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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nqaystyd.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-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Disaster Risk Finance<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Disaster Risk Finance<\/h1><p class=\"nx-scene-lede\">Public and private preparedness for the fiscal and financial consequences of disaster events. Disaster Risk Finance is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/about\/\">Open Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>4<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>8<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>6<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"systemic\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><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\">Sequence<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The order things happen in.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"timeline\"><div class=\"nx-hero-rail\"><ol class=\"nx-lv-rail\"><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/programmes\/\"><span class=\"nx-lv-rail-k\">01<\/span><span class=\"nx-lv-rail-t\">Question<\/span><span class=\"nx-lv-rail-n\">National, regional or institutional priority<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/\"><span class=\"nx-lv-rail-k\">02<\/span><span class=\"nx-lv-rail-t\">Evidence<\/span><span class=\"nx-lv-rail-n\">STEM foundation of the platform<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/foundry\/\"><span class=\"nx-lv-rail-k\">03<\/span><span class=\"nx-lv-rail-t\">Build<\/span><span class=\"nx-lv-rail-n\">Foundry<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/community\/\"><span class=\"nx-lv-rail-k\">04<\/span><span class=\"nx-lv-rail-t\">Organise<\/span><span class=\"nx-lv-rail-n\">Nexus ecosystem<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/universe\/\"><span class=\"nx-lv-rail-k\">05<\/span><span class=\"nx-lv-rail-t\">Test<\/span><span class=\"nx-lv-rail-n\">Universe (independent site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/reports\/\"><span class=\"nx-lv-rail-k\">06<\/span><span class=\"nx-lv-rail-t\">Publish<\/span><span class=\"nx-lv-rail-n\">Reports<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/trust\/\"><span class=\"nx-lv-rail-k\">07<\/span><span class=\"nx-lv-rail-t\">Decide<\/span><span class=\"nx-lv-rail-n\">Competent authorities and institutions, through NXS-RLS (participants, agreements and handoffs)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/programmes\/\"><span class=\"nx-lv-rail-k\">08<\/span><span class=\"nx-lv-rail-t\">Renew<\/span><span class=\"nx-lv-rail-n\">Corrections and the next annual agenda<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Cycle, Monitor, Topics\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Cycle, Monitor, Topics\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-cycle\" aria-selected=\"true\" data-key=\"p1\">Cycle<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-3-sec\" aria-selected=\"false\" data-key=\"p2\">Monitor<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-4-sec\" aria-selected=\"false\" data-key=\"p3\">Topics<\/button><\/div><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><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\">Cycle<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a><\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/programmes\/\">Question in Disaster Risk Finance<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/\">Evidence in Disaster Risk Finance<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/foundry\/\">Build in Disaster Risk Finance<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/community\/\">Organise in Disaster Risk Finance<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/universe\/\">Test in Disaster Risk Finance<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/reports\/\">Publish in Disaster Risk Finance<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/trust\/\">Decide in Disaster Risk Finance<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/programmes\/\">Renew in Disaster Risk Finance<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><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\">Monitor<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Parametric trigger monitor.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this field: its measures, states and decisions. Names are examples and values are illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-drf-triggers\" data-cx=\"drf.triggers\" data-variant=\"section\" aria-label=\"Parametric trigger monitor: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Parametric trigger monitor<\/h3><p class=\"nx-fk-sub\">Sovereign C \u00b7 Season 1 \u00b7 Index: rainfall deficit<\/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&#8217;s values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Index approaching trigger<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Disaster Risk Finance<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Index vs trigger<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Index vs trigger\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-drf-triggers-c0\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Index|ink|l||0:42.6;1:46;2:49;3:49.1;4:46.4;5:51.7;6:48.3;7:53.4;8:55.6;9:59.5;10:59.3;11:60.9;12:62.3;13:66.6;14:66;15:69.1;16:75;17:75.6;18:76.8;19:79.4;20:79.9;21:85.8;22:85.9;23:88.1~Long-term mean|acc|l||0:52.4;1:56.6;2:57.7;3:57;4:55.4;5:54.7;6:54.8;7:57;8:60.1;9:58.7;10:58;11:63;12:68.1;13:70.6;14:72.9;15:75.2;16:77.2;17:81.7;18:82.3;19:83.5;20:83.6;21:84.4;22:89.5;23:92.9\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Payment structure<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-drf-triggers-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-drf-triggers-t1\" aria-label=\"Payment structure\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Level<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Index value<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Payment share<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">State<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-drf-triggers:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Attachment<\/td><td data-num=\"true\" data-sv=\"64\">64<\/td><td data-num=\"true\">0<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Close<\/span><\/td><\/tr><tr data-fk-key=\"cx-drf-triggers:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Mid<\/td><td data-num=\"true\" data-sv=\"77\">77<\/td><td data-num=\"true\" data-sv=\"51\">51<\/td><td><span class=\"nx-fk-pill\" data-state=\"off\"><i aria-hidden=\"true\"><\/i>Not met<\/span><\/td><\/tr><tr data-fk-key=\"cx-drf-triggers:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Exhaustion<\/td><td data-num=\"true\" data-sv=\"92\">92<\/td><td data-num=\"true\">100<\/td><td><span class=\"nx-fk-pill\" data-state=\"off\"><i aria-hidden=\"true\"><\/i>Not met<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Risk layers<\/h4><p class=\"nx-fk-panel-sub\">local m, pre-arranged<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 360 120\" width=\"360\" height=\"120\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Risk layers\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"104\" y=\"17\" text-anchor=\"end\">Contingency budget<\/text><rect data-m=\"bar\" data-k=\"b-b0\" data-c=\"acc\" x=\"112\" y=\"4\" width=\"12.9\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"130.9\" y=\"17\">56 