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F5\/s9XCNR1uN\/AxTKs3WvWkdlU7cCiV5Zv5L+e+Iz8kNRstXuIBMKEoNJuW9iBEaiBD7GUrJUA8K54DZlvngEyrwjEkdxY4yR02YTXK5RtRVWEND6RpPmTI+ZAi50O\/cgcSQq4Bw6BQKsFvYE+WbGhpDJOInEljC5g7DH0mjmkzwx5b0QnTmsAs0b9QQYMnwLRFrUoOPbPsfIPzwCkoA6uJ7T8lig+dB0LIiZjRQ3YWOEmJn8WbklDLKd42uTG6\/2PkqThEnuDVQjspPSXyIyCIZ6WHPcxpkjF0PaaaB2cpqGcvpG0b3Gv212tvY2leAhYhsyjMeAgniT1C0rUaJms1Klur4UvWaoRXY8GoRwJNRgXuxaxB4k23GhVQO\/2mo2Z64Omq550LDa\/ghTvUDo\/HqZqTm3mYEQyHMWUfuLY43brM4MYVY+L6QrFEkDAdzsg477r3V6bf\/otKLrzB+gkMQEXuPULGOfR2h9oYUHkXn8YrgJTrT7OdwqmE2hinE2MgElIEgK\/XmxOSKk1P9GSWYi44bewjaZof1cY+isY+po3Neh+Fg+k5FQ1GcBTWtG3V23r9W7OJfzZ+40t4ctwEXUYRimJMrq+d6OnwzmlxfLiOwLjM+72Vp\/tnz6CKsOsOtdvOXjfZ6F31YHuht9408zqVz7JKuvq3QkN5oXEL0bPG+qcXGOtnmWAJqHGyR8gsAfqJRIdZ72TbXP8EopEd+L5QOnzO9GVFA33rMLXQZz9BP\/eUmuEZTpV0clYR\/T6lMTvx3QmnKBeRNcmUgKVftc9S\/fAZdFOZjy0\/06ePyaEj2nE+Gnvq0cgiTdM6ihKoWACVqGf1K07+Yw+p3VMtwitfS4\/2BduSEAYjw6aex0VvU8iDzIiCeZyOYUGa5uIoTMawkCsT9hZ9XjXueX28yj2Wcdox6PY916d8iLmjnyUq5g6A8l1v\/GxjUWUBaAGVSzph4AJKBTMaKdtEIi+AqsCyoi2WxRyFUYGCSrOwEDO2e+Myuev\/f9CTnJdHLTim+EJZ\/FhpPXfcGcLmY4VujblhJhoVC3H7IFhrAg\/KQQFJHzmhmOYs348KaWF8UzzmD9WofBC2FTnQCY0mUp3lk14PibEJv169VFnGbIT7elqSQTGlQ+WTU9WCg3A\/4\/GUNE2aHbhp4mbi92i\/1+orXKmgdCt6P4aWDzZHxfGWN9HsmzlFG5ENm485QEZiRa3n2rdUx1450yGSW\/6Zunl9h1YOnUd51K1XfI+EEOVE1pChDqp9XZz+u8af9Jrr1+gipBGrgUstnaM2kqsbVo5tgLAZ5gZW3m8M3ipVX+qo9nV62Prt36iN3tPFNK51meU7VuTEyQfTysHbw4UXIS6siKVgvmDLgmhOK5XkgvCxnd+HXP4YssaC\/4GdP6w\/SpHgL65hXwhNe+NXvBqS5CFXpPGrNO6Npcq9sQANfP1XaC55l7YqBI16683xtiCDV9AIWAJ5C418ncavm0cp1sBgMynrV30o5BYz+c6CkIyEKJOxKW4t1YXrGFjQ\/84Y+mMFp+OEASCfw4iylYieWQmL+I2Ij7veeiU3CG1EHFCtN5zkFgAfZYDPKhcg33pVCRKrBCReASR\/a0AhFXqafbqiOR+UMlSXWirhOytgUL5LPTqjnnSyxUYcei7T0BolgNky0IlK3ONKrXLwNa4fZEIL2D69IyshlV5yGAqJxWUD0U1DOoL1mqA4lHanBXk\/nQxopIVAU9OdssunJDn4gzsJlb4kcgd1xip6GCxyJxpu0+RcO6yjdg3Vtai36K\/XiAOjhuoLnBx2kbIiNznzTGYOLeg\/mBv29VovBVS5SbTGXR5AX1t21OHsNI13o17b12Ea7dLV4IU30lvDr9L99pTlls42ihMSH81Wd1fC\/Ua0\/ZNUkFWLHLBL\/6kJGVTu0ISEoa1CTThw+HuE\/IRXPxHfZFTzE0vLRo5LTB\/WKHXdlVNUaAmlGuUIoUPfQAY+p7++YBFM8YxApRyoZM9\/a1U1tzWWwuWKpdq72LZC0OwpTVW0tS1A\/i\/hm0LVVLR09CUtZ0iP8u5tCtgTx7YqIsyXpQqzdUmaJc09ONQjybfwLlAFU4b0vxWh06e7bS0AIY+OqO\/UjmsgB8kd09drFZ9YQmhouQlp6FLPkVstERvX62zXSbjkvdgsLaGDLyPsY0IrT5KS\/OS1VEfjEh1V5isAhsCp5wG718bbiqqd9D\/VsC\/qqIHqEch\/De7uArosaKxEwHfcSeZnyU\/QvGQ504fCyuER9FfdTCTvpjawbqkGyQOiyj+WmKfCiMYxWKcSEHSkKwmvUAYFLt\/KQhHGqTVrkw1QMEI\/xwj97eOxPEkNpoxBEIrJi6TmsKZZUiU\/Zl6gjJEgvGVr42WfV94u8CrUFgVTyaay+jatW\/C1WGSWCkYjtF6nL2oIrxbbJoqSTlWTaZi2Wz5dgdGwK8q+0yiyXL8RDIdiX45xpbtIrmziWVIWD6CUy\/yFczvOz+04jqDDfuX4\/e2Nkl\/scXFJE2lFyvqLCmw1owxbCSGjDvdoleLWCIxD5ZqSxFJpiSLpUtzlKKoiZ5mJLMK9tLWD3len3\/vq6Eb\/54OC5JHwBjj9CpFTjifKIkZ0ES4iaqYOpRbOteERLUoESwPhXqsv6JOEvJA+o8wbREdgxpFW5gXxpU2mqVNRJhE9kw\/ydT3RxCUiZp56j7QLAZFbcmGw4MJdUH6CBDEXr27JbTarr6dah2hfndUvG1zXOntfHYxhonrmRHKbwboLDcMRkCT0eUgupCo4VR+3dO2iMcQHoHLmw\/tMWg3+NQzmWqtxq\/8COiP1wLSojzTr58+4PoYx3h61AKhl6s2u3AP56j6gXkVxHrxa7usm2FMYBTaNY9cfSR77GLqx+MUiy6biJ+ei4ueEssi1RWUbgnX76XvwFxJO\/Z0dmmnVwS2iL1BQs0xBXeaGx0+rPX9bP51TBQlHPSk5maVExM1iDWAWpcSLzxgIxB14U28iqoSsUe6OzMYRjceB57SNw9dKFNoSHN2W7MhNR7\/kHqERTXXgLust2VYw2glUPFErnojoKtY7Yf1nJqKooU+fkb3yxj9JPp7xdRHU4iX2Vu4Ss9vPFCeKVWFwW4GE04Z6ukSNtrWpcpUR1Cc9hITE7zX7UtH+PnCoalJ+EuOekSe1ADfoC9dioV+YyTMJfwJDvvh4ndMjNHX1ff2p0n2bKydmuz8fvlLXawwDdYfaEyEkdVXbeOSJb7EnvArVETVTdjcjTXOWGaxnqbF+Bshiy2CGJ7zibwDIZYxOcv9sR6j1q8K8i3UWWtpHwr3TPrcYfq7bQn\/VIfJJeTUfjXSw\/zOjG0+kaT5lMHlKYfKkwuRPvBprfypWLAHOdLEhRENv4vrhK\/1EJONJ3e8UJV09751\/TF4WMXC409tCmES5w0UCkx2BAtz16ojM8OokVyc1sV13Ph5tj\/xn401CnAv1NmPtRHq8y2OKwhQFCR7BaYXbHHZa6JSje9oUnN03mxET+767w2FXQAzp3WLYx\/NG2C5+UXjzRTVD6qrEvdfUW32FvN+SpnmbLdotLNpFStlp7zZbuJJTat7nfL1WywuSJwd+x2eTH\/JnPuT8F4Di54yxlPTJz69MoYB405VRDRYtFRiYNfBoqtCaWCxyF+rJ9hwY1Tk7slIonHNGdU81i\/bOgbPx8+IucaTEL9WDZj121E35n8ekb2qX9TwmvFPlTxGZ9pLxg2NanDC6CyGHQBQI30FX3VsppeNUJm01FYcoGNMDOwqyXcqSbXrGSEB7D6xfNoRICk5cc6POMoYWY3Z0ls