Datasets:

electricsheepafrica
/

africa-synth-flooding-property-insurance-risk-all

policy_id stringlengths 16 16	country stringclasses 12 values	region stringclasses 3 values	year int64 2.02k 2.02k	property_type stringclasses 4 values	property_value_usd float64 25k 10M	construction_type stringclasses 6 values	building_age int64 1 80	floors int64 1 20	flood_risk_score float64 0 1	fire_risk_score float64 0.01 1	storm_risk_score float64 0 1	earthquake_risk_score float64 0 0.88	crime_risk_score float64 0 0.53	combined_risk_score float64 0.05 0.63	premium_usd float64 257 401k	deductible_usd float64 500 100k	coverage_type stringclasses 3 values	flood_zone stringclasses 5 values	proximity_to_water_km float64 0 50	elevation_m float64 0 1.9k	previous_claims_count int64 0 7	previous_losses_usd float64 0 8M	risk_class stringclasses 3 values	scenario stringclasses 1 value
PIR-B-RWA-000000	Rwanda	East	2,023	agricultural	331,670.45	wood	1	4	0.2537	0.6092	0.2751	0.442	0.0439	0.3154	9,983.23	14,518.85	standard	B	5.45	587.31	0	0	medium_risk	baseline
PIR-B-RWA-000001	Rwanda	East	2,023	residential	157,874.95	brick	4	2	0.4967	0.4029	0.164	0.1129	0.1844	0.2914	3,418.52	8,699.48	comprehensive	A	2.01	312.96	0	0	medium_risk	baseline
PIR-B-RWA-000002	Rwanda	East	2,024	commercial	457,730.94	wood	18	2	0.2295	0.4919	0.1424	0.2701	0.1041	0.2456	11,224.32	10,955.36	comprehensive	B	11.63	289.38	0	0	low_risk	baseline
PIR-B-SEN-000003	Senegal	West	2,023	residential	201,970.44	brick	11	1	0.057	0.7445	0.1632	0.021	0.0972	0.2183	2,116.99	4,753.94	basic	C	13.47	819.74	0	0	low_risk	baseline
PIR-B-ETH-000004	Ethiopia	East	2,022	residential	253,136.52	metal	25	3	0.1773	0.3492	0.0562	0.4704	0.1223	0.2204	4,215.5	3,149.28	standard	C	28.13	545.73	1	91,134.87	low_risk	baseline
PIR-B-SEN-000005	Senegal	West	2,022	agricultural	750,000	brick	9	1	0.2095	0.4702	0.4573	0.2692	0.0797	0.2942	15,485.9	4,222.59	standard	X	12.73	851.61	1	73,708.13	medium_risk	baseline
PIR-B-TAN-000006	Tanzania	East	2,022	commercial	1,222,953.86	mixed	12	1	0.2384	0.3437	0.0585	0.0416	0.2526	0.1968	16,119.48	2,248.87	standard	C	3.24	69.23	0	0	low_risk	baseline
PIR-B-MOZ-000007	Mozambique	Southern	2,022	residential	178,031.45	concrete	9	1	0.4752	0.4472	0.2461	0.0113	0.3217	0.3235	1,954.51	5,404.85	basic	B	7.93	366.65	0	0	medium_risk	baseline
PIR-B-TAN-000008	Tanzania	East	2,021	agricultural	105,231.08	metal	7	1	0.3488	0.1283	0.4136	0.0589	0.3807	0.2805	2,399.84	6,579.07	standard	A	15.12	468.46	0	0	medium_risk	baseline
PIR-B-COT-000009	Cote d'Ivoire	West	2,021	industrial	10,000,000	concrete	43	5	0.3725	0.4686	0.1681	0.0283	0.1198	0.2487	182,141.99	67,293.65	standard	B	17.17	128.53	0	0	low_risk	baseline
