Assess Insurance Risk related to Weather at the following location 48.8574° N, 2.9107°E, the 2024-10-09

Retrieve the aggregated weather summary for the specified date and location to understand the daily weather conditions relevant for insurance risk assessment.

Here’s a structured insurance risk assessment for the location 48.8574° N, 2.9107° E on 2024-10-09, based on the recorded weather conditions:

🌦 Weather Summary

  • Precipitation: 36.67 mm (very heavy rainfall)
  • Wind: Max 8.72 m/s (~31 km/h), Beaufort Force 5 (fresh breeze, not damaging but noticeable)
  • Humidity (afternoon): 97%
  • Pressure (afternoon): 986 hPa (low pressure, storm-prone conditions)
  • Cloud Cover: 100% (fully overcast)
  • Temperature: 12–16 °C range

📊 Insurance Risk Assessment

1. Property Insurance

  • Risk Level: High
    • Very heavy rainfall increases risk of flooding, water ingress, and roof leakage.
    • Low pressure and full saturation (97% humidity + 100% cloud cover) suggest persistent stormy conditions.
    • Wind is moderate but not destructive—risk comes mainly from water damage.

2. Travel Insurance

  • Risk Level: Moderate to High
    • Flight delays and cancellations are possible due to heavy rain and low visibility.
    • Ground transport disruptions (flooded roads, slower traffic).
    • Health-related risks: increased likelihood of respiratory issues due to dampness and high humidity.

3. Agricultural Insurance

  • Risk Level: High
    • Heavy rainfall may cause crop flooding, soil erosion, and root damage.
    • Harvesting delays likely due to saturated fields.

4. Event / Business Interruption Insurance

  • Risk Level: High
    • Outdoor events severely impacted (100% cloud cover, heavy rain).
    • Businesses relying on transport/logistics face disruption risks.

✅ Overall Risk Rating: High

The dominant hazard is very heavy rainfall combined with saturated conditions, posing significant risks to property, agriculture, and business continuity. While wind is not extreme, the persistent wet conditions elevate insurance exposure.

Would you like me to also map this risk into recommended insurance coverage actions (e.g. flood endorsements, travel delay coverage, business interruption riders)?