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"-1\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"104\" y=\"45\" text-anchor=\"end\">Contingent credit<\/text><rect data-m=\"bar\" data-k=\"b-b1\" data-c=\"acc\" x=\"112\" y=\"32\" width=\"34.2\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"152.2\" y=\"45\">148 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"27\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"104\" y=\"73\" text-anchor=\"end\">Parametric cover<\/text><rect data-m=\"bar\" data-k=\"b-b2\" data-c=\"acc\" x=\"112\" y=\"60\" width=\"22.5\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"140.5\" y=\"73\">97 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"55\" width=\"360\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"104\" y=\"101\" text-anchor=\"end\">Funding gap, 1-in-50<\/text><rect data-m=\"bar\" data-k=\"b-b3\" data-c=\"acc\" x=\"112\" y=\"88\" width=\"20.5\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"138.5\" y=\"101\">88 m<\/text><rect data-m=\"hit\" x=\"0\" y=\"83\" width=\"360\" height=\"28\"\/><\/g><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Payment to people<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"5\"><li data-st=\"now\"><span class=\"nx-cx-sn\">Trigger<\/span><span class=\"nx-cx-snote\">agent confirms<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Payment<\/span><span class=\"nx-cx-snote\"><span class=\"nx-cx-n\">19<\/span> days<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Treasury<\/span><span class=\"nx-cx-snote\">transfer<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Social protection<\/span><span class=\"nx-cx-snote\">scale-up<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Households<\/span><span class=\"nx-cx-snote\">cash<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Parametric trigger monitor: the screen&#8217;s structure, terms and states for Sovereign C.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><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\">Topics<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/risk-financing-layers\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Risk financing layers<\/h3><p class=\"nx-p nx-mt-1\">Retention, contingency and external risk transfer.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/sovereign-contingent-liabilities\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Sovereign contingent liabilities<\/h3><p class=\"nx-p nx-mt-1\">Disaster costs and budget exposures.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/insurance-and-public-pools\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Insurance and public pools<\/h3><p class=\"nx-p nx-mt-1\">Pools and insurance readiness.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/anticipatory-finance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Anticipatory finance<\/h3><p class=\"nx-p nx-mt-1\">Triggers and preparedness evidence.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/post-disaster-financing\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Post disaster financing<\/h3><p class=\"nx-p nx-mt-1\">Liquidity timing and recovery resources.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/public-investment-and-resilience\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Public investment and resilience<\/h3><p class=\"nx-p nx-mt-1\">Risk-sensitive budget and capital projects.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/financing-evidence-and-diligence\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financing evidence and diligence<\/h3><p class=\"nx-p nx-mt-1\">Independent reviewer information needs.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/disaster-finance-governance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Disaster finance governance<\/h3><p class=\"nx-p nx-mt-1\">Authority, consent and approval limits.<\/p><\/a><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"systemic\" aria-label=\"Loss model, Coverage\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Loss model, Coverage\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-instrument\" aria-selected=\"true\" data-key=\"p1\">Loss model<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-areas\" aria-selected=\"false\" data-key=\"p2\">Coverage<\/button><\/div><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><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\">Loss model<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Loss exceedance, average annual loss and probable maximum loss.<\/h2><p class=\"nx-lede\">The loss a portfolio in the footprint can expect per year and at the 1 in 100 and 1 in 250 levels that insurers and lenders price, from the same three blocks every <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 catastrophe-model\" data-tk=\"Nexus risk vocabulary\" data-td=\"A model combining a stochastic hazard event set, exposure and vulnerability functions to estimate the distribution of losses from rare, severe events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">catastrophe model<\/a> uses. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-disaster-risk-finance-0\" data-nxi=\"hevl\" data-nxi-id=\"hevl\" data-nxi-z=\"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\" aria-label=\"Loss exceedance, average annual loss and probable maximum loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-disaster-risk-finance-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Loss exceedance curve\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Typical annual hazard intensity (location)<\/dt><dd>1.00 intensity index<\/dd><\/div><div><dt>Spread of extremes (scale)<\/dt><dd>0.80 intensity index<\/dd><\/div><div><dt>Intensity at which half the value is lost<\/dt><dd>4.00 intensity index<\/dd><\/div><div><dt>Dispersion of vulnerability<\/dt><dd>0.55<\/dd><\/div><div><dt>Share of value in the hazard footprint<\/dt><dd>40%<\/dd><\/div><div><dt>Protection standard (return period)<\/dt><dd>50 years<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Average annual loss<\/dt><dd>0.51% of value<\/dd><\/div><div><dt>Loss at 1 in 100 years<\/dt><dd>24.5% of value<\/dd><\/div><div><dt>Loss at 1 in 250 years<\/dt><dd>28.4% of value<\/dd><\/div><div><dt>Intensity at 1 in 100 years<\/dt><dd>4.68 intensity index<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Return period (years)<\/th><th scope=\"col\">Intensity (intensity index)<\/th><th scope=\"col\">Loss (% of value)<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">1<\/th><td>0.09<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>1.27<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>1.91<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>2.47<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>3.00<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>3.51<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">44<\/th><td>4.02<\/td><td>0.00<\/td><\/tr><tr><th scope=\"row\">82<\/th><td>4.53<\/td><td>23.55<\/td><\/tr><tr><th scope=\"row\">154<\/th><td>5.03<\/td><td>26.44<\/td><\/tr><tr><th scope=\"row\">287<\/th><td>5.53<\/td><td>28.87<\/td><\/tr><tr><th scope=\"row\">536<\/th><td>6.03<\/td><td>30.88<\/td><\/tr><tr><th scope=\"row\">1,000<\/th><td>6.53<\/td><td>32.53<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>Gumbel extreme-value hazard <span class=\"nx-in-cite\">Gumbel (1958), Statistics of Extremes, Columbia University Press<\/span><\/li><li>Lognormal fragility (vulnerability) <span class=\"nx-in-cite\">FEMA (2003), HAZUS-MH Technical Manual<\/span><\/li><li>Exceedance-probability curve and average