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Oklahoma Department of Insurance and the Insurance Services Office are discussed in full in section 4.
Oklahoma Department of Insurance.
Based on the proportion of damage to Cleveland County contained in the Storm Prediction Center tornado archive.
Moore Association of Home Builders and Chris Ramseyer, professor of civil engineering at the University of Oklahoma, conducted the study to arrive at recommended actions and costs.
If all homes in Cleveland County (108 000 units) have been constructed to the new standards, the increase in cost would have been $185 million or about 2% of the insured losses in Cleveland County.
The Insurance Information Institute reports that tornadoes account for 36% of all category losses. Between 1989 and 2006 overall category losses were $449 billion. Munich RE reports total category losses between 1993 and 2012 of $402 billion.
The SPC tornado archive began providing dollar damage amounts in 1996. Using that damage data, and adjusting for changes in the price level across time, the state of Oklahoma accounts for 13% of national damage in the SPC archive between the years 1996 and 2013.
CPI has averaged 2.13% over the last 10 yr.
A Simmons and Sutter study found that the average sized home in Oklahoma County (Oklahoma City) was a little over 1800 ft2. Also Zillow reports an average home size for the Oklahoma City metro area of 1880 ft2.
This is found by finding the present value of an annuity with unequal payments. We inflate the current dollar average by 2% each year.