PIR-B-COT-000010	Cote d'Ivoire	West	2,024	residential	135,711.33	mudbrick	8	6	0.0154	0.2861	0.185	0.1819	0.1152	0.1484	1,989.89	1,008.11	basic	B	28.17	247.18	0	0	low_risk	baseline
PIR-B-MOZ-000011	Mozambique	Southern	2,023	residential	117,382.42	wood	16	2	0.2099	0.3685	0.4536	0.0072	0.1246	0.2429	2,566.96	4,055.57	standard	X	25.13	300.73	0	0	low_risk	baseline
PIR-B-MOZ-000012	Mozambique	Southern	2,022	residential	500,000	brick	4	1	0.6721	0.3242	0.2075	0.1721	0.1662	0.3334	7,875.27	2,079.05	standard	A	1.74	199.17	1	86,694.21	medium_risk	baseline
PIR-B-COT-000013	Cote d'Ivoire	West	2,023	residential	310,395.9	brick	15	1	0.2233	0.3516	0.0508	0.1746	0.0314	0.1688	3,180.74	4,406.92	basic	C	9.82	811.15	1	12,324.45	low_risk	baseline
PIR-B-ZAM-000014	Zambia	Southern	2,022	residential	500,000	brick	2	1	0.4165	0.246	0.0949	0.0359	0.1316	0.204	5,206.97	8,255.66	basic	A	0.46	624.11	0	0	low_risk	baseline
PIR-B-RWA-000015	Rwanda	East	2,024	commercial	2,000,000	wood	2	1	0.5903	0.241	0.4064	0.3856	0.1501	0.3649	25,824.98	8,146.2	basic	B	0.75	128.17	0	0	medium_risk	baseline
PIR-B-ETH-000016	Ethiopia	East	2,020	industrial	3,585,090.61	concrete	1	1	0.2224	0.1286	0.1704	0.4671	0.1934	0.2242	64,587.76	40,046.8	standard	X	20.64	672.97	0	0	low_risk	baseline
PIR-B-MOZ-000017	Mozambique	Southern	2,024	industrial	6,574,053.73	concrete	1	2	0.687	0.1372	0.8844	0.0817	0.2585	0.44	129,931.45	28,213.55	standard	A	2	186.74	0	0	medium_risk	baseline
PIR-B-TAN-000018	Tanzania	East	2,023	industrial	5,890,280.32	brick	37	1	0.3415	0.5386	0.5029	0.1792	0.2149	0.3635	157,874.02	61,418.89	comprehensive	B	9.08	1,099.1	0	0	medium_risk	baseline
PIR-B-ETH-000019	Ethiopia	East	2,021	residential	500,000	brick	1	1	0.4479	0.4002	0.0406	0.5261	0.2478	0.3286	5,501.33	9,046.84	basic	A	3.88	1,099.41	0	0	medium_risk	baseline
PIR-B-RWA-000020	Rwanda	East	2,021	residential	74,190.38	mudbrick	1	5	0.0443	0.2226	0.1629	0.2181	0.0628	0.1335	1,543.26	7,092.51	standard	C	4.35	792.07	0	0	low_risk	baseline
PIR-B-ZAM-000021	Zambia	Southern	2,021	residential	500,000	brick	36	1	0.0639	0.2445	0.429	0.2218	0.0917	0.2023	7,432.68	7,570.37	standard	X	23.25	225.43	0	0	low_risk	baseline
PIR-B-COT-000022	Cote d'Ivoire	West	2,022	industrial	6,240,207.72	concrete	37	1	0.5307	0.6564	0.4076	0.0927	0.2895	0.4173	122,183.22	80,979.29	standard	B	3.16	125	0	0	medium_risk	baseline
PIR-B-ETH-000023	Ethiopia	East	2,022	residential	31,483.87	metal	7	1	0.4372	0.2921	0.0378	0.5143	0.0972	0.2719	536.45	1,444.69	standard	B	6.41	570.4	0	0	medium_risk	baseline
PIR-B-TAN-000024	Tanzania	East	2,024	residential	321,325.78	brick	15	2	0.3336	0.0991	0.4722	0.0296	0.0822	0.2185	3,368.32	7,546.03	basic	A	7.73	97.19	0	0	low_risk	baseline