4yTlt0KTljvZiVnoBFU0JkcWnHpUcXacCMrKUqsKXzIa0Mf9gRoZeM9RHG+siOvHT2j3ysp1TzaO8xWYYpI8gH845BJwPqgPfvhKKMctxmsRjlAczJmGhjHIDfs+6r8ogwBbKcKVCa9Xu0r2R8Wa\/hRWp9L90KQvTwpeQBvgvtSPcXlIsc2yHwMZelcpH4W8S95JTKAaCzxGHUB79oPhUwveofYEbw+OkHI3TtwAuiRmxD8+2aY0WPONEDcicfRkRAVAb6KR9\/4lgGigBeoPOp8ymJ6u0gaAi1kcedL9O\/SiDbd+45fQ0WHy6UMSxalBbiqYyurAKRWRVMIuHk48oSE2FyFnI6zx4ymDrOcoGSEVAl2EYIDxoP4eRz6oi5iFba\/J34jXP1LMfJVcrKtdUG5GGhZGsO5ECFY3\/pXJIiMFk15BtigYSWIh0Azn0sjFPOv8HHKOCHTc7tq2pJqJRVVF1n+BJzdJerCrt2pzkeLOawqXbuAGkP42Vht1UQI16+wYLRyKO1VDO3wy2He+XsVCxCgZK1EgsFrvlbih2O5vm0G8+5lQPVa8vJrhzKLNdri5RRbLNJHca9ZP\/\/IU4u0MUfRHGk9LosiKwRR64rRifaNKUdDK9ELRAO\/oAdIPZnh\/8WGMt\/ilBONY7yj+ycdFkepa2CXXLIq1zyp3v+qTsO5r7wVkx113tXDK+KruAyaFg4g++i9ZKSzV0gQZFeM2xv0Nh6KVFWvOErp9eM0JVIDM\/yG8I5S03i9AdOlVEAng9L8L2JQ88C52Ofp0lA7iQMImbxQ4VgZA6tzLDBV5qLbTRK2OU4TdWRQuWy46RM+TLnoHP5o2MyL9Nl37vs7F2xzp5D83GyPK1WRQD+mEZB7ZhrbKTjMWhtIF1CmVhqU5\/u\/tpwwV+2skxkTXiXoJOoKEOLg+HRywyvblhZriY1LZO+f+S4sxonasK\/RkXcGrdPo1EUTENU42TAswaQnuQkDKkVWb5Na8FQBA2F1oii4yNBY2qAtSQxBdRSApFssppKU4gkFMfX8O3o64Go9nxbfJOWN\/XWih5\/oCW+x8tb6vL0NkpbXw8cd3a8D3h0w57f\/Pzwcdm5YhXomy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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n17uai2t.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\">Climate science for insurance hazard<\/h1><p class=\"nx-scene-lede\">Climate and atmospheric science explains how the hazards that drive <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 insured-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The part of economic loss that is covered by insurance.\" data-ts=\"NRS-C1\" data-tr=\"draft\">insured loss<\/a> are changing: storms, floods, heat, drought, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\">wildfire<\/a> and sea level. On this platform it supplies the hazard evidence and scenarios on which catastrophe models, stress tests and insurability studies are conditioned, with their uncertainty.<\/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\/stem\/\">Back to STEM foundation of Insurance Nexus<\/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\">Register<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Climate science for insurance hazard on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"workbench\"><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Method record<\/strong><\/span><span class=\"nx-eyebrow\">STEM method<\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-k\">Method<\/span><span class=\"nx-register-v\">Climate and atmospheric science<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Steward<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/climate-hazards\/\">Climate and Hazards<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Applied in<\/span><span class=\"nx-register-v\">Insurance Nexus<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Data<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-data\">5 inputs<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Checks<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-checks\">3 validation steps<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Canonical page<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\">STEM Commons<\/a><\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-application\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Application<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What climate and atmospheric science does here.