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  "documentTitle": "Homeowner availability study",
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  "authorName": "Oliver Wyman",
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  "notes": "The slide uses a choropleth map with a continuous color scale to represent premium increases, with manual annotations (blue/yellow boxes) to highlight wildfire risk zones.",
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      "text": "Amplitude of the scale is moderate: However, it is worth noting that the amplitude of the scale of premium increases is moderate.",
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      "text": "Crossing of the low-risk band: However, it appears that the areas most impacted by premium increases cross into the low-risk band in between.",
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      "text": "Correlation with wildfire bands: Upon visual inspection, it appears there is a link between the areas with the largest rate hikes and the two bands of wildfire risk.",
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      "text": "Upon visual inspection, it appears there is a link between the areas with the largest rate hikes and the two bands of wildfire risk that run along the state.",
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      "text": "Choropleth map of Colorado ZIP codes showing premium increases",
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      "text": "Source: Colorado “Homeowners MP” data surveyed from carriers as-of October 2022, filtered on “Homeowners” policy type, ESRI dataset of U.S. ZIP Codes (from ArcGIS), Oliver Wyman Analysis",
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      "text": "Larger rate hikes appear correlated with the 2 bands of wildfire risk, although the correlation is imperfect.",
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      "text": "GEOGRAPHICAL ANALYSIS OF PREMIUM INCREASES",
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