Impacto da mudança climática na sinistralidade no setor agrícola no Brasil

Abstract

Over the years, it has been noted how the agricultural sector around the world is constantly affected by climate change. Thus, it is natural that there are some government and business procedures to minimize losses in the field, such as rural insurance. With numerous coverages and possibilities, rural insurance seeks to protect those who produce by ensuring their grain productivity. However, the increase in variations in the loss ratio was what aroused curiosity to carry out this study. Based on this, the research methodology was elaborated from the guiding question: "What is the impact of the effect of climate change on the loss ratio of agricultural insurance?", and consisted of making an analysis of the loss ratio of agricultural insurance for the soybean crop with rainfall variation. The main objective was to understand whether the variation in rainfall indicated any explanation for the variability in the sector's loss ratio in Brazil. Therefore, a correlation was made with the two variables, which brought some different results per municipality analyzed, proving that each region of Brazil has its individuality in terms of agricultural production