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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n8js5ugw.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n8js5ugw.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n8js5ugw.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n8js5ugw.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n8js5ugw.nxe :where(ul,ol){padding-left:20px}#nxe-n8js5ugw.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n8js5ugw.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n8js5ugw.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n8js5ugw.nxe svg{display:none}#nxe-n8js5ugw.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n8js5ugw.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n8js5ugw.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 Insurance Nexus<\/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\">Analysis and uncertainty<\/h1><p class=\"nx-scene-lede\">Insurance risk is measured with two families of method that answer different questions: experience-based actuarial techniques that read a portfolio&#8217;s own history, and catastrophe models that simulate events no portfolio has yet seen. This page compares them, shows where each fails, and explains why non-stationary hazards force insurers to show trend-adjusted and historical views side by side.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\">Make an enquiry <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\/insurance-nexus\/research\/\">Back to Professional research<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" 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><div><span class=\"nx-lv-rail-k\">01<\/span><span class=\"nx-lv-rail-t\">Draft<\/span><span class=\"nx-lv-rail-n\">sources cited, labels attached<\/span><\/div><\/li><li><div><span class=\"nx-lv-rail-k\">02<\/span><span class=\"nx-lv-rail-t\">Evidence check<\/span><span class=\"nx-lv-rail-n\">every value traced<\/span><\/div><\/li><li><div><span class=\"nx-lv-rail-k\">03<\/span><span class=\"nx-lv-rail-t\">Independent review<\/span><span class=\"nx-lv-rail-n\">conflicts declared<\/span><\/div><\/li><li><div><span class=\"nx-lv-rail-k\">04<\/span><span class=\"nx-lv-rail-t\">Edition<\/span><span class=\"nx-lv-rail-n\">published with its limits<\/span><\/div><\/li><li><div><span class=\"nx-lv-rail-k\">05<\/span><span class=\"nx-lv-rail-t\">Correction<\/span><span class=\"nx-lv-rail-n\">a new version, never a silent edit<\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-2\"><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\">Methods<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The methods in use.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/actuarial-math\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Actuarial mathematics<\/span><span class=\"nx-mledger-role\">Loss reserving with development triangles \u00b7 Experience rating and credibility<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/actuarial-math\/\" aria-label=\"Canonical \u00b7 STEM Commons: Actuarial mathematics\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/extreme-value\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Extreme value theory and tail risk<\/span><span class=\"nx-mledger-role\">Large-loss pricing for excess layers \u00b7 Tail measures for solvency capital<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/extreme-value\/\" aria-label=\"Canonical \u00b7 STEM Commons: Extreme value theory and tail risk\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Frequency and severity modelling \u00b7 Bayesian updating of assumptions<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Canonical \u00b7 STEM Commons: Probability and statistics\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/climate-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Climate and atmospheric science<\/span><span class=\"nx-mledger-role\">Climate-conditioned hazard catalogues \u00b7 Supervisory climate stress scenarios<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\" aria-label=\"Canonical \u00b7 STEM Commons: Climate and atmospheric science\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">05<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Exposure enrichment from imagery \u00b7 Fraud and claims triage \u00b7 Fairness testing of pricing models<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Canonical \u00b7 STEM Commons: Artificial intelligence and machine learning\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><\/div><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"search\" data-nxf-kind=\"search\" data-nxf-resource=\"nexus:\/\/gra\/A01\/research\/methods\/#search\" data-nxf-title=\"Search publications\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-a01-me-actuarial\" class=\"nx-section\" data-hue=\"health\" aria-labelledby=\"nx-s-3\"><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\">Actuarial and catastrophe methods<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Actuarial and catastrophe methods, side by side.