annual loss <span class=\"nx-in-cite\">Grossi and Kunreuther (2005), Catastrophe Modeling, Springer<\/span><\/li><li>Levee effect <span class=\"nx-in-cite\">Di Baldassarre and others (2013), Socio-hydrology, HESS 17<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">The model runs on the teaching values set by the controls. To calibrate it for a place, read it against these admitted layers and series, which this page&#8217;s map can draw:<\/p><ul class=\"nx-in-src\"><li>Rivers <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Urban extents <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Cities <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Earthquakes M4.5+, past week (USGS) <span class=\"nx-in-cite\">U.S. Geological Survey \u00b7 register usgs.earthquake.summary-feeds<\/span><\/li><li>Rain rate, last half hour (IMERG) <span class=\"nx-in-cite\">NASA GPM IMERG Early \u00b7 register nasa.gibs.context-live-layers<\/span><\/li><li>River discharge forecast, 30 days with range (GloFAS via Open-Meteo) <span class=\"nx-in-cite\">Open-Meteo.com (CC BY 4.0), Copernicus GloFAS \u00b7 register open-meteo.public-pages<\/span><\/li><li>Built-up and settlement extent, 2010 (HBASE, Landsat) <span class=\"nx-in-cite\">CIESIN\/Columbia, NASA SEDAC HBASE \u00b7 register sedac.context-urban-layers<\/span><\/li><\/ul><\/div><\/details><figcaption class=\"nx-caption\">Loss exceedance, average annual loss and probable maximum loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: Gumbel extreme-value hazard (Gumbel (1958), Statistics of Extremes, Columbia University Press); Lognormal fragility (vulnerability) (FEMA (2003), HAZUS-MH Technical Manual); Exceedance-probability curve and average annual loss (Grossi and Kunreuther (2005), Catastrophe Modeling, Springer).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/foundry\/\">Disaster Risk Finance in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/universe\/\">Disaster Risk Finance in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/\">Hazards and Disaster Risk Reduction in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/reports\/\">Disaster Risk Finance in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Faculty of Hazards, Disasters and Resilience in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><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\">Coverage<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">The areas of disaster and crisis this platform takes on.<\/h2><p class=\"nx-lede\">Disaster Risk Finance studies how governments, households and institutions pay for disasters, and how arranging money before an event changes what happens after it. Its pages cover <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-layering\" data-tk=\"Nexus risk vocabulary\" data-td=\"Matching financing instruments to risk by frequency and severity: retaining frequent small losses, and transferring rarer large ones.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk layering<\/a>, sovereign contingent liabilities, insurance and public pools, anticipatory finance triggered by forecasts, post-disaster financing, resilient public investment, the evidence behind financing decisions and the governance of disaster funds. Every source is labelled. Global Risks Alliance shares industry understanding and does not lend, insure, fund or advise any government.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"4\"><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\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Risk layering<\/h3><p class=\"nx-p nx-mt-1\">Matching instruments to the frequency and severity of losses: reserves for frequent events, contingent credit for medium ones, insurance for rare ones.<\/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\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Contingent liabilities<\/h3><p class=\"nx-p nx-mt-1\">The disaster costs a government is likely or obliged to bear, explicit or implicit, and how they enter <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 fiscal-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The possibility of deviations of public finances from expectations, from shocks, hidden liabilities or policy.\" data-ts=\"NRS-C1\" data-tr=\"draft\">fiscal risk<\/a> statements.<\/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=\"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\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Insurance and pools<\/h3><p class=\"nx-p nx-mt-1\">Sovereign <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 parametric-insurance\" data-tk=\"Nexus risk vocabulary\" data-td=\"Insurance that pays a pre-agreed amount when a measured hazard parameter or index meets a trigger, rather than after assessing actual loss.\" data-ts=\"NRS-C1\" data-tr=\"draft\">parametric insurance<\/a>, regional risk pools, national schemes and public-private partnerships for households and farmers.<\/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=\"M19.07 4.93A10 10 0 0 0 6.99 3.34\"\/><path d=\"M4 6h.01\"\/><path d=\"M2.29 9.62A10 10 0 1 0 21.31 8.35\"\/><path d=\"M16.24 7.76A6 6 0 1 0 8.23 16.67\"\/><path d=\"M12 18h.01\"\/><path d=\"M17.99 11.66A6 6 0 0 1 15.77 16.67\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"m13.41 10.59 5.66-5.66\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Anticipatory finance<\/h3><p class=\"nx-p nx-mt-1\">Funds released on forecasts before a hazard strikes, with pre-agreed triggers, actions and delivery channels.<\/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\"><rect width=\"20\" height=\"12\" x=\"2\" y=\"6\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"M6 12h.01M18 12h.01\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Post-disaster financing<\/h3><p class=\"nx-p nx-mt-1\">Budget reallocation, emergency borrowing, debt pause clauses, humanitarian appeals and reconstruction finance.<\/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=\"M6 22V4a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v18Z\"\/><path d=\"M6 12H4a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2h2\"\/><path d=\"M18 9h2a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-2\"\/><path d=\"M10 6h4\"\/><path d=\"M10 10h4\"\/><path d=\"M10 14h4\"\/><path d=\"M10 18h4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Resilient public investment<\/h3><p class=\"nx-p nx-mt-1\">Building <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-reduction\" data-tk=\"Nexus risk vocabulary\" data-td=\"Preventing new risk, reducing existing risk and managing residual risk, all contributing to resilience.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk reduction<\/a> into public investment appraisal and infrastructure, so that fewer losses need financing.<\/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 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M4.268 21a2 2 0 0 0 1.727 1H18a2 2 0 0 0 2-2V7l-5-5H6a2 2 0 0 0-2 2v3\"\/><path d=\"m9 18-1.5-1.5\"\/><circle cx=\"5\" cy=\"14\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Evidence and diligence<\/h3><p class=\"nx-p nx-mt-1\">Risk models, loss data and evaluation that support financing choices, and the questions diligence asks of them.<\/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\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Governance<\/h3><p class=\"nx-p nx-mt-1\">Legal frameworks, fund rules, transparency and accountability for disaster money from trigger to beneficiary.