<\/h2><p class=\"nx-lede\">Climate science studies the physical processes that govern the atmosphere, oceans, cryosphere and land surface over seasons to centuries. It provides the basis for understanding changes in hazard frequency and intensity that propagate through economic and social <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>. In insurance and catastrophe, climate and hazards and health and biosecurity, climate projections frame long-horizon scenarios for infrastructure, insurance, food systems and public finance. They allow correlated hazards across regions and sectors to be examined together. The canonical description is on <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\">the STEM Commons<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cols\"><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Climate-conditioned hazard catalogues<\/h3><p class=\"nx-p nx-mt-1\">Stochastic event sets for a peril are adjusted to reflect current or projected climate, using reanalysis trends and climate model ensembles, and the change in modelled loss is reported as a scenario.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><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><\/div><h3 class=\"nx-h3 nx-mt-2\">Supervisory climate stress scenarios<\/h3><p class=\"nx-p nx-mt-1\">Physical risk scenarios for stress tests are built from NGFS scenarios and emission pathways, translated into hazard changes by region and peril, with every assumption documented.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><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=\"M13 7 9 3 5 7l4 4\"\/><path d=\"m17 11 4 4-4 4-4-4\"\/><path d=\"m8 12 4 4 6-6-4-4Z\"\/><path d=\"m16 8 3-3\"\/><path d=\"M9 21a6 6 0 0 0-6-6\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Event footprints for claims and parametric triggers<\/h3><p class=\"nx-p nx-mt-1\">Reanalysis, radar and satellite observations give rapid event footprints that support claims triage and the index measurements on which parametric payouts depend.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" 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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">A parametric trigger, read on the map.<\/h2><p class=\"nx-lede\">How a storm crossing a trigger zone would set a payment. Real geography; synthetic storm and design terms.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"parametric-cyclone\" data-gl=\"sf:parametric-cyclone\" data-sf=\"parametric-cyclone\" data-sx-credit=\"Natural Earth (public domain) | relief: GEBCO 2020 Grid | synthetic storm and design terms\" 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=\"compare\" aria-label=\"Interactive map: a synthetic tropical cyclone passing Jamaica, with a trigger zone coloured by modelled wind. The panel steps the storm and shows whether the illustrative trigger is met.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>A tropical cyclone passing Jamaica, read against two ways of triggering a payment.<\/span><span data-honesty=\"true\">Synthetic storm and design terms, not a policy or a price.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/stem\/climate-science\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Data, Monitor, Validation\"><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=\"Data, Monitor, Validation\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-data\" aria-selected=\"true\" data-key=\"p1\">Data<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-5-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-sec-checks\" aria-selected=\"false\" data-key=\"p3\">Validation<\/button><\/div><section id=\"nx-sec-data\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-4\" 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\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Data<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">What the method consumes.