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      Risks posed by natural disasters

      Economic losses caused by natural catastrophes are trending upwards

      Each year across the world, natural catastrophes destroy assets running into multiple billions. Often, only a tiny proportion of this damage is insured. While the insurance gap has diminished in recent years in industrialised countries, there is still a considerable gulf in developing and emerging countries. It is often the case there that individuals and companies affected by a catastrophe have to carry on regardless and are forced to rely on donations from their own country or abroad.

      US$ bn
      Total losses as a result of natural disasters since 1980 - More than 70% of this total was not insured

      Insurers seeking to assess extreme risks and develop new insurance solutions must have in-depth knowledge of the risks involved and?of?the factors that affect those risks.

      As such, research into the scientific correlations and analysis of the relevant high-level data are essential elements when assessing the trends and risks associated with natural hazards.

      Nearly five decades of research into natural disasters

      When it became apparent back in the 1970s that overall and insured losses from natural disasters were increasing, Munich Re was quick to identify that greater expertise was required in this area. Since then, experienced?scientists and insurance specialists have been analysing and assessing the entire spectrum of natural hazards, including cyclones, severe thunderstorms, floods, earthquakes and volcanic eruptions.

      Working in close collaboration with our risk management specialists and a global network of experts and research institutions,?we?at Munich Re ensure that our risk analyses always reflect the latest scientific findings. These analyses form the basis of our risk models and the range of natural hazard products that we offer to our customers, and allow us to develop innovative insurance solutions.

      More widespread insurance coverage helps people, companies and entire economies get back on their feet more quickly when a catastrophe event happens.
      Joachim Wenning
      Munich Re

      Losses from natural disasters

      Earthquakes, storms, floods and?droughts?— the number of recorded loss events resulting from natural disasters has been increasing for some years now. Causing?overall?losses of US$ 210bn, the?costliest?natural disaster of all time is the Tohoku earthquake, which occurred in Japan on 11 March 2011. In terms of insured losses, the costliest?natural disaster to date is Hurricane Katrina, which hit New Orleans in August 2005 and?cost insurers a total of?US$ 60.5bn (original values).?

      Natural catastrophes on the rise - Number of relevant loss events by peril 1980–2018

      High share of natural catastrophe losses remains uninsured

      Back in the early 1980s, only around a quarter of losses resulting from natural disasters were insured, even in highly developed industrialised countries. Even today, less than half of?all?losses are covered. However, the situation in developing and emerging countries has not improved at all in decades:?the proportion of?insured?losses is still well below?10% and often enough almost zero.?More widespread insurance coverage could therefore help to put emerging countries in particular in a better position to withstand the economic shock that follows natural disasters. In addition to making significant contributions to research in this area, Munich Re is also developing innovative insurance solutions — both independently and in collaboration with non-governmental organisations (NGOs), partners in the public sector and supranational organisations. We also apply our expertise to developing preventive measures and contributing to empowerment projects.

      Natural disasters caused overall losses of almost US$ 5,000bn since 1980

      Meteorological events dominate both overall ...

      ... and insured losses from natural catastrophes

      The challenge: Turning science into underwriting

      Munich Re identifies and analyses risks and changing or emerging hazards?from?natural events?which are triggered by?natural and man-made climate variability. It also investigates?hazards that are not yet sufficiently mapped in current risk models.?Our aim is to accurately assess the loss potential of natural hazards and to harness information about changes at an early stage, with a view to benefiting both our in-house risk management team and our?clients.


      2017 was a wake-up call. After a number of relatively benign years, natural disasters caused overall losses of US$ 340bn. Insurers had to pay out a record US$ 138bn in losses.
      Contact our experts
      Ernst Rauch
      Global Head Climate & Public Sector Business Development
      Chief Climate and Geo Scientist
      Alexander Allmann
      Geophysicist and earthquake expert
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