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Posted by: thepinetree on 01/10/2019 11:01 AM Updated by: thepinetree on 01/10/2019 11:03 AM
Expires: 01/01/2024 12:00 AM

Camp Fire Losses Top $16 Billion as Extreme Storms, Wildfires and Droughts Cause Heavy Natural Catastrophe Losses in 2018 According to Munich RE

Munich, Germany...Eventful second half of the year contributes to high overall loss figure of US$ 160bn. Half of these losses were insured. Loss burden for insurers substantially higher than the long-term average. Notably, there are clear indications of the influence that man-made climate change has had on devastating wildfires in California, which, like last year, again caused billions in losses in 2018.

“2018 saw several major natural catastrophes with high insured losses. These included the unusual phenomenon of severe tropical cyclones occurring both in the US and Japan while autumn wildfires devastated parts of California. Such massive wildfires appear to be occurring more frequently as a result of climate change. Action is urgently needed on building codes and land use to help prevent losses. Given the greater frequency of unusual loss events and the possible links between them, insurers need to examine whether the events of 2018 were already on their models’ radar or whether they need to realign their risk management and underwriting strategies.”

Overall losses of US$ 160bn were above the inflation-adjusted average for the last 30 years (US$ 140bn). This year’s losses were below the extremely high losses of 2017, which had totalled US$ 350bn and were due mainly to record hurricane losses.

At US$ 80bn, insured losses were substantially above the inflation-adjusted average for the last 30 years (US$ 41bn), but below last year’s record figures (US$ 140bn).

Regrettably, some 10,400 people lost their lives in 2018 as a result of natural catastrophes. Compared with the average of 53,000 over the past 30 years, however, a decrease can be seen. This long-term trend is a clear indication that, from a global perspective, measures to protect human life are starting to take effect.

The deadliest disaster of 2018 was a seven-metre tsunami that took the Indonesian city of Palu by surprise on 28 September following an earthquake nearby. Thousands of buildings were destroyed and some 2,100 people were killed. A further tsunami hit coastal regions of Sumatra and Java – islands of Indonesia – on the evening of 22 December. The metre-high tidal wave is thought to have been caused by an underwater landslide triggered by an eruption of the Anak Krakatau volcano. Since existing tsunami early-warning systems only respond to earthquakes, the metre-high wave caught inhabitants unawares. At least 400 people died.

The most expensive natural catastrophes occurred in the US: The costliest events were “Camp Fire”, a wildfire in northern California with overall losses of US$ 16.5bn and insured losses of US$ 12.5bn, and Hurricane Michael (overall losses of US$ 16bn, and insured losses of US$ 10bn).

The sustained drought which caused substantial agricultural losses and many wildfires was Europe’s costliest natural disaster of the year. Direct losses came to US$ 3.9bn (€3.2bn), with only a small proportion of these losses insured. Low water levels on many rivers lasting well into the autumn impacted river traffic and thus also freight transport and the economy.

Worst-ever wildfire season in California – for the second year running

In the autumn, California saw the most damaging wildfires in US history. In early November, the Camp Fire more or less completely destroyed the small town of Paradise in the foothills of the Sierra Nevada about 140 km north of Sacramento. Drought and strong winds helped to fuel the fire, and hilly terrain and limited access routes made it more difficult to put the fire out. On 8 November, authorities ordered the evacuation of the area’s approximately 27,000 residents. Despite this, 86 people were killed. Thousands of homes and cars were gutted by fire. The region has always been threatened by wildfire but had never experienced anything as large or as violent as this. The Camp Fire alone caused overall losses of US$ 16.5bn, with US$ 12.5bn in insured losses, making it the costliest natural catastrophe of the year.

At about the same time, the Woolsey Fire broke out in the Los Angeles area and mainly left its mark in the hills of the celebrity town of Malibu. Around 1,600 houses were destroyed. Due to the high values of the homes involved, overall losses came to US$ 5.2bn, with around US$ 4bn in insured losses. All in all, wildfires in California contributed losses totalling US$ 24bn to the overall 2018 nat cat loss burden, with US$ 18bn of this insured.