<\/h2><p class=\"nx-lede\">Datasets and records used by climate and atmospheric science on this platform, with the role each plays and the label its values carry. Sources are listed in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/research\/sources\/\">the source register<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Data<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Data\">ERA5 reanalysis<\/td><td data-label=\"Role\">Historical hazard climatology<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Data\">CMIP6 climate projections<\/td><td data-label=\"Role\">Future hazard scenarios<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Data\">NOAA and national station records<\/td><td data-label=\"Role\">Observed extremes<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Copernicus Emergency Management Service maps<\/td><td data-label=\"Role\">Event footprints<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Data\">NGFS scenarios<\/td><td data-label=\"Role\">Reference supervisory scenarios<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"data\" data-nxf-kind=\"data\" data-nxf-resource=\"nexus:\/\/gra\/A01\/stem\/climate-science\/#data\" data-nxf-title=\"Method record\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A01\/stem\/climate-science\/#evidence\" data-nxf-title=\"Evidence\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-5-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-5\" 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\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Monitor<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Forecast verification.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this method: 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-insurance-method-forecast\" data-cx=\"insurance.method-forecast\" data-variant=\"section\" aria-label=\"Forecast verification: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Forecast verification<\/h3><p class=\"nx-fk-sub\">Insurance \u00b7 Climate science for insurance \u00b7 Run R-5095<\/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=\"met\"><i aria-hidden=\"true\"><\/i>Skill above reference<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Insurance Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Forecast with range<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Forecast with range\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-insurance-method-forecast-c0\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Observed|ink|l||0:42.6;1:47;2:48.1;3:45.9;4:45.1;5:42.8;6:43.2;7:41.9;8:36.7;9:32.6;10:31.6;11:32;12:32.4;13:36~Forecast median|acc|l||13:36;14:37.1;15:38.2;16:39.3;17:40.4;18:41.5;19:42.6;20:43.7;21:44.8;22:45.9;23:47~80 pct range, upper|s3|l||13:36;14:39.300000000000004;15:42.6;16:45.9;17:49.2;18:52.5;19:55.800000000000004;20:59.10000000000001;21:62.4;22:65.7;23:69~80 pct range, lower|s3|l||13:36;14:35.1;15:34.2;16:33.3;17:32.4;18:31.5;19:30.6;20:29.700000000000003;21:28.799999999999997;22:27.9;23:27\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kv\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Method card<\/h4><\/div><\/div><dl class=\"nx-fk-dl\"><div><dt>Method<\/dt><dd>Climate and atmospheric science<\/dd><\/div><div><dt>Reference<\/dt><dd>climatology<\/dd><\/div><div><dt>Lead times<\/dt><dd>1 to 6 steps<\/dd><\/div><div><dt>Label<\/dt><dd><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>MODELLED<\/span><\/dd><\/div><\/dl><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Verification by lead time<\/h4><p class=\"nx-fk-panel-sub\">held-out period<\/p><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-insurance-method-forecast-t2\"><table class=\"nx-fk-table\" data-fk-table=\"cx-insurance-method-forecast-t2\" aria-label=\"Verification by lead time\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Lead<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">CRPS<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Brier score<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Skill vs reference<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">State<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-insurance-method-forecast:r2-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>T+2<\/td><td data-num=\"true\" data-sv=\"0.29\">0.29<\/td><td data-num=\"true\" data-sv=\"0.25\">0.25<\/td><td