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  "documentTitle": "Homeowner availability study",
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  "authorName": "Oliver Wyman",
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  "notes": "The slide uses dual-axis charts (bar and line) to show the distribution of ZIP codes alongside performance metrics across wildfire risk segments.",
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      "kind": "callout",
      "text": "It does not seem like high-risk areas have been subject to greater shrinkage in exposures in 2022. While some policyholders may be facing significant restrictions in these areas at the carrier level, this is not the case at the industry level.",
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      "text": "Although this graph highlights a positive correlation between the size of premium increases and the exposure to wildfire risk, it is important to note that the amplitude between the smallest and the largest increases remains relatively small (+14% to +17%). This suggests that the rating actions currently taking place in Colorado are probably much broader in scope than the wildfire peril alone, although there seems to be some segmentation with respect to the wildfire peril.",
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      "text": "Although this graph highlights a positive correlation between the size of premium increases and the exposure to wildfire risk, it is important to note that the amplitude between the smallest and the largest increases remains relatively small (+14% to +17%).",
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      "text": "Average premium increase vs wildfire risk in the ZIP code – 2022 YTD",
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      "kind": "chart",
      "text": "Growth in written units vs wildfire risk in the ZIP code – 2022 YTD",
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      "text": "Average premium increase: 17%",
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      "kind": "source-note",
      "text": "Source: Colorado “Homeowners MP” data surveyed from carriers as-of October 2022, filtered on “Homeowners” policy type, Guy Carpenter’s wildfire risk score, Oliver Wyman Analysis © Oliver Wyman",
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      "kind": "title",
      "text": "KEY FINDINGS: CORRELATION WITH WILDFIRE RISK",
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