Ernst Rauch, head of Climate and Geosciences at Munich Re:
“Our data shows that the losses from wildfires in California have risen dramatically in recent years. At the same time, we have experienced a significant increase in hot, dry summers, which has been a major factor in the formation of wildfires. Many scientists see a link between these developments and advancing climate change. This is compounded by man-made factors such as burgeoning settlements in areas close to forests at risk from wildfire. The casualties and losses are immense, and measures to prevent fires and damage are vital. Insurers also need to take account of the rising losses in their risk management and pricing.”

Hurricanes in the US cause one-fifth of overall losses worldwide
From a global perspective, the 2018 cyclone season will be seen as statistically unusual: tropical cyclone activity levels in the world’s different ocean basins usually varies from one place to another in intensity and frequency. This year, however, named tropical storms in all northern-hemisphere ocean basins outnumbered the long-term average. Prominent among these was the high number of typhoons that hit Japan and the two direct hurricane strikes on the US mainland. In total, cyclones worldwide caused above-average overall losses of US$ 56bn. Approximately half of the losses were insured.

Following a relatively quiet start to the North Atlantic season, a flurry of hurricane activity took off in early September. El Niño conditions that normally help to suppress hurricane activity developed too late to inhibit the 2018 season. The costliest event was Hurricane Michael, which reached the US mainland on 10 October on the northwest Florida coast. With wind speeds of 250 km/h, it is the fourth-strongest storm ever to hit the US. The overall loss is estimated at US$ 16bn. Given the extensive wind damage from Hurricane Michael, insured losses came to US$ 10bn as storm cover is widespread in the US both in the private and commercial-industrial sectors.

By contrast, the share of insured losses was much lower from Hurricane Florence, which had hit the North Carolina coast just three weeks earlier. This is because most of the losses caused by Florence were due to flooding caused by Florence’s torrential rains, and insurance against flood damage is much less widespread in the US than windstorm coverage: estimated insured losses of US$ 5bn out of a total of US$ 14bn in overall losses. It would certainly make sense to have higher insurance density against flood losses given that studies have shown the influence of climate change on torrential rainfall events on the Gulf of Mexico coast, such as Hurricane Harvey in 2017.

Japan hit by an unusually high number of natural catastrophes
In 2018 Japan suffered at the hands of both weather-related disasters and geophysical natural catastrophes: A number of typhoons and two earthquakes caused billions in losses.

The typhoon season saw a total of seven storms hit or skirt the islands of Japan in 2018. Five of the storms made landfall or came very close to land with typhoon strength and brought with them torrential rainfall. The development of a particular variant of the climate oscillation El Niño, the central Pacific El Niño, caused circulation conditions that significantly increased the likelihood of a typhoon directly hitting the Japanese mainland. The severest storm was Typhoon Jebi with overall losses of US$ 12.5bn and insured losses of around US$ 9bn, making it one of the costliest typhoons in Japan’s history.

Torrential rainfall in July brought major flooding, especially in the Hiroshima area. Some parts saw as much as almost 2,000 millimetres (litres per square metre) of rain in just 10 days. In total, 11 prefectures were affected by floods and landslides, mostly in the southwest of the main island of Honshu. Losses from the flooding alone amounted to US$ 9.5bn, of which US$ 2.4bn was insured.

Weather-related catastrophes aside, two earthquakes in Japan also caused losses of US$ 9bn in total and insured losses of nearly US$ 2bn. Thanks to the strict building standards in Japan, damage was limited.

The Philippines were hit by Super Typhoon Mangkhut (Ompong) with wind speeds of up to 270 km/h. Despite hundreds of thousands of people being evacuated, about 100 people lost their lives in this (highest) Category 5 tropical storm. Despite the high number of casualties, this event actually showed that early warnings and timely evacuation measures can help to avoid tragedies such as that caused by Typhoon Haiyan in 2013 with its more than 6,000 fatalities.

