DyGIST 2026

7 May | Summary
Posting Date: May 7, 2026, 11:00:00 AM

Note: This communication is relevant only for those participating in the DyGIST stress test.  

The Prudential Regulation Authority (PRA), part of the Bank of England, is running the Dynamic General Insurance Stress Test (DyGIST) May 5-27, 2026. 

If you or your organisation are not participating in this exercise, you may ignore this message. The events in this stress test are simulated, they do not represent actual events occurring at present.  

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Verisk have reviewed the PRA DyGIST Scenario inject today and are releasing the below deliverables. 

Please see here for information on the May 5 inject and deliverables, including for Pacific Northwest earthquake. The SSEs previously provided for the Pacific Northwest earthquake are contained within the stochastic catalogue. The EDS within Verisk’s World Scenarios catalogue should NOT be used for DyGIST, as it represents a pre-existing Verisk scenario.   

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U.S. hurricane: 

Hurricane Taurus was updated with landfall information including ballpark industry loss estimates of $125b and a return period of 1-in-100 year Florida hurricane loss event.  

For reference, an insured industry loss of $125b is just over a 50-year return period on Verisk’s Florida occurrence EP curve for the Warm Sea Surface Temperature catalogue.

A footprint over Florida was also provided as 3-second gust windspeed on open terrain.  

Using information on the track and footprint, Verisk have identified two similar stochastic event IDs (SSEs). These SSEs are valid for Touchstone 9.0 onwards.  

• Event ID 193685; total industry loss $117b; Florida-only industry loss $111b
  • Notes: Good footprint match over Miami, though higher winds on the Gulf coast near Naples. 2nd landfall in Louisiana.
• Event ID 205454; total industry loss $194b; Florida-only industry loss $160b
  • Notes: Good footprint match over Miami, though higher winds on the Gulf coast near Naples. 2nd landfall in Texas.

Note that each of the selected events have loss impacts outside of Florida, though most of the loss is in Florida. To best represent Hurricane Taurus, users are recommended to filter exposure for Florida only.  

Footprints (TIFF files) of the windspeed and storm surge for each SSE are on the ALERT landing page for this event. Please note, Verisk windspeed footprints are 1-minute sustained including the impact of surface roughness in units of miles per hour.  

Note on importing TIFF files into Touchstone Geospatial: For accumulation purposes, please import TIFF files as Data Type: Boundary. The imported layer will then be available for selection under Custom Boundaries Accumulation in your Geospatial Analysis settings.  

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UK windstorm: 

UK windstorm Nevis is forecast to move across Ireland and the UK on Friday. An approximate windspeed map was provided with broad ranges of windspeeds. The storm is estimated to be a “..generational windstorm that will break records and be comparable to other extreme major UK storms such as the October 1987 and 1990 Burns' Day Storms.” 

Looking at the estimated footprint, where the storm approaches from the West across Ireland, the event appears more similar to the 1990 Burns’ Day storm, also known as Daria. The 1987 track approaches the UK more from the South.  

Verisk’s Europe extratropical cyclone stochastic catalogue contains many perturbations of storm Daria. The approximate recast UK Daria loss using Verisk’s model with present day exposure is £8.8b, around a 60-year return period for the UK. We filtered stochastic events which are perturbations of storm Daria around and slightly greater than this loss level. The events were also constrained to impact key affected regions such as London, Birmingham, Bath and Bristol.

This yields the following 3 SSEs, all of which are valid for Touchstone v9 and later: 

• Event ID 130974; v13 total industry loss £11.2b; UK Only industry loss £9.8b
• Event ID 57556; v13 total industry loss £18.6b; UK Only industry loss £11.1b
• Event ID 85607; v13 total industry loss £19.3b; UK Only industry loss £14.5b

Shapefiles of wind footprints for these SSEs which can be used for accumulation purposes will be made available on the ALERT portal by tomorrow, Friday 8^th May 2026.

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Casualty: 

For the Pacific Northwest Earthquake scenario, we have released Verisk insurable loss estimates to liability lines focusing on the Construction, Utilities, Energy, and Government sectors as the main industries potentially exposed to litigation following the event. Please contact casualtycatsupport@verisk.com  for further details.

Next update:

Our next DyGIST update will be on Tuesday May 12^th 2026. Please contact Shane Latchman, Joe Cleveland and Maeve Sweetnam or otherwise your Verisk representative, with any questions.  

7 May | Downloads
Posting Date: May 7, 2026, 11:00:00 AM

The information provided herein is strictly confidential and is solely for the use of Verisk clients; disclosure to others is prohibited.

Additional Downloads

Note: Additional downloads related to the posting are listed below. Please use the appropriate application to view these files.

Title	File Type	Description	Download
Wind and Storm Surge Footprints for "Taurus"	.zip / .tif	Wind and storm surge footprints for the similar stochastic events for Hurricane Taurus, in .tif format
ETC Wind Shapefiles	.zip / .shp	Shapefiles for the wind footprints of the similar stochastic events for Storm Nevis