Data analytics
Data Sources

Data Sources & Methodology

Transparency about the origin and processing of data used — SUSEP, CNSEG, NASA and more

Update Frequency

Data is updated every 15 days, as made available by official sources. Last update: 2025-02-15

Primary source

SUSEP SES / CNSEG

SUSEP — SES

Superintendence of Private Insurance — Statistics System

SES provides detailed data on written premiums, retained claims, marketing expenses and marginal contribution by insurance line, including Line 0171 (Miscellaneous Risks). Data is updated monthly and publicly available.

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Data Used

  • Written and Retained Premiums
  • Incurred and Retained Claims
  • Marketing Expenses
  • Loss Ratio by Line

CNSEG

National Insurance Confederation — Statistical Overview

CNSEG publishes the Statistical Overview of the insurance market with detailed segment analyses. Includes data on catastrophic events, protection gap and market trends. CNSEG's Climate Intelligence Hub details indemnities by climate event.

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Data Used

  • Insurance Market Statistics
  • Catastrophic Events Analysis
  • Protection Gap
  • Climate Intelligence Hub

NASA — FIRMS

NASA Fire Information for Resource Management System

FIRMS provides near real-time fire hotspot data detected by MODIS and VIIRS satellites. Data is used to monitor wildfire risks affecting agricultural equipment (Green Line) and solar panels in rural areas.

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Data Used

  • Active Fire Hotspots
  • MODIS/VIIRS Data
  • Fire History
  • Fire Risk Maps

NASA — GPM

NASA Global Precipitation Measurement Mission

GPM provides global precipitation data with high spatial and temporal resolution. Used to assess flood and waterlogging risks affecting equipment across all lines, especially in urban areas and lowlands.

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Data Used

  • Real-Time Global Precipitation
  • IMERG Data (30 min)
  • Precipitation Anomalies
  • Flood Forecasting

NASA — SRTM

NASA Shuttle Radar Topography Mission

SRTM provides high-resolution digital elevation data (30m) for Brazil. Used to calculate landslide risks, water accumulation areas and topographic vulnerability of equipment installation sites.

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Data Used

  • Digital Elevation Model
  • Altitude Data (30m)
  • Slope Analysis
  • Risk Area Mapping

NASA — MODIS/NDVI

NASA MODIS Vegetation Index / Drought Monitoring

MODIS vegetation index (NDVI) data is used to monitor drought and water stress conditions. Essential for assessing drought risks affecting agricultural equipment and solar panels in semi-arid regions.

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Data Used

  • NDVI Vegetation Index
  • Drought Monitoring
  • Water Stress
  • Vegetation Cover

Open-Meteo

Open-Meteo — Open Weather Data API (ECMWF, DWD, NOAA)

Open-Meteo aggregates data from multiple weather services (ECMWF, DWD, NOAA) and provides forecasts and historical data for precipitation, temperature, wind and river discharge. Used for the real-time precipitation heatmap and flood risk assessment. Free API, no key required.

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Data Used

  • Accumulated Precipitation & Forecast
  • River Discharge / Flood Risk
  • Temperature & Wind
  • Historical Climate Data

NASA — POWER

NASA Prediction of Worldwide Energy Resources

NASA POWER provides long-term satellite-derived climatological data, including solar irradiance, precipitation, temperature and wind speed. Essential for risk assessment of solar panels and weather-exposed equipment.

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Data Used

  • Solar Irradiance (kWh/m²/day)
  • Monthly Climatology
  • Long-Term Precipitation
  • Renewable Energy Data

S2ID — CEMADEN

Integrated Disaster Information System / National Monitoring Center

S2ID records natural disaster occurrences in Brazil, including emergency and public calamity decrees. CEMADEN monitors risk areas in real-time with rainfall and geotechnical data.

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Data Used

  • Natural Disaster Records
  • Emergency Decrees
  • Real-Time Monitoring
  • Rainfall Data

INPE

National Institute for Space Research

INPE provides remote sensing data, fire monitoring, weather forecasting and historical climate data. Satellite data is used for catastrophe risk validation in rural and urban areas.

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Data Used

  • Satellite Data
  • Fire Monitoring
  • Weather Forecasting
  • Historical Climate Data

Peril Classification: NatCat vs Non-NatCat

NatCat Perils — 38.2% of claims

Natural catastrophes (NatCat) include floods/waterlogging, windstorms/storms, hail, lightning, landslides, wildfires, drought and frost. These perils are classified based on the primary cause of the claim as recorded by SUSEP. NatCat share of total claims has grown from 30.8% (2018) to 43.6% (2025), reflecting the increasing frequency and severity of extreme weather events.

Non-NatCat Perils — 61.8% of claims

Non-catastrophic perils include theft/burglary, accidental fire/explosion, electrical damage (non-atmospheric), machinery breakdown, collision/overturn, operator error, vandalism and water damage from installations. These perils represent the majority of claims by volume, but with a declining relative trend as NatCat claims grow proportionally.

Methodology

Risk Score Calculation

The Risk Score (0-100) is calculated based on multiple factors: historical catastrophic event frequency (30% weight), NatCat loss ratio for RD Equipment line (25% weight), NASA satellite data — GPM precipitation, FIRMS fire hotspots and SRTM elevation (25% weight) and local infrastructure vulnerability (20% weight). Data is normalized and weighted by state.

Line Classification

Equipment lines follow the standard Brazilian insurance market classification: Green Line (agricultural/forestry), Yellow Line (construction/earthmoving), White Line (hospital/medical), Brown Line (electronics/audio-video), plus Solar Panels and Other Equipment as additional categories.