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  "documentTitle": "Homeowner availability study",
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      "kind": "callout",
      "text": "Unexpectedly, it does not seem like high-risk area are more subject to shrinkage in exposures. 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": "Unexpectedly, it does not seem like high-risk area are more subject to shrinkage in exposures.",
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      "text": "Growth in written units vs wildfire risk in the ZIP code – 2022 YTD",
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      "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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      "text": "Possible Interpretations: 1. Localization of new housing developments, 2. Volatility, 3. Pricing Sophistication, 4. Risk Awareness",
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      "text": "Written Units Growth: 1.96%",
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      "text": "In fact, a more thorough analysis of the correlation does not suggest significant shrinkage in high-risk areas.",
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      "text": "CORRELATION ANALYSIS: WILDFIRE RISK VS UNIT METRICS",
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