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\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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1wly9hi.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=\"fieldmap\" 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-P04 \u00b7 TOPIC \u00b7 adaptation-and-insurability<\/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\">Climate and Nature Financial 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 Climate and Nature Financial Risk<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Adaptation and insurability<\/h1><p class=\"nx-tagline\">As climate hazards grow, some property and activities may become uninsurable at affordable prices, and lenders may stop financing them. Adaptation, through flood defences, building standards, land-use change and nature-based solutions, can keep risks insurable. This page sets out how adaptation affects insurability and finance, how it is measured, and which public and private institutions decide.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-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\/climate-nature-financial-risk\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-stage\" data-lv-fill=\"map\" data-lv-id=\"ecoregion\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"southeast-asia:climate\" data-ml-src=\"climate\" data-ml-plan=\"p-644201d1\" data-ml-relief=\"1.3\"><div class=\"nx-wm\" data-nx-water=\"ctx-climate\" data-wm-domain=\"ctx-climate\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"92,-11,141,24\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Climate signals, Southeast Asia: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"lstd||||\" aria-pressed=\"false\">Surface heat<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Climate signals, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"imerg\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-short=\"Precipitation\" data-wm-prov=\"NASA GES DISC\" data-wm-kind=\"Satellite estimate, near real time\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Precipitation rate, daily mean<\/span><span class=\"nx-wm-layer-src\">NASA GES DISC GPM IMERG \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"imerg\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ssta\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-op=\"0.85\" data-wm-short=\"Marine heat (anomaly)\" data-wm-prov=\"NASA JPL PO.DAAC\" data-wm-kind=\"Satellite analysis\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Sea surface temperature anomaly<\/span><span class=\"nx-wm-layer-src\">NASA JPL PO.DAAC GHRSST MUR25 \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ssta\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" 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data-wm-xt=\"nD8AHC9C+3M3ObZpd9R\/Lxb2bo29sfEuijTslQu3cAY=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div 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class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For adaptation and insurability, in GRA's spatial-finance reading, the map opens on population density, night lights and daytime surface heat with relief in 3D and built-up and settlement extent from NASA GIBS, framed on Southeast Asia; 3 further NASA layers wait in the list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gpm.imerg\">GPM IMERG precipitation, NASA Precipitation Processing System; distributed by the NASA Goddard Earth Sciences Data and Information Services Center (GES DISC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.podaac.ghrsst-mur\">GHRSST Level 4 MUR analyses, NASA Jet Propulsion Laboratory; distributed by the NASA Physical Oceanography DAAC (PO.DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: NASA EONET Events are indicative, not official warnings.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (24 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Precipitation rate, daily mean: GPM IMERG, NASA GES DISC \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/li><li>Sea surface temperature anomaly: GHRSST MUR25, NASA JPL PO.DAAC \u00b7 <span data-wm-date=\"ssta\">12 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/topics\/adaptation-and-insurability\/#map\" data-nxf-title=\"Climate and Nature Financial Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/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-s-3-sec\"><span>02<\/span>Nature risk screening, in outline<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Adaptation and insurability: how the\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=\"climate\" data-variant=\"split\" 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 adaptation and insurability is the question of whether property and activities stay insurable and financeable as hazards grow, and how adaptation keeps them so. Defences, standards and land-use change lower expected loss; public schemes shape incentives. Insurers, governments, local authorities and lenders hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"biodiversity\" 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\">Console<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Nature risk screening, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-climfin-nature\" data-cx=\"climfin.nature\" data-variant=\"section\" aria-label=\"Nature risk screening: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Nature risk screening<\/h3><p class=\"nx-fk-sub\">Adaptation and insurability \u00b7 Nature-sensitive sectors \u00b7 LEAP cycle 2<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Evaluate phase<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Climate