Rio Grande do Sul

Score: 88/100

Sul · Porto AlegrePop: 11.466.630Area: 281.730 km²Climate: SubtropicalBiome: Mata Atlântica, Pampa

Premiums

R$ 5.2B

Claims

R$ 4.4B

Loss Ratio

85.0%

Policies

1.500.000

Avg Claim

R$ 85K

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

droughtHIGH

wildfireMEDIUM

landslideHIGH

stormCRITICAL

hailHIGH

frostHIGH

CoastalHIGH

Climate Trends (2000-2025)

Exceedance Probability (EP) Curve — Rio Grande do Sul

Underwriting Summary

Risk ClassificationRED

Rate Adjustment vs National Avg+39%

DeductibleIncrease standard deductible by 50-100% for NatCat perils

Accumulation Warning

Vale do Taquari / Porto Alegre Metro — extreme flood accumulation

Reinsurance Recommendation

Recommend Cat XL or facultative placement for exposures > BRL 10M

Climate Trend

Temperature trend: +1.0°C since 2000. Monitor climate trends for medium-term pricing.

Historical NatCat Events

🌊 Flood5/2024

Catastrophic floods in Rio Grande do Sul - worst in 80 years