In Europe, a long, hot and exceptionally dry summer caused billions in losses, especially in agriculture. Following a long winter, spring soon saw summer-like temperatures in large parts of Europe. Many countries had virtually no rain for several months. Cereals and field crops ripened too early, and fodder for livestock became scarce in many regions. In some places, there were partial or even complete crop losses. Rivers had too little water and prices for commodities such as petrol and diesel drastically increased after ships were unable to carry full loads until as late as the autumn. This also negatively impacted many companies, which were not covered against such weather fluctuations. In Scandinavia, the drought led to violent wildfires.

The droughts caused direct losses of US$ 3.9bn (€3.2bn), which does not include indirect losses through lost production or high commodity prices. Only a fraction of these losses was covered (US$ 280m, €230m), as in many countries farmers only take out insurance against individual perils, usually hail. As agriculture is likely to suffer even greater effects of climate change, such as longer droughts, multi-peril insurance systems that also cover drought would certainly make sense. However, these can only work with co-financing from the public sector. Some countries, for example the US, have already introduced successful systems of this kind. Schemes co-financed by the government also exist in some EU countries, where drought is now an insurable risk.

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No Subject
Posted on: 2019-01-10 11:43:40   By: Anonymous
"....clear indications of the influence that man-made climate change. "


Far fewer acres burned this decade than in the 1930's in California.

A combination of gross mismanagement by CA and US forestry, combined with large numbers of people moving into the wildland interface is what generates the dollar losses.

[Reply ]

    Posted on: 2019-01-10 15:53:12   By: Anonymous
    Happening on both coasts. Many New Englanders with ocean side property are now being dropped for their long time insurers because of flooding and hurricanes. Yes, the earth has always changed by its documented science that we humans are contributing to it speeding up.

    [Reply ]

    Posted on: 2019-01-10 15:55:09   By: Anonymous
    Please stop with the black and white thinking. All are contributing to the devastation and climate change is real. We address it for what it is or more and more of our fellow Americans will be affected as well as future generations.

    [Reply ]

      Re: Veritas
      Posted on: 2019-01-10 19:57:01   By: Anonymous
      The cult of man-caused climate change is a religion of Communism.

      [Reply ]

        Re: Veritas
        Posted on: 2019-01-10 21:12:14   By: Anonymous
        Chicken, corn, green peppers, chili....sigh onions....

        [Reply ]

    Posted on: 2019-01-12 16:50:00   By: Anonymous

    Sadly we have been duped, deluded, lied to, programmed, coerced and forced into voting for Party Lines!! Do the research and prove me wrong! People need to wake up and not allow themselves to be all of the above mentioned!! George Washington himself warned us long ago about the danger of Party Lines yet today it is no longer taught.
    No where in the Constitution are Political Parties even mentioned!! This would imply if we follow the Constitution that Political Parties are actually Illegal or contrary to the Constitution. So why are we forced to vote in any election along their lines? This is where Voter Reform is needed!
    Education is POWER and with that Power you are the more informed Citizen! The Government does NOT want you knowing that. Political Party Leaders do not want you knowing that. Globalists do not want you knowing that. Do you know why they do not want you knowing that? Because then you won't contribute or donate to their respective Cash Cows and Coffers! The Political Party System is one of the biggest lies put upon the American Citizens from long ago. The Founding Fathers knew though what was going to happen. George Washington warned us and Thomas Jefferson warned us by writing the Federalist Papers. Now I will also warn you.

    [Reply ]

Hey Dumbaz Read This
Posted on: 2019-01-10 11:44:57   By: Anonymous
The dumbaz pResident needs to have this pounded in his thick skull .
The Insurance Cos, and banks agree the fires are from Climate Change.

