\"nx-p nx-mt-1\">Catastrophe catalogues can be adjusted to reflect current or near-term climate, shifting expected loss and tail estimates.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m14.5 12.5-8 8a2.119 2.119 0 1 1-3-3l8-8\"\/><path d=\"m16 16 6-6\"\/><path d=\"m8 8 6-6\"\/><path d=\"m9 7 8 8\"\/><path d=\"m21 11-8-8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Regulation constrains rates<\/h3><p class=\"nx-p nx-mt-1\">Rate approval rules may limit use of forward-looking models or require public review, affecting how quickly prices reflect changing risk.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Affordability pushes back<\/h3><p class=\"nx-p nx-mt-1\">Higher risk-reflective prices can make cover unaffordable for some households, raising questions about cross-subsidy and public schemes.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Experience period<\/td><td data-label=\"Definition\">The span of past years whose losses are used to set rates.<\/td><\/tr><tr><td data-label=\"Term\">Rate filing<\/td><td data-label=\"Definition\">A submission to a regulator of proposed insurance rates and the evidence supporting them.<\/td><\/tr><tr><td data-label=\"Term\">Risk-reflective pricing<\/td><td data-label=\"Definition\">Setting premiums in line with each policyholder's expected cost of risk.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Change in expected loss from climate conditioning<\/td><td data-label=\"Unit\">percent<\/td><td data-label=\"Cadence\">per model update<\/td><td data-label=\"Source type\">Catastrophe models<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Experience period used in pricing<\/td><td data-label=\"Unit\">years<\/td><td data-label=\"Cadence\">per filing<\/td><td data-label=\"Source type\">Rate filings<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Trend applied to weather-related losses<\/td><td data-label=\"Unit\">percent per year<\/td><td data-label=\"Cadence\">per filing<\/td><td data-label=\"Source type\">Rate filings<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Rate filings using forward-looking catastrophe models<\/td><td data-label=\"Unit\">count<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Regulator records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Premium change in high-hazard areas<\/td><td data-label=\"Unit\">percent<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Regulator and market data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Observed trend in weather-related claims<\/td><td data-label=\"Unit\">change per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Claims data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/topics\/climate-adjusted-pricing\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Climate-adjusted pricing questions as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p11-topics-climate-adjusted-pricing-res-t nx-dag-a-p11-topics-climate-adjusted-pricing-res-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p11-topics-climate-adjusted-pricing-res-t\">Climate-adjusted pricing questions: claims reserving<\/title><desc id=\"nx-dag-a-p11-topics-climate-adjusted-pricing-res-d\">Claims data are built into development triangles; chain ladder and Bornhuetter-Ferguson give IBNR; a selection is made with a risk margin, tested by actual versus expected, and signed off. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">NAIC SERFF rate filings<\/td><td data-label=\"What it gives\">Pricing assumptions and models in United States filings<\/td><td data-label=\"Licence class\">Public records, terms per state<\/td><\/tr><tr><td data-label=\"Source\">California Department of Insurance catastrophe modeling regulation documents<\/td><td data-label=\"What it gives\">Rules on using forward-looking catastrophe models in rates<\/td><td data-label=\"Licence class\">Public records<\/td><\/tr><tr><td data-label=\"Source\">IPCC Sixth Assessment Report, Working Group I<\/td><td data-label=\"What it gives\">Assessed changes in extremes<\/td><td data-label=\"Licence class\">Free, IPCC terms<\/td><\/tr><tr><td data-label=\"Source\">Institute and Faculty of Actuaries climate research<\/td><td data-label=\"What it gives\">Actuarial approaches to climate in pricing and reserving<\/td><td data-label=\"Licence class\">Free to read, terms to check<\/td><\/tr><tr><td data-label=\"Source\">EIOPA work on climate in non-life underwriting and pricing<\/td><td data-label=\"What it gives\">Supervisory views on climate in pricing<\/td><td data-label=\"Licence class\">Free, EU reuse terms<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/topics\/climate-adjusted-pricing\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Actuarial and Quantitative Risk prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Pricing actuaries<\/td><td data-label=\"The question\">How to reflect changing hazard in rates<\/td><td data-label=\"Evidence this page serves\">Trends, conditioned models and professional standards<\/td><\/tr><tr><td data-label=\"Who decides\">Rate regulators<\/td><td data-label=\"The question\">Whether forward-looking models may support filings<\/td><td data-label=\"Evidence this page serves\">Model reviews and filing evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Insurer boards<\/td><td data-label=\"The question\">How to balance risk-reflective pricing and market position<\/td><td data-label=\"Evidence this page serves\">Pricing analysis and affordability evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Governments<\/td><td data-label=\"The question\">Whether to intervene where risk-reflective prices become unaffordable<\/td><td data-label=\"Evidence this page serves\">Affordability and availability data<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to climate adjustment in insurance pricing<\/li><li>Method note on experience period choice and trends<\/li><li>Brief on regulatory review of forward-looking models<\/li><li>Questions for pricing committees on climate assumptions<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">The questions experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Which hazards are changing in frequency or intensity, and with what confidence?<\/li><li>How should historical loss experience be adjusted to reflect current, not past, climate?<\/li><li>How should forward-looking climate projections enter pricing, if at all, for one-year contracts?<\/li><li>How do changes in exposure and vulnerability compare with changes in hazard?