Bahia
Score: 76/100 Nordeste · SalvadorPop: 14.985.284Area: 564.733 km²Climate: Tropical/Semi-aridBiome: Caatinga, Cerrado, Mata Atlântica
Premiums
R$ 2.1B
Claims
R$ 1.5B
Loss Ratio
70.0%
Policies
520.000
Avg Claim
R$ 72K
Premiums and claims figures exclude Health (Saúde) and Pension Funds (Previdência/VGBL/PGBL). Data covers P&C, Life, Agro, and RD Equipamentos branches only.
Peril Risk Profile
floodHIGH
droughtCRITICAL
wildfireHIGH
landslideHIGH
stormHIGH
hailLOW
frostLOW
CoastalMEDIUM
Climate Trends (2000-2025)
Exceedance Probability (EP) Curve — Bahia
Underwriting Summary
Risk ClassificationORANGE
Rate Adjustment vs National Avg+21%
DeductibleIncrease standard deductible by 50-100% for NatCat perils
Reinsurance Recommendation
Recommend Cat XL or facultative placement for exposures > BRL 10M
Climate Trend
Temperature trend: +1.0°C since 2000. CRITICAL: Drought frequency increasing — forward-looking rate adjustment recommended.
Historical NatCat Events
🌊 Flood12/2022
Extreme rainfall and flooding across southern Bahia
Insured: R$ 1.4BDeaths: 26