and Nature Financial Risk<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">LEAP<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"4\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Locate<\/span><span class=\"nx-cx-snote\">borrower sites<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Evaluate<\/span><span class=\"nx-cx-snote\">dependencies \u00b7 impacts<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Assess<\/span><span class=\"nx-cx-snote\">credit and reputational risk<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Prepare<\/span><span class=\"nx-cx-snote\">targets \u00b7 disclosure<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Dependencies by sector<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-climfin-nature-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-climfin-nature-t1\" aria-label=\"Dependencies by sector\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Sector<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Exposure (local bn)<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Water<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Pollination<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Soil<\/button><\/th><th scope=\"col\" data-col=\"c5\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c5\">Materiality<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-climfin-nature:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Agriculture<\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><\/tr><tr data-fk-key=\"cx-climfin-nature:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Food processing<\/td><td data-num=\"true\" data-sv=\"3\">3<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><\/tr><tr data-fk-key=\"cx-climfin-nature:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Mining<\/td><td data-num=\"true\" data-sv=\"5\">5<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><\/tr><tr data-fk-key=\"cx-climfin-nature:r1-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Real estate<\/td><td data-num=\"true\" data-sv=\"9\">9<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Nature risk screening: the screen's structure, terms and states for Adaptation and insurability.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" 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\">Adaptation and insurability: how the risk develops.<\/h2><p class=\"nx-lede\">Risk reduction and protection gaps. 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=\"M22 12a10.06 10.06 1 0 0-20 0Z\"\/><path d=\"M12 12v8a2 2 0 0 0 4 0\"\/><path d=\"M12 2v1\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Premiums signal risk<\/h3><p class=\"nx-p nx-mt-1\">Risk-based premiums show where hazard is rising. Very high premiums can push owners to drop cover, shifting losses to lenders and governments.<\/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=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Adaptation lowers expected loss<\/h3><p class=\"nx-p nx-mt-1\">Defences, elevation, fire-resistant materials and wetlands reduce damage. If recognised in pricing, they can restore insurability.<\/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\">Public schemes shape incentives<\/h3><p class=\"nx-p nx-mt-1\">Subsidised pools and backstops keep cover available but can encourage building in risky areas unless paired with risk reduction requirements.<\/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\"><circle cx=\"8\" cy=\"8\" r=\"6\"\/><path d=\"M18.09 10.37A6 6 0 1 1 10.34 18\"\/><path d=\"M7 6h1v4\"\/><path d=\"m16.71 13.88.7.71-2.82 2.82\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Adaptation finance is scarce<\/h3><p class=\"nx-p nx-mt-1\">Adaptation benefits are spread across owners, insurers and public budgets, so no single party funds it fully. Financing models try to capture the shared benefit.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">Insurability<\/td><td data-label=\"Definition\">The conditions under which a risk can be covered at a price buyers can pay and insurers can sustain.<\/td><\/tr><tr><td data-label=\"Term\">Impact underwriting<\/td><td data-label=\"Definition\">Insurance practice that rewards policyholders for adaptation measures that reduce expected loss.<\/td><\/tr><tr><td data-label=\"Term\">Backstop<\/td><td data-label=\"Definition\">A public arrangement that absorbs losses beyond what private markets will carry.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"biodiversity\" data-variant=\"stack\" 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\" data-lv=\"register\"><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\">Premiums as a share of household income in high-risk areas<\/td><td data-label=\"Unit\">percent<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Regulator and survey data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Properties with adaptation measures recognised in pricing<\/td><td data-label=\"Unit\">count or share<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Insurer and programme data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Public pool and backstop exposure<\/td><td data-label=\"Unit\">currency<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Pool records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Adaptation investment<\/td><td data-label=\"Unit\">currency per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Public budgets and tracking studies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Avoided losses from defences<\/td><td data-label=\"Unit\">currency per year<\/td><td data-label=\"Cadence\">per study<\/td><td