Pernambuco
Score: 83/100 Nordeste · RecifePop: 9.674.793Area: 98.312 km²Climate: Tropical/Semi-aridBiome: Caatinga, Mata Atlântica
Premiums
R$ 1.6B
Claims
R$ 1.2B
Loss Ratio
75.0%
Policies
420.000
Avg Claim
R$ 62K
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
floodCRITICAL
droughtCRITICAL
wildfireMEDIUM
landslideCRITICAL
stormHIGH
hailLOW
frostLOW
CoastalHIGH
Climate Trends (2000-2025)
Exceedance Probability (EP) Curve — Pernambuco
Underwriting Summary
Risk ClassificationRED
Rate Adjustment vs National Avg+44%
DeductibleIncrease standard deductible by 50-100% for NatCat perils
Accumulation Warning
Grande Recife — coastal flood accumulation
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
🌊 Flood5/2022
Severe flooding in Greater Recife metropolitan area
Insured: R$ 780.0MDeaths: 133