PIR-B-UGA-000025	Uganda	East	2,022	residential	500,000	brick	25	1	0.6375	0.4473	0.1632	0.1566	0.2258	0.3501	11,104.45	4,509.34	comprehensive	A	15.93	183.1	1	305,946.81	medium_risk	baseline
PIR-B-UGA-000026	Uganda	East	2,021	residential	64,484.29	mixed	11	1	0.2579	0.3529	0.0539	0.0003	0.2662	0.1991	744.5	7,060.32	basic	C	1.36	885.36	1	18,126.79	low_risk	baseline
PIR-B-ETH-000027	Ethiopia	East	2,020	industrial	5,755,065.69	wood	1	1	0.3654	0.8058	0.1469	0.336	0.252	0.3827	160,437.65	43,426.12	standard	B	24.44	1,112.72	1	1,191,553.62	medium_risk	baseline
PIR-B-COT-000028	Cote d'Ivoire	West	2,023	residential	464,504.27	brick	24	12	0.3222	0.6642	0.4786	0.0467	0.0488	0.3259	10,209.58	9,524.63	comprehensive	A	1.4	795.3	1	33,696.78	medium_risk	baseline
PIR-B-NIG-000029	Nigeria	West	2,020	commercial	717,263.5	brick	26	1	0.5216	0.3796	0.2639	0.0416	0.3964	0.3446	9,081.29	44,956.23	standard	A	3.06	95.34	0	0	medium_risk	baseline
PIR-B-NIG-000030	Nigeria	West	2,023	residential	148,028.7	brick	19	1	0.2862	0.3441	0.1332	0.0995	0.3146	0.2449	3,140.29	1,505.42	comprehensive	C	3.15	277.25	2	13,132.89	low_risk	baseline
PIR-B-RWA-000031	Rwanda	East	2,021	commercial	1,750,502.69	metal	1	1	0.2589	0.2303	0.1098	0.3645	0.153	0.218	23,296	48,727.47	standard	B	20.77	538.34	0	0	low_risk	baseline
PIR-B-MOZ-000032	Mozambique	Southern	2,024	residential	471,514.55	brick	8	1	0.3496	0.1623	0.0957	0.0715	0.1836	0.1864	6,958.83	2,524.49	standard	B	15.82	438.03	0	0	low_risk	baseline
PIR-B-MOZ-000033	Mozambique	Southern	2,022	agricultural	704,604.73	brick	27	2	0.5294	0.491	0.72	0.2122	0.1562	0.4376	21,641.32	7,719.14	comprehensive	A	1.72	155.97	0	0	medium_risk	baseline
PIR-B-UGA-000034	Uganda	East	2,022	residential	368,933.77	brick	2	1	0.4739	0.6793	0.0998	0.2017	0.0584	0.3162	8,075.36	7,283.83	comprehensive	A	2.07	607.38	1	43,808.69	medium_risk	baseline
PIR-B-COT-000035	Cote d'Ivoire	West	2,021	residential	500,000	brick	8	2	0.4059	0.6818	0.1692	0.1037	0.0492	0.2971	5,426.84	2,433.99	basic	A	0.96	357.75	1	88,884.61	medium_risk	baseline
PIR-B-MOZ-000036	Mozambique	Southern	2,023	commercial	2,000,000	concrete	10	1	0.4285	0.2997	0.2746	0.0402	0.2918	0.2864	24,692.81	5,318.37	standard	B	0.51	0	0	0	medium_risk	baseline
PIR-B-ETH-000037	Ethiopia	East	2,020	commercial	521,852.6	brick	29	1	0.1559	0.642	0.2623	0.2703	0.3789	0.3361	6,583.26	23,425.7	standard	B	12.25	345.07	1	55,766.08	medium_risk	baseline
PIR-B-TAN-000038	Tanzania	East	2,023	residential	305,821.4	wood	17	1	0.3763	0.5148	0.244	0.0254	0.1509	0.2798	4,758.51	6,785.51	basic	A	7.03	555.13	1	39,274.31	medium_risk	baseline
PIR-B-SEN-000039	Senegal	West	2,023	commercial	2,000,000	brick	1	2	0.312	0.503	0.29	0.073	0.204	0.2883	24,713.9	35,382.43	standard	B	8.93	67.98	0	0	medium_risk	baseline