data-label=\"Source type\">Benefit studies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Insurance availability index<\/td><td data-label=\"Unit\">index<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Regulator studies<\/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-P04\/topics\/adaptation-and-insurability\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" 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 Adaptation and insurability 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-p04-topics-adaptation-and-insurability--t nx-dag-a-p04-topics-adaptation-and-insurability--d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p04-topics-adaptation-and-insurability--t\">Adaptation and insurability: the LEAP approach to nature-related issues<\/title><desc id=\"nx-dag-a-p04-topics-adaptation-and-insurability--d\">Locate the interface with nature and sensitive locations, Evaluate dependencies and impacts, Assess the risks and opportunities they create, and Prepare strategy, targets and disclosure. 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=\"climate\" 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\">UNEP Adaptation Gap Report<\/td><td data-label=\"What it gives\">Adaptation finance needs and flows<\/td><td data-label=\"Licence class\">Free to read, UNEP terms<\/td><\/tr><tr><td data-label=\"Source\">Flood Re annual reports<\/td><td data-label=\"What it gives\">UK flood reinsurance scheme operation and transition plan<\/td><td data-label=\"Licence class\">Free to read, Flood Re terms<\/td><\/tr><tr><td data-label=\"Source\">NFIP Risk Rating 2.0 documentation<\/td><td data-label=\"What it gives\">United States flood insurance pricing including mitigation credits<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">EIOPA work on climate adaptation and insurance<\/td><td data-label=\"What it gives\">Impact underwriting and adaptation in insurance<\/td><td data-label=\"Licence class\">Free, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">Global Center on Adaptation reports<\/td><td data-label=\"What it gives\">Adaptation finance and evidence<\/td><td data-label=\"Licence class\">Free to read, terms to check<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/topics\/adaptation-and-insurability\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"biodiversity\" data-tone=\"alt\" 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\">Climate and Nature Financial 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\"><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\">Insurers<\/td><td data-label=\"The question\">Whether and how to recognise adaptation measures in pricing<\/td><td data-label=\"Evidence this page serves\">Loss reduction evidence and data<\/td><\/tr><tr><td data-label=\"Who decides\">Governments<\/td><td data-label=\"The question\">Whether to establish or reform public schemes and backstops<\/td><td data-label=\"Evidence this page serves\">Scheme designs, costs and incentives<\/td><\/tr><tr><td data-label=\"Who decides\">Local authorities<\/td><td data-label=\"The question\">Which adaptation investments and land-use rules to adopt<\/td><td data-label=\"Evidence this page serves\">Hazard and loss evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Lenders<\/td><td data-label=\"The question\">Whether adaptation changes lending terms<\/td><td data-label=\"Evidence this page serves\">Collateral risk and insurance evidence<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to insurability and the role of adaptation<\/li><li>Comparative notes on public flood insurance schemes<\/li><li>Method note on recognising adaptation in pricing<\/li><li>Questions for governments on backstop design<\/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\">What analysts ask about insurability.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Where are protection gaps largest, and why?<\/li><li>How does rising risk affect premiums and availability of cover?<\/li><li>How much can adaptation, such as flood defences or building standards, reduce insured losses?<\/li><li>What happens when cover is withdrawn from high-risk areas?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"climate\" 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\">Risk, price and protection.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">When expected losses rise, risk-based premiums rise. At some point cover becomes unaffordable for households and firms, or insurers limit capacity, leaving losses uninsured. Protection gaps are largest in lower-income countries, but they are also growing in high-risk areas of wealthier economies.<\/p><p class=\"nx-p nx-mt-2\">Adaptation reduces vulnerability and exposure, lowering expected losses and helping keep risks insurable. Insurance can encourage adaptation through pricing signals, but only if risk reduction is reflected in premiums. Public schemes, risk pools and other mechanisms can help where private markets withdraw, with trade-offs for public budgets and incentives.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"biodiversity\" data-variant=\"split\" 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\">Analysing protection gaps.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Protection gap estimation<\/h3><p class=\"nx-p nx-mt-1\">Comparing economic and insured losses. Economic losses are uncertain in data-poor regions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Adaptation benefit analysis<\/h3><p class=\"nx-p nx-mt-1\">Estimating how risk reduction lowers expected losses, using <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/climate-science\/\">climate and atmospheric science<\/a>. Benefits depend on maintenance and future hazards.