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1、The L.A.Wildfire Moment:The Growth of Insurability Risks in a Changing ClimateIntroduction01.Impact of Climate Catastrophes on U.S.Home InsuranceExtreme Weather Events and Insurability of U.S.Homeowners.10Past Events and Losses.10A Forward-looking Methodology.11Hikes in Home Insurance Premiums.12Inc

2、reased Underwriting Caution:Leaving or Adapting?.13Leaving.13Adapting.1502.The Role of Climate Risk Management in InsuranceThe Importance of Climate Risk Management for Insurers.20The Growing Demand for Climate Risk Management.21Boosting Adaptation Strategies for Managing Climate Risks.22 Investing

3、in Advanced Climate Risk Models and Data Analysis.22Development of New Insurance Products and Solutions.24Partnerships and Industry Collaboration for Better Data Access.24ConclusionExecutive Summary2The L.A.Wildfire Moment:The Growth of Insurability Risks in a Changing ClimateThe recent wildfires in

4、 Los Angeles have once again underscored the urgent need for the U.S.mortgage industry to adapt to the increasing risks posed by extreme weather events.As communities across the region grapple with the aftermath,the broader implications for the financial and insurance sectors are becoming more evide

5、nt.The escalating frequency and intensity of these climate catastrophes are placing significant pressure on insurers,as the ability to insure high-risk assets is becoming increasingly challenging.Many insurers are now rethinking their coverage strategies in light of growing wildfire risks,leaving bu

6、sinesses and communities with tough questions about how to manage and protect their assets.This paper explores essential adaptation strategies for the U.S.mortgage industry in response to these climate-related disruptions.It highlights the critical measures that lenders must adopt to assess and mana