PIR-B-SOU-000040	South Africa	Southern	2,022	residential	500,000	brick	9	1	0.6459	0.8407	0.044	0.1194	0.0817	0.3727	8,007.72	9,377.14	standard	A	0.53	56.97	0	0	medium_risk	baseline
PIR-B-MOZ-000041	Mozambique	Southern	2,022	residential	242,640.13	brick	7	7	0.2706	0.227	0.2208	0.082	0.4455	0.2586	3,699.18	9,105.97	standard	C	12.2	643.27	0	0	medium_risk	baseline
PIR-B-GHA-000042	Ghana	West	2,021	commercial	1,678,889.78	mudbrick	2	1	0.3486	0.4385	0.2125	0.006	0.2938	0.277	29,818.13	23,397.96	standard	A	0.24	812.78	1	76,978.24	medium_risk	baseline
PIR-B-RWA-000043	Rwanda	East	2,024	residential	164,828.63	brick	3	1	0.1553	0.2492	0.2483	0.4649	0.1503	0.2381	3,486.18	2,408.87	comprehensive	C	1.53	975.04	0	0	low_risk	baseline
PIR-B-MOZ-000044	Mozambique	Southern	2,023	residential	205,372.78	concrete	54	1	0.4783	0.3498	0.1855	0.0207	0.0752	0.2448	2,178.3	3,157.18	basic	A	10.33	16.75	0	0	low_risk	baseline
PIR-B-UGA-000045	Uganda	East	2,022	residential	35,100.67	concrete	11	1	0.1801	0.4807	0.2377	0.0754	0.0645	0.2129	524.31	3,516.55	standard	B	26.16	260.14	0	0	low_risk	baseline
PIR-B-GHA-000046	Ghana	West	2,020	residential	347,751.95	brick	1	1	0.4697	0.1043	0.207	0.1362	0.0455	0.2092	7,260.15	7,070.37	comprehensive	A	5.01	756.34	0	0	low_risk	baseline
PIR-B-TAN-000047	Tanzania	East	2,023	residential	113,871.75	wood	32	1	0.4965	0.1612	0.0149	0.0268	0.0797	0.1793	2,419.59	8,521.39	standard	B	3.35	367.02	1	3,020.08	low_risk	baseline
PIR-B-SEN-000048	Senegal	West	2,024	residential	153,698.5	concrete	17	1	0.3022	0.5658	0.4285	0.0839	0.0987	0.3067	3,350.4	9,586.76	comprehensive	A	6.54	205.72	1	2,097.05	medium_risk	baseline
PIR-B-MOZ-000049	Mozambique	Southern	2,022	residential	140,454.15	brick	1	1	0.4509	0.2747	0.2694	0.1837	0.1991	0.2889	2,170.04	6,736.55	standard	B	2.06	186.56	0	0	medium_risk	baseline
PIR-B-SEN-000050	Senegal	West	2,021	industrial	1,062,947.02	brick	3	4	0.0441	0.7135	0.2598	0.0819	0.0534	0.2287	13,431.93	56,512.53	basic	C	10.65	506.38	0	0	low_risk	baseline
PIR-B-KEN-000051	Kenya	East	2,024	residential	101,061.31	concrete	12	3	0.2599	0.6208	0.2257	0.2762	0.1419	0.3041	2,200.46	8,498.72	comprehensive	X	10.46	413.72	1	2,461.47	medium_risk	baseline
PIR-B-UGA-000052	Uganda	East	2,022	residential	191,534.13	wood	7	1	0.131	0.4188	0.2171	0.1142	0.1845	0.2139	2,894.11	8,338.74	basic	C	7.01	608.34	0	0	low_risk	baseline
PIR-B-GHA-000053	Ghana	West	2,020	residential	165,171.91	wood	40	2	0.7333	0.6168	0.0777	0.0033	0.2028	0.3633	5,328.25	2,267.96	comprehensive	V	3.06	16.12	1	15,285.97	medium_risk	baseline
PIR-B-SOU-000054	South Africa	Southern	2,020	residential	210,791.27	brick	38	1	0.0723	0.2095	0.1897	0.025	0.1099	0.1236	2,115.12	1,715.89	basic	B	7.5	646.21	0	0	low_risk	baseline