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Method<\/th><th>Strength<\/th><th>Limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method\">Experience rating and credibility<\/td><td data-label=\"Strength\">Uses the portfolio&#8217;s own loss record<\/td><td data-label=\"Limit\">Fails for rare perils and changing hazard<\/td><\/tr><tr><td data-label=\"Method\">Catastrophe modelling<\/td><td data-label=\"Strength\">Simulates many events, including ones never observed<\/td><td data-label=\"Limit\">Vulnerability curves and event-set assumptions dominate uncertainty<\/td><\/tr><tr><td data-label=\"Method\">Generalised linear models for pricing factors<\/td><td data-label=\"Strength\">Transparent rating structures<\/td><td data-label=\"Limit\">Assume a stable relationship between factors and loss<\/td><\/tr><tr><td data-label=\"Method\">Extreme value theory<\/td><td data-label=\"Strength\">Principled tail estimation from limited data<\/td><td data-label=\"Limit\">Sensitive to threshold choice and non-stationarity<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/research\/methods\/#evidence\" data-nxf-title=\"Evidence records\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-4\"><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\">Process<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">How the process runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-launch\" id=\"explore-nx-pe-ipcc-risk\" data-kind=\"explorer\" data-js><div class=\"nx-launch-row\"><div class=\"nx-launch-text\"><p class=\"nx-launch-eb\">Process explorer \u00b7 Process<\/p><h3 class=\"nx-launch-t\" id=\"explore-nx-pe-ipcc-risk-t\">Analysis and uncertainty: Hazard, exposure, vulnerability<\/h3><p class=\"nx-launch-facts\"><span>10 steps<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>4 stages<\/span><\/p><\/div><button type=\"button\" class=\"nx-launch-open\" aria-expanded=\"false\" aria-controls=\"explore-nx-pe-ipcc-risk-body\" data-open-label=\"Open explorer\" data-close-label=\"Close explorer\"><svg class=\"nx-launch-i nx-launch-play\" viewBox=\"0 0 14 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 1v12L13 7z\"\/><\/svg><svg class=\"nx-launch-i nx-launch-x\" viewBox=\"0 0 14 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m2.5 2.5 9 9m0-9-9 9\"\/><\/svg><span>Open explorer<\/span><\/button><\/div><div class=\"nx-launch-body\" id=\"explore-nx-pe-ipcc-risk-body\" role=\"region\" aria-labelledby=\"explore-nx-pe-ipcc-risk-t\" tabindex=\"-1\"><div class=\"nx-pe\" id=\"nx-pe-ipcc-risk\" data-nx-pe=\"nx-pe-ipcc-risk\" data-active=\"ipcc-risk\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Process<\/p><h2 class=\"nx-pe-title\">Analysis and uncertainty: Hazard, exposure, vulnerability<\/h2><p class=\"nx-pe-cap\">In IPCC AR6 Working Group II, climate risk results from interactions between hazards and a system&#8217;s exposure and vulnerability, and responses can add risk.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Drivers<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Hazard<\/span><span class=\"nx-pe-k\">Dataset \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The potential occurrence of a natural or human-induced physical event or trend that may harm people, property, services or ecosystems.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Exposure<\/span><span class=\"nx-pe-k\">Dataset \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The presence of people, livelihoods, species, ecosystems, infrastructure or assets in places and settings that could be adversely affected.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Sensitivity<\/span><span class=\"nx-pe-k\">Dataset \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The degree to which a system or species is affected, either adversely or beneficially, by <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 climate-variability\" data-tk=\"Nexus risk vocabulary\" data-td=\"Fluctuations of the climate around its average state at all time scales beyond individual weather events, including modes that recur over seasons to decades.\" data-ts=\"NRS-C1\" data-tr=\"draft\">climate variability<\/a> or change.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Capacity to cope and adapt<\/span><span class=\"nx-pe-k\">Dataset \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The ability of <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>, institutions, humans and other organisms to adjust to damage, take opportunities or respond to consequences.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Assessment<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Risk from responses<\/span><span class=\"nx-pe-k\">Component \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">Risks from climate responses arise when responses miss their objectives, or from trade-offs or negative side effects.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Vulnerability<\/span><span class=\"nx-pe-k\">Component \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The propensity or predisposition to be adversely affected. It includes sensitivity to harm and lack of capacity to cope and adapt.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Risk<\/span><span class=\"nx-pe-k\">Model \u00b7 Insurance Nexus<\/span><span class=\"nx-pe-sm\">Risk results from dynamic interactions between hazards and the system&#8217;s exposure and vulnerability. Each may be uncertain and change.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Response<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Risk management and response<\/span><span class=\"nx-pe-k\">Step \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">Risk management is plans, actions, strategies or policies that reduce the likelihood or size of adverse consequences.