2025年气候和自然灾难洞察报告

Table of Contents What We Learned35Atlantic Hurricanes Highlight Underinsuranceand the Importance of Adaptation36Global Flood Events Revealed Contrastsin Preparedness Level40Population Growth and UrbanizationContinue to Drive Increasing Losses43Severe Convective Storms and Shingle Roofs:A Growing Challenge46Historic Year for Canadian (Re)insurance48Critical Climate Resilience Considerationsfor Infrastructure Assets51Evacuation Planning Critical for LimitingHuman Casualties53The Links Between Climate and Catastrophes542024: The Hottest Year on Record Exceeds1.5°C above the Pre-Industrial Levels55Prolonged Extreme Heatwaves IncreasinglyAffect Human Health57Observing 2023 – 2024 Events ThroughClimate Oscillations58Tropical Cyclone Activity in 202460Atlantic Hurricane Season Ends asHyperactive After a Slow Start63Climate Attribution Studies Emphasizethe Role of Adaptation65 How This Report Helps Organizations Thrive6 Global Economic Losses Above Average,Driven by Weather-Related Disasters9 Additional Report Details106 References107 Economic Loss$368B14 percent above the21st century average Insured Loss$145B54 percent above the21st century average 1.55°C/2.79°Ftemperature anomaly in 2024 comparedto pre-industrial period (1850 – 1900),marking the warmest year on record (WMO) 243 fatalities in the third-deadliest U.S.hurricane of the 21st century,causing $75 billion in economic losses Spain, Brazil,UAE, Vietnam 34 54 15 consecutive months of record-highglobal temperatures betweenJuly 2023 and August 2024 billion-dollar economic lossevents, above the average of 44 billion-dollar insured loss events,above the average of 16 recorded their costliest insurance events 20 78% countries and territories that recordedtheir highest temperatures $61Bglobal insured losses from SCS,the second-highest on record 18,100fatalities driven by heatwavesand floods, lowest since 1992 Executive SummaryTropicalCyclone peril with the highest economic losses;severe convective storms was the mostdamaging peril for insurers Insured losses reach $145 billion in the sixth-costliest year on record as global events show that adaptationand disaster preparedness can mitigate damage and loss of life in the current and future climate. The global protection gap was relatively low at 60 percent— with 40 percent of damage being covered by insurance.The gap has decreased from 69 percent in 2023.However, notable differences between regions and perilremained and providing affordable and sustainableinsurance products will be crucial to enhance financialresilience in the future. Economic Losses Were Above Average Due toWeather Disasters weather prediction, crisis management and disasterpreparedness. While this is a positive development,continued improvements are still needed even incountries that are better positioned to deal withdisasters due to their economic development level. Global natural disasters in 2024 resulted in economiclosses reaching at least $368 billion and were primarilydriven by tropical cyclones, severe convective stormsand floods. The single most devastating event wasHurricane Helene, which is estimated to have causedapproximately $75 billion in direct damage, mainly dueto inland and coastal flooding. Global losses surpassed$300 billion for the ninth time in a row and were 14percent higher than the long-term average. Someterritories suffered a disproportionate impact relativeto their economic output, such the island of Mayottefrom Cyclone Chido. 2024 Was the Hottest Year on Record For the first time, global temperature anomaly in2024 exceeded 1.5°C above the pre-industrial levels.This not only manifested itself in heatwaves and recordtemperatures around the world, but also in continuedimpact on severity and frequency of various perils.This underscores the need for reliable climate dataand analytics to accurately assess the impact onpeople and property. Socioeconomic Factors Continue to Drive Losses Increase in population, wealth and overall exposureto natural hazards in high-risk areas continues to bea crucial component of growing disasters losses. Forexample, staggering development in hurricane-proneFlorida or spatial growth of U.S. cities in areas regularlyaffected by severe convective storm (SCS) activityincreases the likelihood of billion-dollar disasters.Many regions continued to suffer from impacts ofinflation and other economic factors. For example,the increase in building construction costs seen inCanada in recent years, coupled with shortage ofskilled labor and supply chain disruptions, have drivenup the costs of rebuilding efforts. 2024 was the Sixth-Costliest Year for Insurers Adaptation and Disaster Preparedness Can MitigateDamage and Create More Resilient Communities Executive SummaryThe costliest events for insurers were two Atlantichurricanes — Helene and Milton — which are expectedto result in losses of approximately $37.5 billion,including public insurance from the National FloodInsura