PIR-B-TAN-000055	Tanzania	East	2,021	agricultural	623,761.46	brick	3	1	0.4524	0.2509	0.6527	0.0926	0.1896	0.3456	13,168.11	13,067.82	standard	B	6.92	695.06	0	0	medium_risk	baseline
PIR-B-ETH-000056	Ethiopia	East	2,023	residential	47,643.43	mixed	30	1	0.2509	0.2839	0.2338	0.122	0.2097	0.2265	1,113.83	1,393.34	comprehensive	X	21.25	216.99	1	882.77	low_risk	baseline
PIR-B-ETH-000057	Ethiopia	East	2,021	residential	500,000	wood	35	1	0.2504	0.4923	0.1627	0.2996	0.0768	0.2539	15,382.81	5,510.3	comprehensive	C	33.14	558.32	0	0	medium_risk	baseline
PIR-B-SEN-000058	Senegal	West	2,023	industrial	3,863,592.66	brick	66	4	0.0419	0.3467	0.2787	0.1304	0.0381	0.1627	94,756.39	29,127.61	comprehensive	X	20.17	685.6	0	0	low_risk	baseline
PIR-B-KEN-000059	Kenya	East	2,023	commercial	877,556.48	brick	30	1	0.1055	0.2798	0.3366	0.3296	0.1359	0.2263	10,549.83	8,117.79	standard	C	50	662.26	2	661,711.72	low_risk	baseline
PIR-B-SEN-000060	Senegal	West	2,022	commercial	323,497.79	concrete	1	1	0.1524	0.2914	0.4275	0.3092	0.2084	0.2699	3,965.31	14,853.28	standard	C	12.78	132.22	0	0	medium_risk	baseline
PIR-B-MOZ-000061	Mozambique	Southern	2,020	commercial	1,969,269.53	concrete	30	1	0.2584	0.3871	0.2836	0.144	0.1929	0.2589	16,814.87	49,224.34	basic	X	7.84	220.74	1	230,926.85	medium_risk	baseline
PIR-B-ZAM-000062	Zambia	Southern	2,022	residential	180,297.69	mixed	9	1	0.0664	0.3337	0.2091	0.0684	0.0929	0.154	2,912.71	1,749.15	standard	X	7.53	0	1	1,675.01	low_risk	baseline
PIR-B-MOZ-000063	Mozambique	Southern	2,024	residential	178,359.69	metal	4	1	0.5416	0.4767	0.2543	0.136	0.1706	0.3361	4,375.01	6,319.45	comprehensive	A	6.44	28.43	0	0	medium_risk	baseline
PIR-B-MOZ-000064	Mozambique	Southern	2,022	residential	144,665.43	brick	36	3	0.6066	0.4873	0.5859	0.0304	0.0714	0.3851	2,329.05	5,495.22	standard	A	0.91	129.15	0	0	medium_risk	baseline
PIR-B-SOU-000065	South Africa	Southern	2,020	industrial	10,000,000	brick	13	1	0.0987	0.434	0.6697	0.0356	0.1141	0.2736	184,157.91	50,030.61	standard	X	50	241.39	1	1,153,152.88	medium_risk	baseline
PIR-B-SOU-000066	South Africa	Southern	2,024	agricultural	750,000	metal	2	1	0.0266	0.1782	0.503	0.5007	0.0636	0.2307	23,422.76	5,206.85	comprehensive	X	23.59	1,015.66	0	0	low_risk	baseline
PIR-B-TAN-000067	Tanzania	East	2,020	commercial	834,522.82	mudbrick	13	1	0.5766	0.2472	0.1922	0.0834	0.0112	0.2468	10,237.48	19,388.87	basic	A	11.24	91.2	0	0	low_risk	baseline
PIR-B-GHA-000068	Ghana	West	2,024	residential	115,777.34	mixed	5	1	0.1197	0.5221	0.4417	0.0649	0.3192	0.2963	1,395.75	9,402.36	basic	B	24.85	604.75	0	0	medium_risk	baseline
PIR-B-RWA-000069	Rwanda	East	2,020	commercial	1,796,103.82	brick	1	1	0.4347	0.3065	0.2589	0.2537	0.0709	0.274	22,055.33	3,616.12	standard	B	2.69	860.79	1	496,560.65	medium_risk	baseline
