Illustration of a plain house with a flood line beside a river and a leafless tree.

Climate and nature

Rising frequency or severity of perils, secondary perils (flood, hail, wildfire, heat), the protection gap and insurability, retreat from markets, climate litigation, transition risk to investments, biodiversity loss.

ARGUS’S READING Steady · Reported European coverage withdrawal sustains property insurability pressure; this week does not establish a change in physical peril trends.

AI and technology Climate and nature Geopolitics, conflict and trade Cyber Energy and the transition Social and legal Financial and macro Health, pandemics and longevity Natural resources and food Under the radar

21 Oct 2026Insurance Business (Australia)Property and catastrophe
NowClaims and pricing
Heat storms: the climate peril Australian insurers still aren't counting ↗
Heat is a growing peril Australian insurers leave uncounted, so exposure goes unpriced and protection gaps widen.
20 Oct 2026Insurance AsiaAgriculture
1–3 yrsBusiness model
Only 30%-35% of registered Filipino farmers receive crop insurance annually, despite free coverage. Low awareness, staffing shortages and a proposed 31% cut to PCIC’s 2027 subsidy threaten protection against climate-related losses. ↗
Low uptake and a proposed subsidy cut leave most farmers exposed to climate losses.
20 Oct 2026Insurance Business (Asia)Casualty and liability
1–3 yrsClaims and pricing
Singapore signals it will pursue banks and investors linked to Indonesia’s haze fires ↗
Possible liability for financiers of haze fires could raise D&O exposure for listed agribusinesses.
20 Oct 2026Insurance Business (Asia)Property and catastrophe, Agriculture
NowClaims and pricing
Indonesia’s forest fire crackdown puts plantation sector insurance programs under pressure ↗
Indonesian fire enforcement tests whether plantation insurance programmes respond to fire exposure and compensation claims.
20 Oct 2026latimes.comProperty and catastrophe
NowBusiness model
Home insurance now costs more than property taxes in most U.S. counties ↗
Home premiums now exceed property taxes in most US counties, widening the affordability and protection gap.
20 Oct 2026Risk & InsuranceProperty and catastrophe
NowBusiness model
California’s Homeowners Insurance Crisis Is About More Than Affordability ↗
Insurer retreat from high-risk areas pushes Californians to the FAIR Plan, reshaping property writers' markets.
20 Oct 2026California Department of InsuranceProperty and catastrophe
1–3 yrsBusiness model
Sustainable Insurance Strategy ↗
California's Sustainable Insurance Strategy reshapes wildfire-exposed property pricing and writing, changing insurers' business models.
20 Oct 2026California Department of InsuranceProperty and catastrophe
NowClaims and pricing
California protects families from hidden smoke damage after wildfires ↗
California action on hidden wildfire smoke damage may widen property claim obligations.
19 Oct 2026Our briefProperty and catastrophe, Motor
NowClaims and pricing
PERILS puts initial insured loss from August storm Raphaela at €3.3bn
Record-scale European storm losses show severe convective storm severity hitting property and motor books now.
19 Oct 2026Intelligent InsurerProperty and catastrophe
1–3 yrsClaims and pricing
Europe’s shifting flood losses expose new accumulation risks: Gallagher Re ↗
Shifting European flood losses expose new accumulation risks for property catastrophe books.
19 Oct 2026bloomberg.comProperty and catastrophe
NowClaims and pricing
Europe's Insurers Cut Coverage of Weather Losses, Report Says ↗
Insurers narrowing weather-loss cover widens Europe's protection gap for property writers.
19 Oct 2026tampabay28.comProperty and catastrophe
NowBusiness model
Tampa homeowner drops property insurance after rates soar, joins growing trend of 'going bare' ↗
Homeowners dropping cover after rate rises signals a growing protection gap for property insurers.
19 Oct 2026Our briefProperty and catastrophe
NowClaims and pricing
Insurers receive 897 initial flood claims across Istanbul and three other provinces
Heavy flooding in a city where only 17-20% of property is insured signals a wide protection gap.
19 Oct 2026nevadacurrent.comProperty and catastrophe
NowClaims and pricing
As destructive wildfires grow, Western states face a home insurance crisis • Nevada Current ↗
Growing wildfire losses are making home cover harder to write across Western US states.
19 Oct 2026Insurance Business (Canada)Property and catastrophe
NowClaims and pricing
850,000 British Columbians practice for the Big One as quake insurance gap persists ↗
Half of BC homeowners lack earthquake cover, leaving a large uninsured quake exposure.
19 Oct 2026Insurance Business (Canada)Property and catastrophe
NowClaims and pricing
850,000 British Columbians practise for the Big One as quake insurance gap persists ↗
Half of BC homeowners lack earthquake cover, leaving a large uninsured quake exposure.
17 Oct 2026Gallagher ReProperty and catastrophe
NowClaims and pricing
A Risk in Flux: Exploring Europe's Changing Flood Reality for Insurers ↗
Shifting European flood risk is changing how insurers must price property flood exposure.
17 Oct 2026columbiagorgenews.comProperty and catastrophe
NowBusiness model
Over 200 homeowners in Klickitat County lost insurance last year, data shows ↗
Homeowners losing cover in one county signals insurers pulling back from exposed markets.
16 Oct 2026theguardian.comProperty and catastrophe
NowClaims and pricing
I work for a major insurer. Much of my industry is fudging the numbers in the face of the climate crisis | Anonymous ↗
Allegation that insurers understate climate losses would distort pricing and reserves for property writers.
16 Oct 2026weforum.orgWhole industry
1–3 yrsCapital
Climate crisis putting financial system at risk, warns insurer | World Economic Forum ↗
Warning that climate change threatens financial stability, which reaches insurers' investments and capital.