Trends
Catastrophe Risk Trends
Historical analysis and seasonal patterns — NatCat vs Non-NatCat — SUSEP/CNSEG Data 2015-2025
Total Loss Ratio 2025
76.0%+4.0pp
NatCat % of Claims
43.6%-3.1pp
Catastrophe Events
580-5.2%
NatCat Losses 2025
R$ 11.2B/ R$ 25.7B total
SUSEP Line Comparison
Real SES/SUSEP data — Loss ratio by insurance line
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Historical Evolution — Aggregate
RD Equipment Line 2018-2025
NatCat vs Non-NatCat Evolution (R$ Millions)
Stacked claims by peril category
- NatCat Claims
- Non-NatCat Claims
Seasonal NatCat Risk Pattern
Monthly risk by natural catastrophe type
- Flood
- Windstorm
- Hail
- Wildfire
All Perils — % of Total Claims
NatCat + Non-NatCat combined = 100%
NatCat — 38.2%
🌊Flood / Waterlogging
13.4%↑
🌪️Windstorm / Storm
8.4%↑
🧊Hail
5.7%↑
⚡Lightning
4.6%→
⛰️Landslide
3.1%↑
🔥Wildfire
1.9%↑
☀️Drought
0.8%→
❄️Frost
0.3%↓
Non-NatCat — 61.8%
🔒Theft / Burglary
22.5%→
🧯Fire / Explosion
11.2%→
🔌Electrical Damage
10.8%↑
🔧Machinery Breakdown
8.5%→
💥Collision / Overturn
5.2%↓
⚠️Operator Error
2.1%↓
🚫Vandalism
0.9%→
💧Water Damage (non-NatCat)
0.6%→
Premiums vs NatCat and Non-NatCat Claims
Comparative evolution — R$ Millions
- Premiums
- NatCat
- Non-NatCat