Analyze how recent climate risk modeling updates and catastrophe loss ratios are driving up homeowners insurance premiums in coastal Florida compared to inland Georgia.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Analyze how recent climate risk modeling updates and catastrophe loss ratios are driving up homeowners insurance premiums in coastal Florida compared to inland Georgia.
3 real searches · 1 real-search pass
2025 2026 homeowners insurance Florida catastrophe modeling updates climate risk premiums loss ratios reinsurance Florida OIR rate filings Georgia inland homeowners insurance loss ratiosGoogle ↗
OBSERVEDReason
Florida homeowners insurance catastrophe model updates 2025 2026 hurricane risk modeling RMS Moody's Verisk climate riskGoogle ↗
OBSERVEDReason
Georgia homeowners insurance premiums catastrophe loss ratio 2025 2026 inland severe convective stormGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2025 2026 homeowners insurance Florida catastrophe modeling updates climate risk premiums loss ratios reinsurance Florida OIR rate filings Georgia inland homeowners insurance loss ratios Google ↗
Florida homeowners insurance catastrophe model updates 2025 2026 hurricane risk modeling RMS Moody's Verisk climate risk Google ↗
Georgia homeowners insurance premiums catastrophe loss ratio 2025 2026 inland severe convective storm Google ↗
- Moody’s RMS Hurricane Models V25 Certified · moodys.com
- Florida Commission on Hurricane Loss Projection Methodology · fchlpm.sbafla.com
- Pricing climate risk: Hurricane models and home insurance over the last two decades · bb.jaff.eu.org
- The Fed - Model Uncertainty and the Pricing of Hurricane Risk in Florida · federalreserve.gov
- Florida Sunshine: Big Improvement in Combined Ratio in 2025, Gallagher Says · insurancejournal.com
- Florida insurers see lower reinsurance pricing at June renewals · insurancebusinessmag.com
- A Deep Dive: Recommendations on Georgia’s Rising Premiums, Loss Ratios · insurancejournal.com
- Are Georgia and other states becoming uninsurable? We have the latest data · georgiarecorder.com
- 2026 LexisNexis U.S. Home Insurance Trends Report: Claims Severity Reaches All-Time High While Frequency Declines · risk.lexisnexis.com
- Homeowners Insurance: Premiums Generally Tracked Inflation but Rose More in Disaster-Prone Areas · gao.gov
- GAO-26-107867, HOMEOWNERS INSURANCE: Premiums Generally Tracked Inflation but Rose More in Disaster-Prone Areas · files.gao.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2025 2026 homeowners insurance Florida catastrophe modeling updates climate risk premiums loss ratios reinsurance Florida OIR rate filings Georgia inland homeowners insurance loss ratios OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Florida homeowners insurance catastrophe model updates 2025 2026 hurricane risk modeling RMS Moody's Verisk climate risk OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Georgia homeowners insurance premiums catastrophe loss ratio 2025 2026 inland severe convective storm OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |