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NASA VIIRS true-color satellite image of snow cover across the western United States on February 8, 2016, during the 2015-16 El Niño, from the Sierra Nevada and Lake Tahoe to the Wasatch and Colorado Rockies
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September 25, 2026

El Niño and the 2026-27 Ski Season: Which Mountains Tend to Win, and Which Lose

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NASA VIIRS true-color satellite image of snow cover across the western United States on February 8, 2016, during the 2015-16 El Niño, from the Sierra Nevada and Lake Tahoe to the Wasatch and Colorado Rockies
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September 25, 2026

El Niño and the 2026-27 Ski Season: Which Mountains Tend to Win, and Which Lose

We checked April 1 snowpack near 17 ski regions in every strong El Niño winter since 1972. The Northwest came up short, Arizona and New Mexico usually boomed, Utah and Colorado showed no signal, and even the winners had a melt-out year.
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NASA satellite map of sea surface temperature anomalies on September 19, 2026, showing the 2026-27 El Niño as a band of record-warm water across the equatorial Pacific from the date line to South America
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September 25, 2026

El Niño 2026-27: How Strong It Is, What the Forecasts Say, and What It Means This Winter

The 2026-27 El Niño is second only to 1997 at this point in the year, with a 75% chance of a record. Where it stands, the forecast range, how it bends the jet stream, and why a record El Niño isn't a guaranteed record winter.
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NASA VIIRS true-color satellite image of Hurricane Ida making landfall in southeastern Louisiana on August 29, 2021
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September 22, 2026

Why Event-Level Intelligence Matters for Catastrophe Reinsurance

A regional risk designation can't tell a reinsurer what happened during a specific catastrophe. Why structured, event-level intelligence matters for accumulation analysis, loss estimates and the observed event record.
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NASA VIIRS true-color satellite image of Typhoon Hagibis approaching Japan on October 11, 2019, a day before landfall on Honshu
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September 21, 2026

How Real-Time Event Intelligence Supports Reinsurance Operations

When a major catastrophe strikes, reinsurers need to connect the event to exposures, portfolios and programs quickly. Seven ways real-time event intelligence supports reinsurance operations alongside catastrophe models.
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NASA VIIRS false-color satellite image of the Smokehouse Creek Fire burn scar across the Texas Panhandle on March 2, 2024, the largest wildfire in Texas history
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September 20, 2026

Using Hazard Footprints to Understand Reinsurance Exposure

For reinsurers, understanding a catastrophe starts with where the hazard actually occurred. What hazard footprints are, how they connect events to exposure, and how they reveal accumulations across cedents and portfolios.
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NASA VIIRS true-color satellite image of Hurricane Laura over the Gulf of Mexico on August 26, 2020, hours before landfall in southwest Louisiana
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September 19, 2026

How Insurers Use Real-Time Catastrophe Intelligence During Nat Cat Events

An insurer's information needs change fast once a natural catastrophe begins. Ten stages, from establishing the threat to claims triage and impact assessment, and how real-time catastrophe intelligence supports each one.
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NASA VIIRS true-color satellite image of smoke plumes from the Los Angeles wildfires streaming over the Pacific on January 8, 2025
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September 4, 2026

From Nat Cat Detection to Claims: How Event Intelligence Supports the Insurance Lifecycle

An insurer's catastrophe process begins at detection, not the first claim. Eight stages showing how event intelligence connects detection, exposure, claims preparation, impact and the historical record.
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NASA VIIRS true-color satellite image of Hurricane Helene in the eastern Gulf of Mexico on September 26, 2024, approaching Florida's Big Bend coast
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September 3, 2026

Catastrophe Intelligence vs. Catastrophe Modeling: What's the Difference?

Catastrophe models simulate what could happen; catastrophe intelligence describes the events that actually occur. The questions each answers, hurricane, wildfire and flood examples, and why insurers need both.
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NASA VIIRS true-color satellite image of Hurricane Milton over the eastern Gulf of Mexico on October 9, 2024, hours before landfall in Florida
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September 2, 2026

What Is Nat Cat Intelligence? A Guide for Insurance Companies

Nat Cat Intelligence is timely, structured information about natural catastrophe events. What it is, how it differs from catastrophe modeling, and how insurers use it across underwriting, portfolios, response and claims.
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DisasterAWARE map of the September 20, 2026 tornado warning near Colorado Springs: the NWS warning polygon outlined in white over NEXRAD radar, storm core inside it, downtown 34 miles northwest. Radar NOAA/NWS via Iowa Environmental Mesonet; basemap Esri.
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September 23, 2026

Did a Tornado Hit Colorado Springs on September 20? What the Warning Actually Covered

Did a tornado hit Colorado Springs on September 20? No. NWS Pueblo issued one radar-indicated tornado warning for rural southeastern El Paso County, about 34 miles from downtown, for 24 minutes. No tornado was reported.
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NASA VIIRS true-color satellite image of severe convective storms over the Midwest on 31 March 2023.
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September 18, 2026

Historical Tornado Data: What Tornado Tracks Can Tell Insurers About Portfolio Risk

Tornado counts by county tell you one thing; actual tornado tracks tell you another. How historical track data supports underwriting research, repeated-exposure analysis and portfolio accumulation work — and what it cannot predict.
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NASA VIIRS true-color satellite image of a large severe convective storm cluster over the southern Plains on 20 May 2019.
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September 13, 2026