<\/li><li>How do pricing changes affect affordability and the protection gap?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Non-stationarity in practice.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Climate science indicates that some hazards are changing, for example more intense heavy rainfall and heat extremes in many regions, and rising sea levels that raise coastal flood baselines, while changes in other hazards are less certain or vary regionally. Historical loss records therefore mix events from different climate states, and simple averages may understate current risk.<\/p><p class=\"nx-p\">Practitioners respond in several ways: trending historical data, giving more weight to recent experience, using catastrophe models that represent current climate conditions, or adjusting event frequencies using climate science. For annual contracts, the relevant question is current-year risk, while long-term questions, such as the future insurability of a region, need scenario analysis over decades.<\/p><p class=\"nx-p\">Exposure growth, from more and more valuable assets in hazardous areas, and changes in vulnerability, from building codes or adaptation, often drive loss trends as much as hazard change. Separating these drivers matters for pricing and for public policy.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"inset\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Methods and their limits.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Trending<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Detrending and on-levelling<\/h3><p class=\"nx-p nx-mt-1\">Adjusting past losses for exposure, inflation and hazard trends.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Models<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Climate-conditioned catastrophe models<\/h3><p class=\"nx-p nx-mt-1\">Models calibrated to current or future climate; calibration depends on climate science and data.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Scenarios<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Long-horizon scenarios<\/h3><p class=\"nx-p nx-mt-1\">Exploring insurability and pricing under climate scenarios.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Limits: attribution of loss trends to hazard change is difficult, climate projections are uncertain at local scales, and short records make trends hard to detect statistically.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Reserving with development triangles \u00b7 Premium build-up \u00b7 Annuity valuation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Actuarial mathematics: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/stem\/extreme-value\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Extreme value theory and tail risk<\/span><span class=\"nx-mledger-role\">Excess layer pricing \u00b7 Tail capital measures \u00b7 Non-stationary hazard extremes<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/extreme-value\/\" aria-label=\"Extreme value theory and tail risk: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/stem\/uncertainty-quantification\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Uncertainty quantification and model validation<\/span><span class=\"nx-mledger-role\">Reserve ranges \u00b7 Parameter and model uncertainty \u00b7 Sensitivity ranking<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/uncertainty-quantification\/\" aria-label=\"Uncertainty quantification and model validation: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Generalised linear models in pricing \u00b7 Bayesian credibility \u00b7 Goodness-of-fit testing<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Separating climate trends from exposure and reporting changes is hard. Conditioned models depend on climate science that is uncertain at local scale. Regulatory treatment varies by jurisdiction. Actuarial and Quantitative Risk explains methods; it does not price any risk or review any filing.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Why might past losses understate current risk?<\/summary><div class=\"nx-answer\">Because if hazards have changed, an average over many past years reflects an older climate, not the present one.<\/div><\/details><details><summary>What is a forward-looking catastrophe model?<\/summary><div class=\"nx-answer\">A model whose hazard catalogue reflects current or projected climate conditions rather than only historical averages.<\/div><\/details><details><summary>Can regulators restrict climate adjustment in rates?<\/summary><div class=\"nx-answer\">Yes. Rate approval regimes decide which models and assumptions may support filings, and some have created specific rules for forward-looking models.<\/div><\/details><details><summary>Does GRA discuss insurance prices?<\/summary><div class=\"nx-answer\">No. GRA does not exchange, discuss or recommend prices. The platform studies methodological questions only, under its competition safeguards.<\/div><\/details><details><summary>Is climate change the main driver of rising losses?<\/summary><div class=\"nx-answer\">It is one driver. Exposure growth and vulnerability changes are also major drivers, and their relative roles vary by hazard and region.<\/div><\/details><details><summary>Can one-year pricing reflect long-term climate change?<\/summary><div class=\"nx-answer\">Annual pricing reflects current-year risk; long-term change matters for strategy, capital and insurability.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Actuarial and Quantitative Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/loss-distributions\/\">Loss distributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/extreme-value-methods\/\">Extreme value methods <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/credibility-and-sparse-data\/\">Credibility and sparse data <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/dependence-and-correlation\/\">Dependence and correlation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/capital-and-solvency-models\/\">Capital and solvency models <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/model-validation-quant\/\">Quantitative model validation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/\">Actuarial and Quantitative Risk home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Actuarial and Quantitative Risk<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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