29/09/2026
๐ฃ๐ฅ๐ข๐ฃ๐๐ฅ๐ง๐ฌ ๐๐๐ง: ๐ง๐๐ ๐ ๐๐ฃ ๐ข๐ ๐ฅ๐๐ฆ๐ ๐๐ฆ ๐ฆ๐๐๐๐ง๐๐ก๐.
El Niรฑo does not increase every catastrophe peril in every region. It changes the pattern.
It can alter rainfall and flood potential, intensify heat and drought stress in vulnerable areas, and influence tropical-cyclone activity differently by ocean basin.
The underwriting implication is clear: historical averages alone are not enough. Exposure must be assessed against the evolving regional hazard picture and the latest seasonal guidance.