Tornadoes Don't Have to Be EF5 to Create Significant Insurance Risk

An EF rating describes a tornado's intensity, not its financial consequences. Why a lower-rated tornado crossing dense insured exposure can create more risk than a violent one over open country, and what to analyze instead.
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NASA VIIRS true-color satellite image of a severe thunderstorm anvil over the upper Midwest on 21 May 2024.
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September 8, 2026

Tornado Exposure: How Insurers Can Understand Which Properties Were Actually Affected

When a tornado moves through a community, insurers need to know which properties were actually affected. How event footprints intersect portfolio data to support catastrophe response, claims triage and exposure assessment.
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NASA VIIRS true-color satellite image of a severe storm system over the central United States on 26 April 2024, showing a sharp cloud boundary across the Plains.
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September 5, 2026

Why Tornado Warnings Aren’t Enough: From Detection to Verified Impact

A tornado warning answers one question: is there an immediate threat? For insurers, that is only the start. How event intelligence moves from detection through observed track and footprint to verified impact.
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NASA MODIS three-day flood detection over Pakistan on 30 August 2022, showing detected floodwater in red along the Indus valley through Sindh and southern Punjab.
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September 17, 2026

From Hazard Detection to Payout: The Data Behind Parametric Insurance

Every parametric payout rests on a data chain: hazard detection, event characterization, measurement, geospatial footprint, exposure intersection and trigger verification. What each step requires, and where historical and real-time data fit.
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NASA VIIRS true-color satellite image of the 10 August 2020 Midwest derecho, its convective cloud shield spanning Iowa and Illinois.
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September 14, 2026

How Event Intelligence Can Support Parametric Insurance Triggers

Event intelligence connects a real-world hazard to a parametric trigger through five steps — detect, characterize, footprint, intersect, verify. How geospatial event data supports trigger assessment, product design and basis-risk analysis.
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NASA VIIRS true-color satellite image of the Dixie Fire in northern California on 5 August 2021, its smoke plume streaming east across the northern Sierra Nevada.
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September 12, 2026

The Role of Real-Time Hazard Data in Parametric Insurance

Real-time hazard data is what turns a parametric trigger into a payout. How observed measurements differ from forecasts, why event footprints beat single-station readings, and what geographic precision does to basis risk.
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NASA VIIRS true-color satellite image of Hurricane Ian on 28 September 2022, its eye over southwest Florida.
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September 9, 2026

What Makes a Good Parametric Insurance Trigger?

What separates a well-designed parametric insurance trigger from a merely measurable one. Ten principles covering objectivity, relevance to the insured risk, geographic definition, data-source reliability, transparency, timing and basis risk.
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A sprawling storm complex over the southern Plains on June 6, 2026, during the peak tornado-warning month of the year (NASA NOAA-20 VIIRS true color)
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September 16, 2026

Tornadoes of 2026: The Running Record

Tornadoes of 2026, in one running record: 2,699 NWS tornado warnings through mid-September, the strongest rated tornado (an EF4 at Enid, Oklahoma), the EF5 question answered, and every notable outbreak month by month.
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Convective storms building over the eastern Dakotas on September 7, 2026, hours before that night's three tornado warnings (NASA NOAA-20 VIIRS true color)
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September 16, 2026

September Didn't Stand Down: 25 Tornado Warnings, 29 Reports, and 10 Surveyed Paths in Eleven Days

Tornado season's quiet month wasn't: 25 NWS tornado warnings Sept 4-14, tornado reports on seven of nine active days, and ten surveyed damage paths from the Carolinas to New Mexico — with a record year in western Pennsylvania as the backdrop.
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Supercell thunderstorms erupting over the Nebraska-Iowa border on April 23, 2026, with discrete storm towers firing along the dryline (NASA NOAA-20 VIIRS true color)
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September 16, 2026

Did a Tornado Hit Omaha in April 2026? What the Data Shows

Did a tornado hit Omaha in April 2026? No — but the data explains what people were searching for: an April 11-12 tornado watch southeast of the metro, confirmed April 23 touchdowns in southwest Iowa, and a city whose tornado memory runs deep.
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Frontal storm band sweeping over the Sao Paulo coast and southeastern Brazil during the September 2026 severe-weather alert siege (NASA NOAA-20 VIIRS true color, September 12, 2026)
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September 15, 2026

Eleven Days Under the Anvil: Brazil's Alert Siege Put Up to 124 Million People a Day Inside Severe-Weather Footprints

Eleven straight days of severe-weather alerts over Brazil, with single-day footprints holding up to 124 million people — and by day seven, Brazil's richest state had moved its entire emergency apparatus into one room over tornado risk.
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Satellite fire detections blanketing Angola, the DRC, Zambia and Mozambique under a visible smoke pall, September 3, 2026 (NASA Worldview, VIIRS/SNPP true color with thermal anomalies)
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September 10, 2026

The Fire Belt Nobody Watches: 1,168 Wildfire Detections Across Southern Africa in Ten Days

Wildfire records — warning-level events plus satellite heat detections — were 80% of the board again. The surprise is where: Southern Africa and the Congo Basin produced 1,168 to the United States' 411, plus 321 along an active war front.
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Hurricane Lowell west of the Hawaiian islands on September 7, 2026, its cloud canopy over Niihau and Kauai (NASA Worldview, MODIS/Terra)
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September 10, 2026

Hurricane Lowell Never Made Landfall on Kauaʻi. It Still Took 91% of the Island's Power.

Lowell passed 42 miles west of Niʻihau and never made landfall — yet it killed two, destroyed Waimea Pier, knocked out Kauaʻi's only weather radar, and cut power to 91% of the county, three days before Iniki's 34th anniversary.
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