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">09<\/span><span class=\"nx-pe-st\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 residual-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk that remains after controls, mitigation and transfer have been applied. It must be known, owned and either accepted or further treated.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Residual risk<\/a><\/span><span class=\"nx-pe-k\">Record \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The climate impact risk that remains after adaptation and mitigation efforts. Adaptation can redistribute risk between areas and groups.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Decision<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">10<\/span><span class=\"nx-pe-st\">Decision by the responsible party<\/span><span class=\"nx-pe-k\">Decision \u00b7 Supervisor<\/span><span class=\"nx-pe-sm\">The framing names no single decision maker. Decisions on responses rest with the responsible party under its own rules.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span>Outline of an external standard or method, from its public sources. It describes what the framework says, not a record of any run. It does not show that Nexus or any partner performs, certifies or approves a step. A gate is a step of the method, never a Nexus approval.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"Non-stationarity, Uncertainty, Sources, 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=\"Non-stationarity, Uncertainty, Sources, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-pg-nx-gra-a01-me-climate\" aria-selected=\"true\" data-key=\"p1\">Non-stationarity<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-uncertainty\" aria-selected=\"false\" data-key=\"p2\">Uncertainty<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p3\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-s-8-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-pg-nx-gra-a01-me-climate\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-5\" 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\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Non-stationarity<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">When the past is a biased sample.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Loss histories assume the hazard that produced them still applies. Where warming changes the frequency or intensity of a peril, historical burning cost becomes biased. Insurance Nexus methods therefore separate a trend-adjusted hazard view from the observed history and show both. The actuarial treatment continues at <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/topics\/climate-adjusted-pricing\/\">Actuarial and Quantitative Risk<\/a>; the climate science at the Global Centre for Risk and Innovation (GCRI) climate projections.<\/p><\/div><\/div><\/section><section id=\"nx-sec-uncertainty\" class=\"nx-section nx-band-panel\" data-hue=\"health\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\" 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\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Uncertainty<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How uncertainty is reported.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"timeline\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">State assumptions<\/h3><p class=\"nx-p nx-mt-1\">Each analysis lists its assumptions and the data it depends on.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Quantify where possible<\/h3><p class=\"nx-p nx-mt-1\">Ranges and confidence are reported alongside central estimates.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Validate and compare<\/h3><p class=\"nx-p nx-mt-1\">Models are checked against observations and, where possible, against other models.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Publish limits<\/h3><p class=\"nx-p nx-mt-1\">What an analysis cannot show is stated beside what it can.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" 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\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Where this page&#8217;s references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/oasislmf.org\/\"><span>Oasis Loss Modelling Framework (open-source catastrophe modelling)<\/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-link\" href=\"https:\/\/www.ipcc.ch\/assessment-report\/ar6\/\"><span>IPCC AR6 Working Group I and II assessments<\/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><\/section><section id=\"nx-s-8-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><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\">Questions<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Are the methods open?<\/summary><div class=\"nx-answer\">Method descriptions are public on the STEM Commons. Code and data follow their own licences and access terms, listed in the source register.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"health\" 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\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> 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\">Insurance Nexus<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Global Sector Risk and Resilience<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/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\/insurance-nexus\/research\/methods#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. 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