<\/p><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"systemic\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-7\"><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\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Trace a shock in Disaster Risk Finance to the balance sheet.<\/h2><p class=\"nx-lede\">Assembled from the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> area profile <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/disaster-and-climate-risk-finance\/\">Disaster and climate risk finance<\/a>: the shocks it names, the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and sectors that carry the loss, the controls that dampen it and the data that observe it. Pick an initiating shock and step through the cascade to see which exposures it reaches and where losses could concentrate. The Map view places the run on an example geography with open data. Every weight is a stated assumption. An exercise, not a forecast, a valuation, a rating or investment advice. To model a place of your own choosing, open the full <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/system-builder\/\">System Builder<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-ns-twin\" data-ns-data=\"nx-twin-es-home-A-P03\" data-ns-credits=\"Nexus Standards registry and area profiles; Nexus Hazard Standard NHS-1 1.1.0\"><div class=\"nx-ns-twin-static\"><div><p class=\"nx-eyebrow\">Hazards<\/p><ul class=\"nx-list\"><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h2\" data-tc=\"NHS-1 atmo.cyclone.tropical-cyclone\" data-tk=\"Atmosphere and weather \u00b7 Cyclonic storm systems\" data-td=\"A warm-core rotating storm over tropical oceans whose winds, rain and surge threaten coasts and inland river basins.\" data-ts=\"NRS-H2\" data-tr=\"draft\">Tropical cyclone<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/geophysical-hazard-standards\/\" data-tc=\"NHS-1 geo.seismic.earthquake\" data-tk=\"Solid Earth \u00b7 Fault shaking and rupture\" data-td=\"Sudden slip on a fault releasing seismic waves that shake the ground and damage structures and lifelines.\" data-ts=\"NRS-H17\" data-tr=\"draft\">Earthquake<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.ice-jam-flood\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"River water backing up behind an ice blockage and flooding adjacent land, sometimes with ice and debris.\" data-ts=\"NRS-H9\" data-tr=\"draft\">Ice-jam flood<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.storm-surge\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"Sea level pushed above the tide by storm wind and low pressure, flooding the coast.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Storm surge<\/a> (set off downstream)<\/li><li>Intense rainfall (set off downstream)<\/li><li>River flood (set off downstream)<\/li><li>Flash flood (set off downstream)<\/li><li>Dangerous surf (set off downstream)<\/li><li>Widespread power outage (set off downstream)<\/li><li>Mass displacement (set off downstream)<\/li><li>Coastal flood (set off downstream)<\/li><li>Aftershock sequence (set off downstream)<\/li><li>Fault surface rupture (set off downstream)<\/li><li>Soil liquefaction (set off downstream)<\/li><li>Slope slide (set off downstream)<\/li><li>Rockfall (set off downstream)<\/li><li>Tsunami (set off downstream)<\/li><li>Building collapse (set off downstream)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Systems and couplings<\/p><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/disaster-and-climate-risk-finance\/\">Disaster and climate risk finance<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/early-warning\/early-warning-and-anticipatory-action\/\">Early warning and anticipatory action<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/disaster-risk-reduction\/\">Disaster risk reduction<\/a> <span class=\"nx-ns-sub\">Feedback<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/financial-stability-and-prudential-risk\/\">Financial stability and prudential risk<\/a> <span class=\"nx-ns-sub\">Cascade<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/hydrometeorological-hazard-standards\/\">Hydrometeorological hazard standards<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Controls<\/p><ul class=\"nx-list\"><li><code>NS-0<\/code> Constitution and principles<\/li><li><code>NS-3<\/code> Risk record UNIs (grammar, legacy crosswalk, allocation authority)<\/li><li><code>NS-9<\/code> Contextual UNIs (deployments, instances, programme instances)<\/li><li><code>NS-10<\/code> Policies and clauses (machine-readable obligations: definition, binding, evaluation and enforcement)<\/li><li><code>NS-11<\/code> Verification and monitoring (evidence, attestations, zero-trust conformance observation)<\/li><li><code>NS-14<\/code> Conformance and crosswalk to external standards<\/li><li><code>NRS-F8<\/code> Parametric and index-based risk transfer<\/li><li><code>NRS-F7<\/code> Disaster risk finance and pre-arranged finance<\/li><li><code>NRS-H113<\/code> Hazard family: Financial-system fragility (NHS-1 soc.financial-system)<\/li><li><code>NRS-H114<\/code> Hazard family: Macroeconomic and fiscal shocks (NHS-1 soc.macro-fiscal)<\/li><li><code>NRS-D1<\/code> Risk-informed development and project screening<\/li><li><code>NRS-H28<\/code> Hazard family: Climate-state shifts (NHS-1 eco.climate-state)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>ERA5 reanalysis (Copernicus Climate Data Store) (listed for reference)<\/li><li>CHIRPS quasi-global gridded precipitation (listed for reference)<\/li><li>USGS earthquake GeoJSON summary feeds (listed for reference)<\/li><li>Total public international support for national disaster risk reduction actions (Sendai indicator F-1)<\/li><li>Direct economic loss attributed to disasters in relation to global GDP<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Example geography<\/p><ul class=\"nx-list\"><li>Western Europe: 152 hexagonal cells<\/li><li>Rain rate, last half hour (IMERG), NASA GIBS<\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band), NASA GIBS<\/li><li>Surface water through cloud, 30 m (OPERA DSWx-S1 radar), NASA GIBS<\/li><li>Surface soil moisture (SMAP), NASA GIBS<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"finance\" aria-label=\"Overview, Exposure, loss and capital, The problem\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Overview, Exposure, loss and capital, The problem\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-overview\" aria-selected=\"true\" data-key=\"p1\">Overview<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"false\" data-key=\"p3\">The problem<\/button><\/div><section id=\"nx-sec-overview\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><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\">Overview<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">What Disaster Risk Finance does.<\/h2><p class=\"nx-lede\">Disaster risk finance is the set of plans and instruments that governments, households and institutions use to pay for disasters, arranged before or after an event. Global Risks Alliance&#8217;s platform explains layering, contingent liabilities, insurance and pools, anticipatory finance, post-disaster funding, resilient investment, evidence and governance. It does not lend, insure or advise.<\/p><\/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=\"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\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Disaster finance researchers; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 fiscal-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The possibility of deviations of public finances from expectations, from shocks, hidden liabilities or policy.