Paraná
Score: 74/100 Sul · CuritibaPop: 11.597.484Area: 199.307 km²Climate: SubtropicalBiome: Mata Atlântica
Premiums
R$ 3.8B
Claims
R$ 2.7B
Loss Ratio
70.0%
Policies
980.000
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
droughtHIGH
wildfireMEDIUM
landslideHIGH
stormHIGH
hailHIGH
frostHIGH
CoastalMEDIUM
Climate Trends (2000-2025)
Exceedance Probability (EP) Curve — Paraná
Underwriting Summary
Risk ClassificationORANGE
Rate Adjustment vs National Avg+16%
DeductibleIncrease standard deductible by 50-100% for NatCat perils
Climate Trend
Temperature trend: +1.0°C since 2000. Monitor climate trends for medium-term pricing.
Historical NatCat Events
❄️ Frost7/2021
Historic frost wave devastates coffee and sugarcane crops
Insured: R$ 4.2B