Modeling insured catastrophe losses : a global perspective for 2025

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      <subfield code="a">Historical and average losses --  Contribution to global insured AAL by peril for all regions -- Gap between insured and total economic losses -- Comparison of insured losses exceeding $1 billion by peril between 2015-2019 and 2020-2024  </subfield>
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      <subfield code="a">Verisk's 2025 report on globally modeled catastrophic losses highlights how the risk of natural disasters has significantly increased in recent years. It estimates that the average annual insured losses (AAL) from natural catastrophes reach $152 billion, reflecting a new reality for the insurance industry, where events such as severe storms, wildfires, floods, and winter storms account for nearly two-thirds of that total. The report emphasizes the importance of advanced risk models to effectively manage these challenges, proposing strategies such as the use of accurate property data, detailed geocoding, and constant updates of replacement values</subfield>
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