Climate Change 2001:
Working Group II: Impacts, Adaptation and Vulnerability
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Figure 15-6: Ratio of property/casualty insurance premiums to catastrophe losses. This measure of exposure ranges from 180:1 in 1974 to 52:1 in 1999, with a minimum value of 27:1 in 1992 (the year of Hurricane Andrew). For Canada, the high value is 161:1 in 1990, and the low value is 37:1 in 1999. U.S. premiums are from AM Best and insured natural catastrophe loss figures are from Property Claims Service (Kunreuther and Roth, 1998). Canadian premiums are from Insurance Bureau of Canada (2000) and losses are from Emergency Preparedness Canada (2000). Note that premiums include revenues from nonweather-related business segments.

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