São Paulo

Score: 80/100

Sudeste · São PauloPop: 46.649.132Area: 248.222 km²Climate: Tropical/SubtropicalBiome: Mata Atlântica, Cerrado

Premiums

R$ 28.0B

Claims

R$ 18.2B

Loss Ratio

65.0%

Policies

8.500.000

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

floodCRITICAL

droughtHIGH

wildfireHIGH

landslideHIGH

stormHIGH

hailMEDIUM

frostMEDIUM

CoastalHIGH

Climate Trends (2000-2025)

Exceedance Probability (EP) Curve — São Paulo

Underwriting Summary

Risk ClassificationRED

Rate Adjustment vs National Avg+46%

DeductibleIncrease standard deductible by 50-100% for NatCat perils

Accumulation Warning

Grande São Paulo — urban 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

🔥 Wildfire9/2024

Record wildfires across São Paulo state during extreme drought

Insured: R$ 1.2BDeaths: 4

⛰️ Landslide2/2023

Deadly landslides on the Litoral Norte of São Paulo

Insured: R$ 890.0MDeaths: 65

☀️ Drought1/2014

São Paulo water crisis - Cantareira system near collapse