自然灾害指数

摘要：

龙卷风、洪水和野火等自然灾害对生命和财产构成风险，需要保险公司的干预。气候变化最明显的后果之一是极端天气事件的强度和频率增加。这些灾害的相对强度远远超过了惯常的季节性最大值，往往导致随后财产损失的增加。因此，应修改保险政策，以承受日益动荡的灾难性天气事件。根据美国国家海洋和大气管理局发布的“风暴数据”，提出了美国自然灾害财产损失指数（Natural Disasters Index，NDI）。NDI的提出是试图构建一种金融工具来对冲内在风险。NDI的目的是预测未来风险的程度，可以预先警告保险公司和公司，使他们能够将保险风险转移给资本市场投资者。这一指数也可以修改，以适用于其他区域和国家。

英文摘要：

Natural disasters, such as tornadoes, floods, and wildfire pose risks to life and property, requiring the intervention of insurance corporations. One of the most visible consequences of changing climate is an increase in the intensity and frequency of extreme weather events. The relative strengths of these disasters are far beyond the habitual seasonal maxima, often resulting in subsequent increases in property losses. Thus, insurance policies should be modified to endure increasingly volatile catastrophic weather events. We propose a Natural Disasters Index (NDI) for the property losses caused by natural disasters in the United States based on the "Storm Data" published by the National Oceanic and Atmospheric Administration. The proposed NDI is an attempt to construct a financial instrument for hedging the intrinsic risk. The NDI is intended to forecast the degree of future risk that could forewarn the insurers and corporations allowing them to transfer insurance risk to capital market investors. This index could also be modified to other regions and countries.

机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。