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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 Reinsurance and Catastrophe<\/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\">Financial discipline overview<\/h1><p class=\"nx-scene-lede\">Catastrophe risk management sits where natural science, engineering, statistics and finance meet. Reinsurers and insurers use it to decide how much risk to hold, how much capital they need and how to share risk with others. This page describes the discipline as research, not execution: what experts study and why it matters for <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 systemic-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk that the failure or disruption of parts of an interconnected system propagates through its dependencies to impair the functioning of the whole, often beyond the sector or place where it began. It arises from\u2026\" data-ts=\"NRS-C1\" data-tr=\"draft\">systemic risk<\/a>.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/sector\/risk-transmission\/\">Open Financial-system transmission <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\/reinsurance-catastrophe\/\">Back to Reinsurance and Catastrophe<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>8<\/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>11<\/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-sec-the-discipline\" class=\"nx-section\" data-hue=\"finance\" 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\">The discipline<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">What catastrophe risk research studies.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">The discipline studies the frequency and severity of extreme events, using <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/mathematics\/extreme-value\/\">extreme value theory and tail risk<\/a>; the response of buildings and infrastructure to hazards, using structural and <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> engineering; the financial terms of insurance and reinsurance, using actuarial mathematics; and the uncertainty in all of these, using uncertainty quantification and model validation.<\/p><p class=\"nx-p\">Its central tool is the <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>, which simulates many possible events, estimates damage and applies policy terms to produce loss distributions. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/topics\/catastrophe-models\/\">catastrophe models<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" 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\">Geography<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Activity and exposure in the Gulf of Mexico coast.<\/h2><p class=\"nx-lede\">Night lights, population density and flood water over the Gulf of Mexico coast, from NASA GIBS. Each layer carries its own date.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"gulf-coast:finance\" data-ml-points=\"on\" data-ml-feeds=\"eonet|https:\/\/eonet.gsfc.nasa.gov\/api\/v3\/events\" data-ml-src=\"finance\" data-ml-plan=\"p-c0cb4b71\" data-ml-view=\"2d\" data-ml-ctx=\"theme:finance\" data-ml-list=\"gibs.energy.ntl gibs.health.people gibs.water.flood gibs.health.lstd gibs.energy.fires gibs.water.imerg ev.eonet ev.usgs r.hbase r.dnb r.labels\" data-ml-tools=\"inspect measure aoi export\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-98,24,-80,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, the Gulf of Mexico coast: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,people||||\" aria-pressed=\"false\">People and floods<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,ntl||||\" aria-pressed=\"false\">Floods and lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"nW\/(cm\u00b2 sr)\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.ntl\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS Black Marble (VNP46A2) (NASA LAADS DAAC)<\/dd><dt>Provider<\/dt><dd>NASA LAADS DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite radiance, corrected for moonlight and atmosphere<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite night-time radiance for the date shown; lights are a proxy for electricity use and outages, not a measurement of supply or access.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"CC BY 4.0\" data-wm-unit=\"people\/km\u00b2\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.people\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>Gridded Population of the World v4.11 (NASA SEDAC (CIESIN, Columbia University))<\/dd><dt>Provider<\/dt><dd>NASA SEDAC (CIESIN, Columbia University)<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener noreferrer\">CC BY 4.0<\/a><\/dd><dt>Vintage<\/dt><dd>null; Census-based estimate, static (2020)<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Census-based estimate of people per square kilometre in 2020, shown as exposure context; not a count of people affected by any hazard.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed (clouds leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.flood\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS Global Flood Product (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite detection; clouds leave gaps. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"\u00b0C\">Observed (persistent cloud still leaves gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.lstd\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (persistent cloud still leaves gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 Level 3, 8-day (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>8-day; Satellite 8-day composite; persistent cloud still leaves gaps<\/dd><dt>Newest at build<\/dt><dd>2026-09-14<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite skin temperature of the ground over the 8 days ending on the date shown, a heat exposure indicator; not air temperature, heat index or a heat warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"MW\">Observed (clouds and overpass timing leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.fires\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds and overpass timing leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 375 m (FIRMS) (NASA LANCE FIRMS)<\/dd><dt>Provider<\/dt><dd>NASA LANCE FIRMS<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds and overpass timing leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-13<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite hot-spot detections for the day shown, including gas flares and industrial heat; not a confirmed fire, an incident report or a warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"imerg\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-short=\"Precipitation\" data-wm-prov=\"NASA GES DISC\" data-wm-kind=\"Satellite estimate, near real time\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Precipitation rate, daily mean<\/span><span class=\"nx-wm-layer-src\">NASA GES DISC GPM IMERG \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"NASA open data\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"imerg\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.imerg\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>GPM IMERG (NASA GES DISC)<\/dd><dt>Provider<\/dt><dd>NASA GES DISC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite estimate, near real time<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 2 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite estimate, near real time. