91°µÍø

Key findings

2025 91°µÍø Natural Disasters Report

We surveyed 800 risk decision-makers from industrial, manufacturing, and technology companies, including C-Suite executives and risk managers, to understand how they approach resilience to extreme weather risk. We also surveyed 150 insurance brokers to learn how their clients are preparing for extreme weather.
  • 800
    decision-makers from industrial, manufacturing, and technology companies including C-Suite executives and risk managers.
  • +60Ìý000
    sitios asegurados en más de 145 países

Here’s what we found

Most industrial, manufacturing, and technology businesses have been severely disrupted by extreme weather. This—along with pressure from investors, regulators, and employees—has put extreme weather on the board agenda:
  • 62%
    of risk decision-makers report they have suffered at least one severe disruption due to extreme weather in the past three years.
  • 41%
    of risk decision-makers say their board regularly discusses extreme weather.
  • 80%
    of risk decision-makers agree their employees are concerned about their exposure.

  • Executive boards know their risk exposure stretches far beyond their internal operations. Risk decision-makers say the extreme weather risks of greatest concern to their boards are:

    • Risks to local infrastructure (37%)
    • Interruption to supply chains (36%)
    • Property damage (30%)
    • Interruption to internal business operations (29%)

Risk decision-makers believe they understand their exposure to extreme weather

— but insurance brokers are less confident:

  • Risk decision-makers believe they understand their exposure to extreme weather—but insurance brokers are less confident:

    • 95% of risk decision-makers say they are ‘mostly’ or ‘fully’ aware of their exposure.
    • 67% of brokers believe their clients are ‘mostly’ or ‘fully’ aware.
  • 74%
    of risk decision-makers underestimate the wind and flood exposure of the countries or regions where their business-critical operations are located.
    Most underestimate the extreme weather risks in the countries where they operate.
  • 44%
    of risk decision-makers report that the cost of insurance is too high to secure full coverage. On average, they believe only half of their potential losses due to extreme weather would be covered by their insurance.
    The cost of insurance is leaving businesses exposed.

However, there are ample opportunities to build resilience, and many of them are untapped:

  • of risk decision-makers say their organizations have fully embedded risk engineering in the design and construction of new sites, even though brokers rank this as the most effective measure.
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