It has been more than six years since a hurricane hit Texas, but in 1884 Texas was hit by four hurricanes. The frequency of hurricane strikes in Texas has dropped by more than 50% since the 1880’s. No doubt insurance companies have reduced premiums to compensate.
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“No doubt insurance companies have reduced premiums to compensate.” I suggest you review the concept of expected loss.
I suggest you review the concept of fraudulent premise.
I like the regular pattern of the hurricane frequency. In 10 years or so, Texas will likely get a few hurricanes each season.
Farmers and oil companies could plan for that.