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Affordability analysis<\/h3><p class=\"nx-p nx-mt-1\">Relating premiums to incomes, with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/spatial-statistics\/\">spatial statistics and geostatistics<\/a>. Household data are limited.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Scheme comparison<\/h3><p class=\"nx-p nx-mt-1\">Comparing public, private and blended arrangements. Context limits transfer of lessons.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" 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\/climate-nature-financial-risk\/stem\/climate-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Climate and atmospheric science<\/span><span class=\"nx-mledger-role\">Hazard projections for portfolios \u00b7 Tail and compound hazards \u00b7 Scenario physical variables<\/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\/science\/climate-science\/\" aria-label=\"Climate and atmospheric science: 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\/climate-nature-financial-risk\/stem\/spatial-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Spatial statistics and geostatistics<\/span><span class=\"nx-mledger-role\">Geolocating exposures \u00b7 Aggregating location risk \u00b7 Resolution sensitivity<\/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\/spatial-statistics\/\" aria-label=\"Spatial statistics and geostatistics: 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\/climate-nature-financial-risk\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Credit risk transmission \u00b7 Market pricing studies \u00b7 Cross-sector transmission<\/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\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: 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\/climate-nature-financial-risk\/stem\/ecology\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Ecology and biodiversity science<\/span><span class=\"nx-mledger-role\">Ecosystem service dependency \u00b7 Ecosystem condition at asset sites \u00b7 Thresholds and regime shifts<\/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\/science\/ecology\/\" aria-label=\"Ecology and biodiversity science: 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\">Evidence on how much specific adaptation measures reduce insured loss is limited and context-dependent. Affordability measures depend on income data. Public scheme costs are often not fully disclosed. Climate and Nature Financial Risk explains mechanisms; it does not price cover, design schemes or give advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"climate\" 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>What makes a risk uninsurable?<\/summary><div class=\"nx-answer\">A risk becomes uninsurable when insurers cannot price it at a level buyers will pay and that covers expected losses, capital and expenses, or when losses are too correlated to diversify.<\/div><\/details><details><summary>What is impact underwriting?<\/summary><div class=\"nx-answer\">Insurance practice that rewards policyholders for adaptation measures, such as lower premiums for flood-resilient buildings, as EIOPA describes it.<\/div><\/details><details><summary>What is Flood Re?<\/summary><div class=\"nx-answer\">A UK reinsurance scheme that helps keep flood cover affordable for households in high-risk areas, designed with a planned transition to risk-reflective pricing.<\/div><\/details><details><summary>What is a protection gap?<\/summary><div class=\"nx-answer\">The difference between total economic losses from an event and the share that is insured.<\/div><\/details><details><summary>Why might insurers withdraw from an area?<\/summary><div class=\"nx-answer\">When expected losses become too high or too uncertain to price at levels buyers can afford and that sustain the insurer's capital.<\/div><\/details><details><summary>Can adaptation keep risks insurable?<\/summary><div class=\"nx-answer\">It can help significantly where it reduces expected losses and is reflected in pricing, though it cannot remove all risk.<\/div><\/details><details><summary>Does GRA arrange insurance or risk transfer?<\/summary><div class=\"nx-answer\">No. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval.<\/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 Climate and Nature Financial Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/physical-climate-risk\/\">Physical climate risk <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\/climate-nature-financial-risk\/topics\/transition-risk\/\">Transition risk <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\/climate-nature-financial-risk\/topics\/nature-dependencies\/\">Nature dependencies <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\/climate-nature-financial-risk\/topics\/scenario-analysis\/\">Scenario analysis <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\/climate-nature-financial-risk\/topics\/insurance-bank-investment-effects\/\">Insurance bank investment effects <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\/climate-nature-financial-risk\/topics\/disclosure-and-data\/\">Disclosure and 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\/climate-nature-financial-risk\/\">Climate and Nature Financial 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\/climate-nature-financial-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\">Climate and Nature Financial 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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