PIR-B-COT-000070	Cote d'Ivoire	West	2,021	commercial	1,453,040.59	concrete	11	1	0.2368	0.1828	0.2454	0.0115	0.0926	0.1651	16,988.17	18,337.8	standard	B	1.3	770.48	2	1,162,432.47	low_risk	baseline
PIR-B-GHA-000071	Ghana	West	2,023	industrial	5,964,546.49	mudbrick	7	5	0.1522	0.2513	0.2239	0.2869	0.1985	0.2158	154,633.12	50,216.93	standard	X	15.09	414.08	0	0	low_risk	baseline
PIR-B-GHA-000072	Ghana	West	2,021	residential	341,103.82	wood	31	1	0.2913	0.4949	0.5288	0.0514	0.0978	0.3048	7,665.31	4,101.39	standard	X	0.29	346.04	0	0	medium_risk	baseline
PIR-B-COT-000073	Cote d'Ivoire	West	2,022	residential	246,744.45	concrete	9	6	0.3978	0.5189	0.1911	0.0317	0.2704	0.3003	3,831.21	4,031.52	standard	B	5.35	549.43	1	26,631.63	medium_risk	baseline
PIR-B-ZAM-000074	Zambia	Southern	2,020	commercial	1,347,762.54	brick	13	1	0.26	0.2916	0.3242	0.092	0.0746	0.2169	11,294	27,308.73	basic	B	2.68	836.86	1	292,929.42	low_risk	baseline
PIR-B-UGA-000075	Uganda	East	2,023	residential	376,131.31	brick	10	1	0.6079	0.2216	0.2155	0.3037	0.1385	0.3126	5,871.54	5,508.71	standard	A	5.38	99.65	0	0	medium_risk	baseline
PIR-B-ZAM-000076	Zambia	Southern	2,021	residential	136,326.63	brick	37	1	0.1093	0.4249	0.3201	0.1444	0.1661	0.2312	2,053.17	937.54	standard	B	2.94	0	0	0	low_risk	baseline
PIR-B-ZAM-000077	Zambia	Southern	2,024	residential	260,992.34	concrete	10	1	0.4396	0.4186	0.481	0.0159	0.1976	0.3317	5,750.92	4,561.27	comprehensive	B	9.15	434.61	2	9,865.81	medium_risk	baseline
PIR-B-GHA-000078	Ghana	West	2,021	industrial	2,575,696.12	concrete	13	1	0.25	0.3569	0.4684	0.262	0.1421	0.2953	33,520.63	39,406.74	basic	C	3.36	798.49	0	0	medium_risk	baseline
PIR-B-GHA-000079	Ghana	West	2,023	residential	230,495.23	wood	8	2	0.4051	0.3731	0.0961	0.0339	0.0275	0.2057	4,956.96	6,470.12	standard	B	2.24	0	1	29,834.6	low_risk	baseline
PIR-B-SOU-000080	South Africa	Southern	2,020	commercial	449,931.5	brick	8	1	0.1646	0.3987	0.5988	0.1979	0.1565	0.3017	7,829.04	45,515.47	comprehensive	X	22.86	0	0	0	medium_risk	baseline
PIR-B-COT-000081	Cote d'Ivoire	West	2,020	agricultural	750,000	concrete	11	6	0.2048	0.3968	0.5509	0.177	0.2941	0.3261	10,990.9	13,685.22	basic	X	16.81	520.92	0	0	medium_risk	baseline
PIR-B-ZAM-000082	Zambia	Southern	2,024	residential	157,344.78	wood	19	1	0.4365	0.33	0.2355	0.1681	0.1724	0.2819	3,500.73	1,576.38	standard	B	6.69	523.24	1	2,984.61	medium_risk	baseline
PIR-B-ZAM-000083	Zambia	Southern	2,022	residential	69,495.12	concrete	5	2	0.2907	0.27	0.2878	0.2485	0.1025	0.242	736.2	8,727.91	basic	B	1.68	224.75	0	0	low_risk	baseline
PIR-B-ZAM-000084	Zambia	Southern	2,022	industrial	10,000,000	brick	7	1	0.5752	0.1478	0.3422	0.2525	0.2021	0.3201	187,928.49	60,998.13	standard	A	5.08	18.28	0	0	medium_risk	baseline