data-num=\"true\" data-sv=\"0.13\">0.13<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Skilful<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-method-forecast:r2-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>T+4<\/td><td data-num=\"true\" data-sv=\"0.42\">0.42<\/td><td data-num=\"true\" data-sv=\"0.11\">0.11<\/td><td data-num=\"true\" data-sv=\"0.27\">0.27<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Skilful<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-method-forecast:r2-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>T+6<\/td><td data-num=\"true\" data-sv=\"0.24\">0.24<\/td><td data-num=\"true\" data-sv=\"0.26\">0.26<\/td><td data-num=\"true\" data-sv=\"0.19\">0.19<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Skilful<\/span><\/td><\/tr><tr data-fk-key=\"cx-insurance-method-forecast:r2-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>T+8<\/td><td data-num=\"true\" data-sv=\"0.2\">0.20<\/td><td data-num=\"true\" data-sv=\"0.1\">0.10<\/td><td data-num=\"true\" data-sv=\"0.24\">0.24<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Skilful<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Forecast verification: the screen&#8217;s structure, terms and states for Insurance.<\/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-sec-checks\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-6\" 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\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Validation<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How results are checked.<\/h2><p class=\"nx-lede\">Models are evaluated against observed climatology, historical trends and paleoclimate records. Multi-model comparison and process-based diagnostics expose structural differences.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Check<\/th><th scope=\"col\">How it is done<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Check\">Historical reproduction<\/td><td data-label=\"How it is done\">Conditioned hazard catalogues must reproduce observed hazard statistics in the calibration period before any projection<\/td><\/tr><tr><td data-label=\"Check\">Ensemble spread<\/td><td data-label=\"How it is done\">Results are reported across climate models and scenarios, never from a single model<\/td><\/tr><tr><td data-label=\"Check\">Downscaling validation<\/td><td data-label=\"How it is done\">Regional hazard from downscaled projections is compared with local observations before it enters a loss model<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note nx-mt-3\">Projections depend on emission pathways and on parameterised processes such as clouds and convection. Regional detail and changes in rare extremes carry wide uncertainty.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"finance\" aria-label=\"Loss model, Connections\"><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, Connections\"><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-connections\" aria-selected=\"false\" data-key=\"p2\">Connections<\/button><\/div><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-7\" 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\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Loss model<\/span><\/div><h2 id=\"nx-s-7\" 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. The map on this page shows The Gulf of Mexico coast; the model itself is not tied to a place.