\" data-ts=\"NRS-C1\" data-tr=\"draft\">fiscal risk<\/a> analysts; public sector risk teams.<\/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=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Risk-layering; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 contingent-liability\" data-tk=\"Nexus risk vocabulary\" data-td=\"An obligation that only becomes due if a particular event occurs, such as guarantees or disaster costs borne by the state.\" data-ts=\"NRS-C1\" data-tr=\"draft\">contingent liability<\/a> analysis; risk financing scenarios.<\/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=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Disaster finance dossiers; sovereign <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 protection-gap\" data-tk=\"Nexus risk vocabulary\" data-td=\"The difference between total economic losses from hazards and the share covered by insurance or other pre-arranged protection, leaving households, firms and governments to absorb the rest.\" data-ts=\"NRS-C1\" data-tr=\"draft\">protection gap<\/a> methods.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><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\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">What Disaster Risk Finance means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"risk-layering\"><h3 class=\"nx-h4\">Financing instruments by layer<\/h3><p class=\"nx-p nx-au-what\">How retention and transfer instruments could share losses from Disaster Risk Finance, from frequent to extreme.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 204\" role=\"img\" aria-label=\"Risk layers from retention to residual loss\" focusable=\"false\"><rect class=\"nx-au-layer\" x=\"120\" y=\"148\" width=\"420\" height=\"30\"\/><text class=\"nx-au-t nx-au-lb\" x=\"130\" y=\"168\" text-anchor=\"start\">Retention and reserves<\/text><text class=\"nx-au-t\" x=\"112\" y=\"168\" text-anchor=\"end\">Frequent, low severity<\/text><rect class=\"nx-au-layer\" x=\"120\" y=\"114\" width=\"420\" height=\"30\"\/><text class=\"nx-au-t nx-au-lb\" x=\"130\" y=\"134\" text-anchor=\"start\">Contingent credit<\/text><text class=\"nx-au-t\" x=\"112\" y=\"134\" text-anchor=\"end\">Moderate<\/text><rect class=\"nx-au-layer nx-au-layer-ac\" x=\"120\" y=\"80\" width=\"420\" height=\"30\"\/><text class=\"nx-au-t nx-au-lb\" x=\"130\" y=\"100\" text-anchor=\"start\">Parametric cover and risk pools<\/text><text class=\"nx-au-t\" x=\"112\" y=\"100\" text-anchor=\"end\">Severe<\/text><rect class=\"nx-au-layer\" x=\"120\" y=\"46\" width=\"420\" height=\"30\"\/><text class=\"nx-au-t nx-au-lb\" x=\"130\" y=\"66\" text-anchor=\"start\">Reinsurance and catastrophe bonds<\/text><text class=\"nx-au-t\" x=\"112\" y=\"66\" text-anchor=\"end\">Rare, extreme<\/text><rect class=\"nx-au-layer\" x=\"120\" y=\"12\" width=\"420\" height=\"30\"\/><text class=\"nx-au-t nx-au-lb\" x=\"130\" y=\"32\" text-anchor=\"start\">Residual loss<\/text><text class=\"nx-au-t\" x=\"112\" y=\"32\" text-anchor=\"end\">Beyond all layers<\/text><text class=\"nx-au-t\" x=\"112\" y=\"196\" text-anchor=\"end\">severity rises upward<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Layer<\/th><th scope=\"col\">Who holds the risk<\/th><th scope=\"col\">Speed of funds<\/th><th scope=\"col\">Main limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Layer\">Retention and reserves<\/td><td data-label=\"Who holds the risk\">Budget, contingency funds<\/td><td data-label=\"Speed of funds\">Immediate<\/td><td data-label=\"Main limit\">Size of the budget<\/td><\/tr><tr><td data-label=\"Layer\">Contingent credit<\/td><td data-label=\"Who holds the risk\">Development banks, ministries of finance<\/td><td data-label=\"Speed of funds\">Days to weeks<\/td><td data-label=\"Main limit\">Debt capacity<\/td><\/tr><tr><td data-label=\"Layer\">Parametric cover and risk pools<\/td><td data-label=\"Who holds the risk\">Regional pools, insurers<\/td><td data-label=\"Speed of funds\">Days, on a trigger<\/td><td data-label=\"Main limit\">Basis risk<\/td><\/tr><tr><td data-label=\"Layer\">Reinsurance and catastrophe bonds<\/td><td data-label=\"Who holds the risk\">Reinsurers, capital markets investors<\/td><td data-label=\"Speed of funds\">Weeks to months<\/td><td data-label=\"Main limit\">Cost of capital<\/td><\/tr><tr><td data-label=\"Layer\">Residual loss<\/td><td data-label=\"Who holds the risk\">Households, firms, humanitarian funding<\/td><td data-label=\"Speed of funds\">Uncertain<\/td><td data-label=\"Main limit\">Unfunded<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Risk layering as described in disaster risk finance practice; instruments are illustrative of the structure, not offers, prices or advice.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"exposure-loss\"><h3 class=\"nx-h4\">Exposure and loss at return periods<\/h3><p class=\"nx-p nx-au-what\">How losses from Disaster Risk Finance grow with severity, gross and net of reinsurance, against capital.<\/p><div class=\"nx-au-cols\"><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Exceedance probability curve, gross and net loss by return period\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"50\" y1=\"186\" x2=\"540\" y2=\"186\"\/><line class=\"nx-au-ax\" x1=\"50\" y1=\"16\" x2=\"50\" y2=\"186\"\/><path class=\"nx-au-ln\" d=\"M50 156.3l163.3-40.4 163.4-27.6 163.3-46.8\"\/><path class=\"nx-au-ac\" d=\"M50 164.8l163.3-23.4 163.4-12.8 163.3-25.5\"\/><text class=\"nx-au-t\" x=\"50\" y=\"202\" text-anchor=\"middle\">1 in 10<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"50.0\" cy=\"164.8\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"213.33\" y=\"202\" text-anchor=\"middle\">1 in 50<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"213.3\" cy=\"141.4\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"376.67\" y=\"202\" text-anchor=\"middle\">1 in 100<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"376.7\" cy=\"128.6\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"540\" y=\"202\" text-anchor=\"middle\">1 in 250<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"540.0\" cy=\"103.1\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"534\" y=\"33.5\" text-anchor=\"end\">gross<\/text><text class=\"nx-au-t\" x=\"526\" y=\"129.13\" text-anchor=\"end\">net of reinsurance<\/text><text class=\"nx-au-t\" x=\"44\" y=\"20\" text-anchor=\"end\">80<\/text><text class=\"nx-au-t\" x=\"44\" y=\"190\" text-anchor=\"end\">0<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Return period<\/th><th scope=\"col\">Annual probability<\/th><th scope=\"col\">Gross loss<\/th><th scope=\"col\">Net loss<\/th><th scope=\"col\">Net, capital = 100<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Return period\">1 in 10<\/td><td data-label=\"Annual probability\">0.10<\/td><td data-label=\"Gross loss\">14<\/td><td data-label=\"Net loss\">10<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">10<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 50<\/td><td data-label=\"Annual probability\">0.02<\/td><td data-label=\"Gross loss\">33<\/td><td data-label=\"Net loss\">21<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">21<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 100<\/td><td data-label=\"Annual probability\">0.01<\/td><td data-label=\"Gross loss\">46<\/td><td data-label=\"Net loss\">27<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">27<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 250<\/td><td data-label=\"Annual probability\">0.004<\/td><td data-label=\"Gross loss\">68<\/td><td data-label=\"Net loss\">39<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">39<\/span><\/td><\/tr><tr><td data-label=\"Return period\">Average annual loss<\/td><td data-label=\"Annual probability\"><\/td><td data-label=\"Gross loss\">3.1<\/td><td data-label=\"Net loss\">2.2<\/td><td data-label=\"Net, capital = 100\">2.2<\/td><\/tr><\/tbody><\/table><\/div><\/div><figcaption class=\"nx-caption\"><span>Illustrative loss index for a example portfolio (capital = 100): the exceedance-probability form insurers and supervisors read. Not data on any institution, not a price or a rating.