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"NxAjSJ6JoGGZsXu22d+kvA4nR9AJ6Njy+\/Xy2FIyELw=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\" aria-valuemin=\"0\" aria-valuemax=\"30\" aria-valuenow=\"30\" aria-valuetext=\"Latest available\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>Activity and exposure, framed on the Gulf of Mexico coast.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date. They are indicators, not assessments of any place.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">\u00a9 OpenStreetMap contributors<\/a> \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 U.S. Geological Survey \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.7927\/H49C6VHW\" rel=\"noopener\">doi:10.7927\/H49C6VHW<\/a>. <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gpm.imerg\">GPM IMERG precipitation, NASA Precipitation Processing System; distributed by the NASA Goddard Earth Sciences Data and Information Services Center (GES DISC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). Cite as: NASA\/METI\/AIST\/Japan Spacesystems and U.S.\/Japan ASTER Science Team (2019). ASTER Global Digital Elevation Model V003. <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.5067\/ASTER\/ASTGTM.003\" rel=\"noopener\">doi:10.5067\/ASTER\/ASTGTM.003<\/a>. <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li><\/li><li>Live events: NASA Earth Observatory Natural Event Tracker (EONET); events are indicative and keep their original source links.<\/li><li>Live: NASA EONET Events are indicative, not authority warnings.<\/li><li>Live: U.S. Geological Survey Events are indicative, not authority warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>NASA GIBS: We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS).<\/li><li>Optional layers (5 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a> \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Active fires and thermal anomalies: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>Precipitation rate, daily mean: GPM IMERG, NASA GES DISC \u00b7 <span data-wm-date=\"imerg\">12 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/sector\/#map\" data-nxf-title=\"Reinsurance and Catastrophe live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"systemic\" aria-label=\"Market structure, Monitor, Why it matters, Research, not execution\"><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=\"Market structure, Monitor, Why it matters, Research, not execution\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-pg-nx-gra-ap02-se\" aria-selected=\"true\" data-key=\"p1\">Market structure<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-4-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-why-it-matters\" aria-selected=\"false\" data-key=\"p3\">Why it matters<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-research-not-execution\" aria-selected=\"false\" data-key=\"p4\">Research, not execution<\/button><\/div><section id=\"nx-sec-pg-nx-gra-ap02-se\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" data-variant=\"split\" aria-labelledby=\"nx-s-3\" 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\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Market structure<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">How catastrophe risk is shared.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Layer<\/th><th>Who carries it<\/th><th>Typical instrument<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Layer\">Primary retention<\/td><td data-label=\"Who carries it\">Insurers and self-insured owners<\/td><td data-label=\"Typical instrument\">Deductibles, retentions<\/td><\/tr><tr><td data-label=\"Layer\">Reinsurance<\/td><td data-label=\"Who carries it\">Reinsurers<\/td><td data-label=\"Typical instrument\">Excess of loss, quota share, aggregate covers<\/td><\/tr><tr><td data-label=\"Layer\">Retrocession<\/td><td data-label=\"Who carries it\">Reinsurers&#8217; reinsurers and capital markets<\/td><td data-label=\"Typical instrument\">Retro programmes, industry loss warranties<\/td><\/tr><tr><td data-label=\"Layer\">Capital markets<\/td><td data-label=\"Who carries it\">Investors in insurance-linked securities<\/td><td data-label=\"Typical instrument\">Catastrophe bonds, collateralised reinsurance<\/td><\/tr><tr><td data-label=\"Layer\">Public and pooled<\/td><td data-label=\"Who carries it\">Governments and sovereign pools<\/td><td data-label=\"Typical instrument\">Parametric covers, public reinsurance schemes<\/td><\/tr><\/tbody><\/table><\/div><\/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-2\"><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\">Monitor<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Field overview.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this subject: 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-cat-field\" data-cx=\"cat.field\" data-variant=\"section\" aria-label=\"Field overview: illustrative console with example names and values\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>Field overview: the screen&#8217;s structure, terms and states for Reinsurance and catastrophe.<\/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-why-it-matters\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-5\" 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\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Why it matters<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Catastrophe risk shapes who can recover after disasters.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"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\">Recovery<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Funding reconstruction<\/h3><p class=\"nx-p nx-mt-1\">Insurance claims fund rebuilding; where protection is missing, recovery is slower. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/topics\/protection-gaps\/\">protection gaps<\/a>.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Solvency<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Insurer resilience<\/h3><p class=\"nx-p nx-mt-1\">Underestimated catastrophe exposure can threaten insurer solvency.<\/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=\"M21.54 15H17a2 2 0 0 0-2 2v4.54\"\/><path d=\"M7 3.34V5a3 3 0 0 0 3 3v0a2 2 0 0 1 2 2v0c0 1.1.9 2 2 2v0a2 2 0 0 0 2-2v0c0-1.1.9-2 2-2h3.17\"\/><path d=\"M11 21.95V18a2 2 0 0 0-2-2v0a2 2 0 0 1-2-2v-1a2 2 0 0 0-2-2H2.05\"\/><circle cx=\"12\" cy=\"12\" r=\"10\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Diversification<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Global risk sharing<\/h3><p class=\"nx-p nx-mt-1\">Reinsurance spreads regional catastrophe losses across the global market.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-research-not-execution\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-6\" 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\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Research, not execution<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How the platform approaches the discipline.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>It studies methods, data and evidence; it does not underwrite, price or place risk.<\/li><li>It examines model behaviour and uncertainty, in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/topics\/model-validation\/\">model validation<\/a>.<\/li><li>It studies accumulation and system-wide exposure, in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/topics\/aggregate-accumulation\/\">aggregate accumulation<\/a>.<\/li><li>It examines how changing hazards affect models, in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/topics\/climate-and-natcat\/\">climate and natural catastrophe<\/a>.<\/li><\/ul><p class=\"nx-note nx-mt-3\">This page is general research for professional understanding. It is not underwriting, pricing, investment or legal advice, and it does not recommend any model, product or counterparty.<\/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=\"Connections, Sources, 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=\"Connections, Sources, Pages, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-connections\" aria-selected=\"true\" data-key=\"p1\">Connections<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p2\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p3\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-s-10-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-connections\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" 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\">Connections<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">How the discipline links to other fields.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Hazard science comes from GCRI platforms such as <a class=\"nx-link\" href=\"https:\/\/therisk.global\/climate-hazards\/\">Climate and Hazards<\/a> and Oceans and Coasts. Public disaster finance is studied by GRA&#8217;s <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/\">Disaster Risk Finance<\/a>. Transmission into the wider financial system is set out in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/sector\/risk-transmission\/\">financial-system transmission<\/a>.<\/p><p class=\"nx-p\">The field gateways for <a class=\"nx-link\" href=\"https:\/\/therisk.global\/fields\/insurance\/\">insurance and catastrophe<\/a>, climate and hazards and disaster and crisis list every Consortium platform working on these subjects.<\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"stack\" 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\">Sources<\/span><\/div><h2 id=\"nx-s-8\" 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:\/\/www.artemis.bm\/deal-directory\/\"><span>Artemis catastrophe bond and ILS deal directory<\/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.ccrif.org\/\"><span>CCRIF SPC parametric policy documentation<\/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-9-sec\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><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\">Pages<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Pages in Financial discipline overview.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/sector\/risk-transmission\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial-system transmission<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><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\">Questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Is catastrophe modelling only for insurers?<\/summary><div class=\"nx-answer\">No. Governments, development institutions and others use similar models. The platform focuses on the insurance system&#8217;s use of them.<\/div><\/details><details><summary>Does the platform build catastrophe models?<\/summary><div class=\"nx-answer\">No. It studies how models work and how they are validated, as shared industry research.<\/div><\/details><details><summary>Why is uncertainty so important?<\/summary><div class=\"nx-answer\">Because catastrophe losses lie in the tail of the distribution, where data are sparse and estimates are most uncertain.<\/div><\/details><details><summary>Which perils does the discipline cover?<\/summary><div class=\"nx-answer\">Natural perils such as tropical cyclones, earthquakes, floods, severe convective storms and wildfire, and the secondary effects of each. Man-made catastrophes are related but outside this platform&#8217;s core scope.<\/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. 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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 nx-deeper-band\" aria-labelledby=\"nx-deeper-lriskalliance-com-reinsurance-catastrophe-sector-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-lriskalliance-com-reinsurance-catastrophe-sector-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lriskalliance-com-reinsurance-catastrophe-sector-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/standards\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Nexus Standards<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><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-11\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Reinsurance and Catastrophe<\/span><h2 id=\"nx-close-11\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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