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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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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-ny3l21ue.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-ny3l21ue.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-ny3l21ue.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-ny3l21ue.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-ny3l21ue.nxe :where(ul,ol){padding-left:20px}#nxe-ny3l21ue.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-ny3l21ue.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-ny3l21ue.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-ny3l21ue.nxe svg{display:none}#nxe-ny3l21ue.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-ny3l21ue.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-ny3l21ue.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 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\">Climate and atmospheric science for reinsurance and catastrophe<\/h1><p class=\"nx-scene-lede\">Climate science explains how warming changes the hazards that drive catastrophe loss. In reinsurance it supplies observed trends, attribution and projections used to condition catalogues and test the sensitivity of loss to climate.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/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\/reinsurance-catastrophe\/stem\/\">Back to STEM foundation of Reinsurance and Catastrophe<\/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 and atmospheric science for reinsurance and catastrophe on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><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\">Reinsurance and Catastrophe<\/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\">3 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 disaster and crisis, 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\">Conditioning event frequencies<\/h3><p class=\"nx-p nx-mt-1\">Frequencies of heavy rainfall or intense cyclones are adjusted using observed trends and climate model ensembles, and the effect on modelled loss is reported.<\/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\">Scenario stress for capital<\/h3><p class=\"nx-p nx-mt-1\">NGFS and IPCC scenarios are translated into hazard changes for stress tests and ORSA analysis.<\/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=\"M2 12s3-7 10-7 10 7 10 7-3 7-10 7-10-7-10-7Z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Reading attribution studies<\/h3><p class=\"nx-p nx-mt-1\">Event attribution results are explained with their confidence, as context for reviewing recent loss experience.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"systemic\" 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\/A-P02\/stem\/climate-science\/#map\" data-nxf-title=\"Reinsurance and Catastrophe 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, Loss model, 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, Loss model, 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-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Loss model<\/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\" 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\/reinsurance-catastrophe\/research\/sources\/\">the source register<\/a>.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">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\">Baseline climate<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Data\">CMIP6 projections<\/td><td data-label=\"Role\">Future scenarios<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Data\">IPCC assessments<\/td><td data-label=\"Role\">Assessed changes<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"data\" data-nxf-kind=\"data\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/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\/A-P02\/stem\/climate-science\/#evidence\" data-nxf-title=\"Evidence\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-ns-layout=\"es-wide\" 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\">Loss model<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Loss exceedance, average annual loss and probable maximum loss.<\/h2><p class=\"nx-lede\">The loss a portfolio in the footprint can expect per year and at the 1 in 100 and 1 in 250 levels that insurers and lenders price, from the same three blocks every <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 catastrophe-model\" data-tk=\"Nexus risk vocabulary\" data-td=\"A model combining a stochastic hazard event set, exposure and vulnerability functions to estimate the distribution of losses from rare, severe events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">catastrophe model<\/a> uses. Teaching model with stated illustrative values, not a prediction. 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-surance-catastrophe-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-surance-catastrophe-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\/reinsurance-catastrophe\/foundry\/\">Reinsurance and Catastrophe 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\/reinsurance-catastrophe\/universe\/\">Reinsurance and Catastrophe 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\/reinsurance-catastrophe\/reports\/\">Reinsurance and Catastrophe 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-checks\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" data-variant=\"stack\" 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\" data-lv=\"ledger\"><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 catalogues reproduce observed statistics first<\/td><\/tr><tr><td data-label=\"Check\">Ensemble spread<\/td><td data-label=\"How it is done\">Results span several climate models<\/td><\/tr><tr><td data-label=\"Check\">Confidence stated<\/td><td data-label=\"How it is done\">IPCC confidence language accompanies each change<\/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 id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"finance\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Trace a shock 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-A-P02\" 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-2\" data-hue=\"climate\" aria-label=\"Connections, Exposure, loss and