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><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\">The problem<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Why disaster costs become fiscal and financial crises.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Disasters impose costs on everyone at once. Homes, businesses, roads, schools and power lines are damaged together; incomes fall just as spending needs rise; tax revenues drop while governments are expected to fund relief, reconstruction and support for those without insurance. In many countries most disaster losses are uninsured, so the state becomes the insurer of last resort through implicit commitments that appear in no budget until the event occurs.<\/p><p class=\"nx-p\">How the bill is paid matters as much as its size. Money that arrives months after an event, through budget reallocations, emergency appeals or new borrowing, often arrives after households have sold assets, children have left school and small firms have closed. Delays raise the eventual cost of recovery. Large events can also strain public debt, weaken credit standing and force cuts to other spending, turning a physical shock into a fiscal and financial one that lasts for years.<\/p><p class=\"nx-p\">Disaster risk finance is the discipline of planning ahead: understanding the contingent liabilities a government or institution carries, deciding which risks to retain and which to transfer, arranging funds before they are needed, and linking money to clear plans for its use. It draws on actuarial science, public finance, development economics and decision analysis, and it depends on credible hazard and loss evidence.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"systemic\" aria-labelledby=\"nx-s-11\"><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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Where projects sit, and which layer protects them.<\/h2><p class=\"nx-lede\">Where development projects meet hazard and poverty, and which financing layer protects them. Hypothetical projects and design values.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"dfi-siting\" data-gl=\"sf:dfi-siting\" data-sf=\"dfi-siting\" data-sx-credit=\"Natural Earth (public domain) | relief: GEBCO 2020 Grid | hypothetical projects and design values\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | GEBCO Compilation Group (2020) GEBCO 2020 Grid (doi:10.5285\/a29c5465-b138-234d-e053-6c86abc040b9), relief ~ public domain, not for navigation ~ https:\/\/www.gebco.net\/data-products\/gridded-bathymetry-data | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"layers\" aria-label=\"Interactive map: ten hypothetical projects in Mozambique and Malawi over a design hazard and a poverty proxy, linked to a risk-layering diagram. The panel chooses a layer or a project.\" data-nx-zf=\"figure.b7eda7bae3ce.txt\" data-nx-zs=\"sha256-t+2nuuPO1\/my8zSGCr4obKyyv\/1XVy633eA0FBpW\/qg=\"><figcaption class=\"nx-fk-cap\"><span>Development projects in Mozambique and Malawi against hazard and poverty, with the financing layer that would protect each.<\/span><span data-honesty=\"true\">Hypothetical projects and design values; no country&#8217;s strategy is shown.<\/span><\/figcaption><\/figure><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"finance\" aria-label=\"What the platform does, Foundation and counterparts, Grounding\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"What the platform does, Foundation and counterparts, Grounding\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"true\" data-key=\"p1\">What the platform does<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-sec-foundation-and-counterparts\" aria-selected=\"false\" data-key=\"p2\">Foundation and counterparts<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p3\">Grounding<\/button><\/div><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-12\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><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\">What the platform does<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Shared understanding of preparedness, not transactions.<\/h2><p class=\"nx-lede\">Disaster Risk Finance builds shared understanding of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-layering\" data-tk=\"Nexus risk vocabulary\" data-td=\"Matching financing instruments to risk by frequency and severity: retaining frequent small losses, and transferring rarer large ones.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk layering<\/a>, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 contingent-liability\" data-tk=\"Nexus risk vocabulary\" data-td=\"An obligation that only becomes due if a particular event occurs, such as guarantees or disaster costs borne by the state.\" data-ts=\"NRS-C1\" data-tr=\"draft\">contingent liability<\/a> analysis and risk financing scenarios across the public sector, development institutions and the financial industry. It is a finance-instruments and fiscal-readiness community, not a disaster response organisation.<\/p><\/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=\"M16 20V4a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16\"\/><rect width=\"20\" height=\"14\" x=\"2\" y=\"6\" rx=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Dossiers<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Disaster finance dossiers<\/h3><p class=\"nx-p nx-mt-1\">Structured evidence on a country&#8217;s or sector&#8217;s disaster finance landscape, prepared as research for independent reviewers.<\/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=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Protection gap methods<\/h3><p class=\"nx-p nx-mt-1\">Methods for measuring the gap between economic losses and the finance available to cover them, including at sovereign level.<\/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\">Financing scenarios<\/h3><p class=\"nx-p nx-mt-1\">Scenarios that compare how different arrangements would perform across events, with assumptions stated.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval. Competition safeguards are designed and set out in a written policy.<\/p><\/div><\/div><\/section><section id=\"nx-sec-foundation-and-counterparts\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" data-variant=\"split\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><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\">Foundation and counterparts<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Grounded in quantitative methods, connected across three institutions.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">The platform applies <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/actuarial-math\/\">actuarial mathematics<\/a>, economics and development economics, decision analysis under uncertainty and forecasting and time-series analysis. It sits in four fields: <a class=\"nx-link\" href=\"https:\/\/therisk.global\/fields\/disaster\/\">disaster and crisis<\/a>, sovereign and public finance, development finance and insurance and catastrophe.