Read it dumbaz-
Insurance Cos Statement -
Notably, there are clear indications of the influence that man-made climate change has had on devastating wildfires in California

[Reply ]

    Re: Hey Dumbaz Read This
    Posted on: 2019-01-10 11:58:25   By: Anonymous
    It rain yesterday...

    [Reply ]

      Re: Hey Dumbaz Read This
      Posted on: 2019-01-10 12:20:38   By: Anonymous
      Give all citizens rakes!

      [Reply ]

    Truth is poison to Liberals
    Posted on: 2019-01-10 12:41:16   By: Anonymous

    If Gavin Newsom has funds to fully fund Illegals before Fire Victims then Commiefornia does not need any Federal Funding! Seriously. He claims we have a $15 Billion Surplus of Funds but he chooses to fully fund Illegals before his own Legal Citizens. So yes I fully agree with President Trump on yanking Federal Funding! Which is the more important our own Legal Citizens in need or Illegal Immigrants?
    #NeverVoteDemocrat #NeverVoteRino
    #NeverVoteSocialist #NeverVoteLiberal
    #MAGA2020 #Trump2020 #NODACA
    #BuildTheWall #FundTheWall #VoteThemOutIn2020
    #FundBorderSecurity #NoGlobalism

    [Reply ]

      Re: Truth is poison to Liberals
      Posted on: 2019-01-10 14:37:40   By: Anonymous
      FACTS you moron piece of trailer trash
      Tired of seeing the same post filled with lies
      Of course that is all your Dictator Trump does you think it is o.k.
      When you can come up with FACTS the you might be relevant, But until then you are just another racist, inbred Trumptard

      [Reply ]

        Re: Truth is poison to Liberals
        Posted on: 2019-01-10 19:39:55   By: Anonymous
        Anyone wonder why John Hamilton isn’t pulling down the comments of Mr Bold, but quickly removes ones that don’t flatter himself?

        [Reply ]

      Re: Truth is poison to Liberals
      Posted on: 2019-01-10 14:39:22   By: Anonymous
      There is not one piece of truth in your post
      But I do hope your home catches fire and you want some Govt help Trumptard

      [Reply ]

        Re: Truth is poison to Liberals
        Posted on: 2019-01-10 16:00:00   By: Anonymous
        Agreed. The ones who didn't think they should have to pay anything toward health insurance yet use the Mark Twain St. J hospital emergency room as their kids' pediatrician. Also the ones who get cancer or diabetes and think the hospital should pay because they can't afford health care. All the while they still buy their beer, cigarettes and ready to go fried chicken from Save Mart.

        [Reply ]

          Re: Truth is poison to Liberals
          Posted on: 2019-01-11 14:49:38   By: Anonymous
          And not ALL people like that buy cigarettes, beer, etc. I think a lot of folks are barely making it and are surviving the best they can. I myself use coupons and check out the sales. Thank God I know my math. You don't have to be rich or a rocket scientist to know simple math. If one knows their simple math and have the incentive he/she will pursue on with their shopping and I know if I need something bad enough on a rainy day and have to walk to get it-well I bundle up and grab an umbrella. I'm not lazy like some folks!

          [Reply ]

      Re: Truth is poison to Liberals
      Posted on: 2019-01-10 15:57:35   By: Anonymous
      Nothing you regurgitate is truthful yet one could still ask why can't we have both and be compassionate? As a health worker, I can say that those using our emergency rooms as their primary visit to a doctor are what is truly taxing the system and costing all of us more. BTW, plenty of local Caucasians doing that beyond placing the blame on immigrants, documented or not.

      [Reply ]

Did You Hear....?
Posted on: 2019-01-10 17:30:43   By: Anonymous
Did you hear that our moron of a President wants to cut off FEMA funding for wildfires?

[Reply ]

    Re: Did You Hear....?
    Posted on: 2019-01-10 19:58:34   By: Anonymous
    Only for Liberal Gavinville.

    [Reply ]

      Re: Did You Hear....?
      Posted on: 2019-01-10 20:34:21   By: Anonymous

      [Reply ]

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