capital, Stewardship\"><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, Exposure, loss and capital, Stewardship\"><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-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"false\" data-key=\"p3\">Stewardship<\/button><\/div><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-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">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\/reinsurance-catastrophe\/topics\/protection-gaps\/\"><span>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\/reinsurance-catastrophe\/topics\/climate-and-natcat\/\"><span>Climate and natural catastrophe<\/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-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-9\" 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\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">What it 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 and atmospheric science for reinsurance and catastrophe grow with severity, gross and net of reinsurance, against capital.<\/p><div class=\"nx-au-cols\"><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Exceedance probability curve, gross and net loss by return period\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"50\" y1=\"186\" x2=\"540\" y2=\"186\"\/><line class=\"nx-au-ax\" x1=\"50\" y1=\"16\" x2=\"50\" y2=\"186\"\/><path class=\"nx-au-ln\" d=\"M50 156.3l163.3-40.4 163.4-27.6 163.3-46.8\"\/><path class=\"nx-au-ac\" d=\"M50 164.8l163.3-23.4 163.4-12.8 163.3-25.5\"\/><text class=\"nx-au-t\" x=\"50\" y=\"202\" text-anchor=\"middle\">1 in 10<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"50.0\" cy=\"164.8\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"213.33\" y=\"202\" text-anchor=\"middle\">1 in 50<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"213.3\" cy=\"141.4\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"376.67\" y=\"202\" text-anchor=\"middle\">1 in 100<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"376.7\" cy=\"128.6\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"540\" y=\"202\" text-anchor=\"middle\">1 in 250<\/text><circle class=\"nx-au-nd nx-au-nd-ac\" cx=\"540.0\" cy=\"103.1\" r=\"3.5\"\/><text class=\"nx-au-t\" x=\"534\" y=\"33.5\" text-anchor=\"end\">gross<\/text><text class=\"nx-au-t\" x=\"526\" y=\"129.13\" text-anchor=\"end\">net of reinsurance<\/text><text class=\"nx-au-t\" x=\"44\" y=\"20\" text-anchor=\"end\">80<\/text><text class=\"nx-au-t\" x=\"44\" y=\"190\" text-anchor=\"end\">0<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Return period<\/th><th scope=\"col\">Annual probability<\/th><th scope=\"col\">Gross loss<\/th><th scope=\"col\">Net loss<\/th><th scope=\"col\">Net, capital = 100<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Return period\">1 in 10<\/td><td data-label=\"Annual probability\">0.10<\/td><td data-label=\"Gross loss\">14<\/td><td data-label=\"Net loss\">10<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">10<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 50<\/td><td data-label=\"Annual probability\">0.02<\/td><td data-label=\"Gross loss\">33<\/td><td data-label=\"Net loss\">21<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">21<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 100<\/td><td data-label=\"Annual probability\">0.01<\/td><td data-label=\"Gross loss\">46<\/td><td data-label=\"Net loss\">27<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">27<\/span><\/td><\/tr><tr><td data-label=\"Return period\">1 in 250<\/td><td data-label=\"Annual probability\">0.004<\/td><td data-label=\"Gross loss\">68<\/td><td data-label=\"Net loss\">39<\/td><td data-label=\"Net, capital = 100\"><span class=\"nx-au-num\">39<\/span><\/td><\/tr><tr><td data-label=\"Return period\">Average annual loss<\/td><td data-label=\"Annual probability\"><\/td><td data-label=\"Gross loss\">3.1<\/td><td data-label=\"Net loss\">2.2<\/td><td data-label=\"Net, capital = 100\">2.2<\/td><\/tr><\/tbody><\/table><\/div><\/div><figcaption class=\"nx-caption\"><span>Illustrative loss index for a example portfolio (capital = 100): the exceedance-probability form insurers and supervisors read. Not data on any institution, not a price or a rating.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-stewardship\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-10\" 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\">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><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-tone=\"alt\" data-hue=\"climate\" aria-label=\"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=\"Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-s-11-sec\" aria-selected=\"true\" data-key=\"p1\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-s-12-sec\" aria-selected=\"false\" data-key=\"p2\">Questions<\/button><\/div><section id=\"nx-s-11-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-11\" 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\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-11\" 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-12-sec\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" aria-labelledby=\"nx-s-12\" 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\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-12\" 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=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><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\">Reinsurance and Catastrophe<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Methods and Technical<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/reinsurance-catastrophe\/stem\/climate-science#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-com-reinsurance-catastrophe-stem-climate-science-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-com-reinsurance-catastrophe-stem-climate-science-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-com-reinsurance-catastrophe-stem-climate-science-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/scenarios\/storm-surge\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Coastal storm surge<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-13\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Reinsurance and Catastrophe<\/span><h2 id=\"nx-close-13\" 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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