<\/p><p class=\"nx-p\">The Global Centre for Risk and Innovation (GCRI) supplies hazard and resilience science at <a class=\"nx-link\" href=\"https:\/\/therisk.global\/climate-hazards\/\">Climate and Hazards<\/a> and Disaster Resilience and Recovery, and development analysis at Economic Development. Global Risks Forum (GRF) convenes governance at <a class=\"nx-link\" href=\"https:\/\/globalriskforum.com\/disaster-crisis-governance\/\">Disaster and Crisis Governance<\/a> and Capital Nexus. Within GRA, the platform works with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/\">Reinsurance and Catastrophe<\/a>, Public Finance and Sovereign Debt and the disaster risk finance readiness track. Research feeds the <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/series\/finance-insurance-readiness\/\">Finance and Insurance Readiness<\/a> and Portfolio and Readiness series, and the Universe theme <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 pre-arranged-finance\" data-tk=\"Nexus risk vocabulary\" data-td=\"Funds whose size, triggers and release are agreed before a shock, so money arrives quickly and predictably.\" data-ts=\"NRS-C1\" data-tr=\"draft\">pre-arranged finance<\/a> for <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 anticipatory-action\" data-tk=\"Nexus risk vocabulary\" data-td=\"Actions taken ahead of a predicted hazard, on the basis of a forecast or risk analysis, to prevent or reduce its humanitarian impacts before they fully unfold.\" data-ts=\"NRS-C1\" data-tr=\"draft\">anticipatory action<\/a> tests it in an exercise setting.<\/p><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-14\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Disaster Risk Finance rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Actuarial mathematics<\/span><span class=\"nx-chip\">Economics and development economics<\/span><span class=\"nx-chip\">Decision analysis under uncertainty<\/span><span class=\"nx-chip\">Forecasting and time-series analysis<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/\">See the STEM foundation of Disaster Risk Finance<\/a><\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"systemic\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Disaster Risk Finance works through six pillars of one annual programme, led by the Nexus Consortium, with GCRI, GRF and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/disaster-risk-finance\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/disaster-risk-finance\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/hazards\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/disaster-risk-finance\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/hazards-resilience\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/foundry\/\">Disaster Risk Finance in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/universe\/\">Disaster Risk Finance in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/hazards\/\">Hazards and Disaster Risk Reduction in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/reports\/\">Disaster Risk Finance in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Faculty of Hazards, Disasters and Resilience in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-5\" data-hue=\"finance\" aria-label=\"Frameworks, Consortium, Pages, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Frameworks, Consortium, Pages, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-1\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"true\" data-key=\"p1\">Frameworks<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-2\" aria-controls=\"nx-sec-consortium\" aria-selected=\"false\" data-key=\"p2\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-3\" aria-controls=\"nx-s-18-sec\" aria-selected=\"false\" data-key=\"p3\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-5-tab-4\" aria-controls=\"nx-s-19-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-16\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Frameworks<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\"><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/sendai-framework-alignment\/\">Sendai Framework<\/a> for Disaster <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-reduction\" data-tk=\"Nexus risk vocabulary\" data-td=\"Preventing new risk, reducing existing risk and managing residual risk, all contributing to resilience.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Risk Reduction<\/a><\/td><td data-label=\"Body\">UNDRR<\/td><td data-label=\"What it sets\">Priorities for investing in disaster risk reduction for resilience, including <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> and financial protection mechanisms<\/td><\/tr><tr><td data-label=\"Framework or standard\">Recommendation on Disaster Risk Financing Strategies<\/td><td data-label=\"Body\">OECD Council<\/td><td data-label=\"What it sets\">Principles for governments to assess financial exposure, plan and manage disaster costs across households, businesses and the public sector<\/td><\/tr><tr><td data-label=\"Framework or standard\">Disaster risk finance analytical framework and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-layering\" data-tk=\"Nexus risk vocabulary\" data-td=\"Matching financing instruments to risk by frequency and severity: retaining frequent small losses, and transferring rarer large ones.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk layering<\/a> approach<\/td><td data-label=\"Body\">World Bank and the Global Facility for Disaster Reduction and Recovery (GFDRR)<\/td><td data-label=\"What it sets\">A method for combining retained and transferred instruments by loss layer, with attention to timing and cost<\/td><\/tr><tr><td data-label=\"Framework or standard\">Global Shield against Climate Risks<\/td><td data-label=\"Body\">V20 and G7, with partners including the World Bank and GIZ<\/td><td data-label=\"What it sets\">Country-led packages of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 pre-arranged-finance\" data-tk=\"Nexus risk vocabulary\" data-td=\"Funds whose size, triggers and release are agreed before a shock, so money arrives quickly and predictably.\" data-ts=\"NRS-C1\" data-tr=\"draft\">pre-arranged finance<\/a> for climate and disaster risk in vulnerable countries<\/td><\/tr><tr><td data-label=\"Framework or standard\">InsuResilience pro-poor principles<\/td><td data-label=\"Body\">InsuResilience Global Partnership<\/td><td data-label=\"What it sets\">Principles for climate and disaster risk finance and insurance that reaches poor and vulnerable people<\/td><\/tr><tr><td data-label=\"Framework or standard\">Fiscal Transparency Code, fiscal risk pillar<\/td><td data-label=\"Body\">International Monetary Fund<\/td><td data-label=\"What it sets\">Disclosure and management of fiscal risks, including contingent liabilities from natural disasters<\/td><\/tr><tr><td data-label=\"Framework or standard\">Climate resilient debt clauses<\/td><td data-label=\"Body\">Model terms published with the International Capital Market Association, and in multilateral and bilateral loans<\/td><td data-label=\"What it sets\">Clauses that let a borrower defer debt service after a qualifying disaster<\/td><\/tr><tr><td data-label=\"Framework or standard\">Anticipatory action frameworks<\/td><td data-label=\"Body\">UN OCHA, the Central Emergency Response Fund and partners<\/td><td data-label=\"What it sets\">Pre-agreed triggers, financing and actions for humanitarian response before a forecast shock<\/td><\/tr><tr><td data-label=\"Framework or standard\">Disaster Response Emergency Fund rules<\/td><td data-label=\"Body\">International Federation