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-insurance-nexus-stem-climate-science-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-insurance-nexus-stem-climate-science-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\/insurance-nexus\/foundry\/\">Insurance Nexus 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\/insurance-nexus\/universe\/\">Insurance Nexus 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\/finance\/\">Finance, Insurance and the Economy 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\/insurance-nexus\/reports\/\">Insurance Nexus 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\/finance-economics\/\">Faculty of Finance and Economics 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-connections\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"split\" aria-labelledby=\"nx-s-8\" 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\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connections<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Topics that rely on this method.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/topics\/property-and-casualty\/\"><span>Property and casualty<\/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:\/\/globalriskalliance.com\/insurance-nexus\/topics\/insurance-protection-gaps\/\"><span>Insurance protection gaps<\/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:\/\/globalriskalliance.com\/insurance-nexus\/topics\/climate-and-nature-risk\/\"><span>Climate and nature risk<\/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><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"health\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-9\"><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\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Trace a shock in climate science for insurance hazard 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\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/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-stem-climate-science-A01\" 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\/hazards\/hydrometeorological-hazard-standards\/\" 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\/hazards\/wildfire-and-vegetation-fire-standards\/\" data-tc=\"NHS-1 eco.wildfire.wildfire\" data-tk=\"Land and ecosystems \u00b7 Vegetation and peat fire\" data-td=\"An uncontrolled fire in forest, scrub or grass that burns structures, crops and habitat and fills the air with smoke.\" data-ts=\"NRS-H24\" data-tr=\"draft\">Wildfire<\/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><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h4\" data-tc=\"NHS-1 atmo.precipitation.heavy-rain\" data-tk=\"Atmosphere and weather \u00b7 Precipitation extremes\" data-td=\"Rain falling fast or long enough to overwhelm drainage, soils and streams and to trigger floods and slope failures.\" data-ts=\"NRS-H4\" data-tr=\"draft\">Intense rainfall<\/a> (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><\/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\/insurance-and-reinsurance\/\">Insurance and reinsurance<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/banking\/\">Banking<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/development-finance-institutions\/\">Development finance institutions<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/humanitarian\/humanitarian-sector-standards\/\">Humanitarian and civil society<\/a> <span class=\"nx-ns-sub\">Coupling<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/water-food\/agriculture-sector-standards\/\">Agriculture and land use<\/a> <span class=\"nx-ns-sub\">Coupling<\/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-F3<\/code> Insurance, catastrophe risk and protection gaps<\/li><li><code>NRS-H113<\/code> Hazard family: Financial-system fragility (NHS-1 soc.financial-system)<\/li><li><code>NRS-U17<\/code> <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a> platform profile: Insurance Nexus<\/li><li><code>NRS-H71<\/code> Hazard family: Deep-time and cosmic catastrophes (NHS-1 planet.deep-time)<\/li><li><code>NRS-H65<\/code> Hazard family: Planetary boundary transgressions (NHS-1 planet.boundary)<\/li><li><code>NRS-F8<\/code> Parametric and index-based risk transfer<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>OECD Data Explorer (incl. Creditor Reporting System, insurance and pension statistics) (listed for reference)<\/li><li>Insurance