PIR-B-RWA-000085	Rwanda	East	2,023	residential	120,500.9	brick	4	1	0.2925	0.2448	0.1763	0.3878	0.1668	0.2489	1,280.43	9,005.79	basic	C	23.22	585.46	0	0	low_risk	baseline
PIR-B-COT-000086	Cote d'Ivoire	West	2,022	commercial	417,233.6	metal	22	1	0.2403	0.7025	0.0108	0.0917	0.214	0.2593	5,655.9	37,845.28	standard	C	26.27	907.82	0	0	medium_risk	baseline
PIR-B-MOZ-000087	Mozambique	Southern	2,023	residential	216,794.98	concrete	20	1	0.4026	0.2886	0.3468	0.1711	0.3091	0.3152	2,371.62	3,311.46	basic	B	2.65	269.89	0	0	medium_risk	baseline
PIR-B-SOU-000088	South Africa	Southern	2,024	commercial	2,000,000	wood	2	1	0.1525	0.6621	0.3575	0.2285	0.1455	0.3054	35,964.61	10,241.31	standard	C	7.96	616.88	2	583,602.25	medium_risk	baseline
PIR-B-RWA-000089	Rwanda	East	2,021	residential	126,058.15	brick	17	2	0.3465	0.2711	0.1793	0.1405	0.1231	0.2224	2,647.46	647.33	comprehensive	B	3.5	440.46	0	0	low_risk	baseline
PIR-B-UGA-000090	Uganda	East	2,023	residential	350,301.57	wood	8	1	0.3294	0.1772	0.2812	0.0672	0.0799	0.2001	10,519.97	1,484.95	comprehensive	B	13.05	930.63	0	0	low_risk	baseline
PIR-B-RWA-000091	Rwanda	East	2,021	commercial	179,300.68	brick	18	1	0.0552	0.5742	0.1168	0.3802	0.1205	0.2331	1,513.52	8,415.23	basic	X	8.99	982.72	1	143,440.54	low_risk	baseline
PIR-B-KEN-000092	Kenya	East	2,022	commercial	2,000,000	brick	3	2	0.505	0.3812	0.2883	0.4908	0.1672	0.3672	17,896.14	41,619.95	basic	A	1.43	115.34	0	0	medium_risk	baseline
PIR-B-ZAM-000093	Zambia	Southern	2,023	industrial	10,000,000	mudbrick	5	1	0.1398	0.2703	0.2871	0.0652	0.0969	0.1756	356,361.97	69,231.91	comprehensive	X	12.97	816.38	0	0	low_risk	baseline
PIR-B-NIG-000094	Nigeria	West	2,023	residential	307,776.3	brick	59	2	0.3588	0.7965	0.3846	0.0351	0.101	0.3514	6,838.98	8,454.99	comprehensive	B	0.29	1,045.98	1	109,570.18	medium_risk	baseline
PIR-B-UGA-000095	Uganda	East	2,023	agricultural	596,618.39	concrete	7	1	0.0602	0.0926	0.1117	0.3026	0.1643	0.1342	11,459.56	12,236.96	standard	B	0.46	258.71	1	56,728.33	low_risk	baseline
PIR-B-TAN-000096	Tanzania	East	2,023	residential	377,678.69	concrete	16	4	0.8164	0.4738	0.2912	0.0268	0.2078	0.4027	6,125.28	9,766.05	standard	A	11.43	155.36	0	0	medium_risk	baseline
PIR-B-ETH-000097	Ethiopia	East	2,021	commercial	987,985.51	wood	22	1	0.1215	0.696	0.1738	0.4503	0.2512	0.3221	17,895.01	40,386.46	standard	X	17.99	887.15	0	0	medium_risk	baseline
PIR-B-ETH-000098	Ethiopia	East	2,024	industrial	5,526,625.37	metal	30	1	0.2884	0.3608	0.2074	0.205	0.1078	0.2381	111,320.27	76,409.24	standard	C	13.75	1,180.15	0	0	low_risk	baseline
PIR-B-GHA-000099	Ghana	West	2,024	residential	157,782.81	brick	4	5	0.1138	0.3475	0.4054	0.1314	0.1819	0.2351	2,380.46	2,654.04	standard	C	9.48	370.13	1	25,287.44	low_risk	baseline