of Red Cross and Red Crescent Societies (IFRC)<\/td><td data-label=\"What it sets\">Rapid funding for national societies, including a forecast-based action window<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" data-variant=\"stack\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Disaster Risk Finance links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/nexus-agency\/\"><span class=\"nx-dir-name\">Agency<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Development finance<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/climate-hazards\/\"><span class=\"nx-dir-name\">Climate and Hazards<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Disaster and crisis<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/disaster-resilience\/\"><span class=\"nx-dir-name\">Disaster Resilience and Recovery<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Disaster and crisis<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/economic-development\/\"><span class=\"nx-dir-name\">Economic Development<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Development finance<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/capital\/\"><span class=\"nx-dir-name\">Capital Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Development finance, Sovereign and public finance<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/disaster-crisis-governance\/\"><span class=\"nx-dir-name\">Disaster and Crisis Governance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Disaster and crisis<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-18\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">18<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-18\" class=\"nx-section-title\">Pages in Disaster Risk Finance.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Disaster Risk Finance<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-19-sec\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-19\" role=\"tabpanel\" data-band-tab=\"nx-band-5-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">19<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-19\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Disaster Risk Finance?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Disaster Risk Finance and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Disaster Risk Finance active?<\/summary><div class=\"nx-answer\">Disaster Risk Finance is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Can GRA help a government buy disaster insurance?<\/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, and readiness work is not approval. It studies how arrangements work so that governments and their independent advisers can understand them.<\/div><\/details><details><summary>Does the platform fund disaster response?<\/summary><div class=\"nx-answer\">No. It is not a disaster response or funding organisation. It studies how finance for disasters is prepared and governed.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Disaster Risk Finance<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Portfolio and Readiness<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/disaster-risk-finance#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a-p03\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a-p03\" class=\"nx-h3 nx-mt-2\">How Disaster Risk Finance works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a-p03\" data-nx-pe=\"nx-pe-a-p03\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Disaster Risk Finance<\/p><h2 class=\"nx-pe-title\">How Disaster Risk Finance works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/\" rel=\"noopener\">Disaster Risk Finance home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-alriskalliance-com-disaster-risk-finance-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-alriskalliance-com-disaster-risk-finance-h\" class=\"nx-h3 nx-mt-2\">Take part in Disaster Risk Finance.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Disaster Risk Finance platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-routes\" aria-controls=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-calls\" aria-controls=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-cell\" aria-controls=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-index\" aria-controls=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-routes\" aria-labelledby=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Disaster Risk Finance. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-calls\" aria-labelledby=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-cell\" aria-labelledby=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-alriskalliance-com-disaster-risk-finance-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alriskalliance-com-disaster-risk-finance-panel-index\" aria-labelledby=\"nx-tp-alriskalliance-com-disaster-risk-finance-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"systemic\" id=\"nx-grix-alriskalliance-com-disaster-risk-finance\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-alriskalliance-com-disaster-risk-finance-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-alriskalliance-com-disaster-risk-finance-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Disaster Risk Finance<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-globalriskalliance-com-disaster-risk-finance-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-disaster-risk-finance-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-disaster-risk-finance-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/systems\/nxs-aap\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Nxs-aap<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/disaster-risk-finance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Disaster risk finance<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><nav class=\"nx-deeper nx-hubs\" aria-labelledby=\"nx-deeper-globalriskalliance-com-disaster-risk-finance-hubs-h\" data-nx-hubs=\"6\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-disaster-risk-finance-hubs-h\">The same subject across the Consortium<\/h2><ul><li><a href=\"https:\/\/therisk.global\/disaster-resilience\/\" data-ext><span class=\"nx-deeper-k\">Science:<\/span> Disaster Resilience and Recovery<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskforum.com\/disaster-crisis-governance\/\" data-ext><span class=\"nx-deeper-k\">Policy:<\/span> Disaster and Crisis Governance<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/hazards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Hazards and Disaster Risk Reduction<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/hazards-resilience\/\" data-ext><span class=\"nx-deeper-k\">Learn:<\/span> Faculty of Hazards, Disasters and Resilience<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksindex.com\/series\/gs-08\/\" data-ext><span class=\"nx-deeper-k\">Index:<\/span> Global Disaster series<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/areas\/disaster-resilience\/\" data-ext><span class=\"nx-deeper-k\">Reports:<\/span> Disaster Resilience and Recovery in Reports<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-20\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Disaster Risk Finance<\/span><h2 id=\"nx-close-20\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-21\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-21\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Disaster Risk Finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Disaster Risk Finance and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. 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