statistics (listed for reference)<\/li><li>USGS earthquake GeoJSON summary feeds (listed for reference)<\/li><li>Direct economic loss attributed to disasters in relation to global gross domestic product (GDP)<\/li><li>Direct economic loss attributed to disasters in relation to global gross domestic product<\/li><li>(a) Number of commercial bank branches per 100,000 adults and (b) number of automated teller machines (ATMs) per 100,000 adults<\/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>Carbon monoxide, smoke transport (AIRS), 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=\"Stewardship, Exposure, loss and capital, Connected, 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=\"Stewardship, Exposure, loss and capital, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"true\" data-key=\"p1\">Stewardship<\/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-s-12-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-4\" aria-controls=\"nx-s-13-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-stewardship\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-10\" 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\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stewardship<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who maintains the method.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/climate-hazards\/\">Climate and Hazards<\/a> stewards climate and atmospheric science for the Consortium and reviews how it is applied across platforms.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\">Canonical page: Climate and atmospheric science<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-11\" 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\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What climate science for insurance hazard 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=\"1\"><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 climate science for insurance hazard 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-s-12-sec\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-12\" 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\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/climate-hazards\/stem\/climate-science\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Steward platform<\/span><span class=\"nx-dest-host\"><abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr><\/span><\/span><span class=\"nx-dest-title\">Climate science for hazards<\/span><span class=\"nx-dest-why\">Climate and Hazards stewards this method.<\/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><\/div><\/section><section id=\"nx-s-13-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What are the limits of climate and atmospheric science in this field?<\/summary><div class=\"nx-answer\">Projections depend on emission pathways and on parameterised processes such as clouds and convection. Regional detail and changes in rare extremes carry wide uncertainty.<\/div><\/details><details><summary>How are results checked?<\/summary><div class=\"nx-answer\">Models are evaluated against observed climatology, historical trends and paleoclimate records. Multi-model comparison and process-based diagnostics expose structural differences.<\/div><\/details><details><summary>Are the values on this page real?<\/summary><div class=\"nx-answer\">The data names, roles and checks are real descriptions of practice. The canvas shows a design of the method&#8217;s use, not a run; no result is reported here.<\/div><\/details><details><summary>Where else is this method applied?<\/summary><div class=\"nx-answer\">The <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\">canonical method page<\/a> lists every platform that applies it.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"climate\" 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. 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