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⚠️ Synthetic dataset — Parameterized from published SSA literature, not real observations. Not suitable for empirical analysis or policy inference.

African Property Insurance Risk

Synthetic property insurance risk dataset covering 12 Sub-Saharan African countries across 3 underwriting scenarios. Designed for catastrophe risk modeling, premium pricing, loss forecasting, and insurance portfolio management research.

Variables

Variable	Type	Description
policy_id	string	Unique policy identifier
country	string	Country of origin
region	string	Sub-region (East, West, Southern)
year	int	Policy year
property_type	string	Property category (residential, commercial, industrial, agricultural)
property_value_usd	float	Property insured value in USD
construction_type	string	Construction (brick, concrete, wood, metal, mudbrick, mixed)
building_age	int	Building age in years (1-80)
floors	int	Number of floors (1-20)
flood_risk_score	float	Flood risk score (0-1)
fire_risk_score	float	Fire risk score (0-1)
storm_risk_score	float	Storm/hail risk score (0-1)
earthquake_risk_score	float	Seismic risk score (0-1)
crime_risk_score	float	Theft/vandalism risk score (0-1)
combined_risk_score	float	Weighted aggregate risk score (0-1)
premium_usd	float	Annual premium in USD
deductible_usd	float	Policy deductible in USD
coverage_type	string	coverage level (basic, standard, comprehensive)
flood_zone	string	FEMA-style flood zone (A, B, C, X, V)
proximity_to_water_km	float	Distance to nearest water body in km
elevation_m	float	Property elevation in meters
previous_claims_count	int	Number of prior claims (0-10)
previous_losses_usd	float	Total prior losses in USD
risk_class	string	low_risk, medium_risk, high_risk, extreme_risk
scenario	string	baseline, high_risk_period, or climate_adapted

Scenarios

baseline (50K records): Standard market conditions, 2020-2024. Risk distribution reflects current underwriting practices.
high_risk_period (30K records): Elevated risk due to climate change impacts, increased extreme weather events, 2023-2025.
climate_adapted (20K records): Climate-adjusted risk assessment with updated models, 2024-2025.

Generation Methodology

Parameters are calibrated against published data from:

Santam Insurance Barometer 2024/2025
Deloitte Africa Insurance Outlook 2024/2025
South African Insurance Association catastrophe data
Kenya Insurance Regulatory Authority risk assessments
Munich Re Africa catastrophe loss data
World Bank disaster risk financing for Sub-Saharan Africa
FEMA flood zone classification adapted for African contexts

Risk scores follow beta distributions modulated by property characteristics, geographic factors, and climate projections. Premiums are calculated using actuarial models adjusted for country-specific loss experience.

Use Cases

Catastrophe risk modeling and accumulation management
Climate change impact on property insurance
Premium pricing optimization
Cross-country risk comparison
Portfolio risk segmentation
Synthetic data generation evaluation

Citation

@dataset{african_property_risk_2026,
  title={African Property Insurance Risk Dataset},
  author={ElectricSheepAfrica},
  year={2026},
  license={cc-by-4.0}
}

License

CC BY 4.0 - This is synthetic data generated for research and educational purposes.

Downloads last month: 64

100,000

synthetic property insurance risk records

12 countries

: South Africa, Nigeria, Kenya, Ghana, Tanzania, Uganda, Rwanda, Ethiopia, Senegal, Cote d'Ivoire, Zambia, Mozambique

3 scenarios

: baseline, high_risk_period, climate_adapted