Santa Catarina
Score: 86/100 Sul · FlorianópolisPop: 7.338.473Area: 95.737 km²Climate: SubtropicalBiome: Mata Atlântica
Premiums
R$ 3.2B
Claims
R$ 2.6B
Loss Ratio
80.0%
Policies
850.000
Avg Claim
R$ 78K
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
droughtMEDIUM
wildfireLOW
landslideCRITICAL
stormCRITICAL
hailHIGH
frostHIGH
CoastalHIGH
Climate Trends (2000-2025)
Exceedance Probability (EP) Curve — Santa Catarina
Underwriting Summary
Risk ClassificationRED
Rate Adjustment vs National Avg+38%
DeductibleIncrease standard deductible by 50-100% for NatCat perils
Accumulation Warning
Vale do Itajaí — historic flood accumulation zone
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
⛈️ Storm11/2023
Extratropical cyclone hits Santa Catarina coast
Insured: R$ 620.0MDeaths: 12
🌊 Flood6/2013
Severe flooding in northern Santa Catarina
Insured: R$ 180.0MDeaths: 5
🌊 Flood11/2008
Vale do Itajaí catastrophic floods
Insured: R$ 1.9BDeaths: 135