Except, that's now how random systems work: you don't get one high value, then some low values, then a value value. Try flipping a coin many times: if you do it

Except, that's now how random systems work: you don't get one high value, then some low values, then a value value. Try flipping a coin many times: if you do it enough times, you'll get 5 heads in a row due to chance. The same is true for random weather events. If you look at this graph going back further, you'll see high losses in previous years: https://www.researchgate.net/profile/Olivier-Mahul/publication/23550346/figure/fig1/AS:310258397401088@1450982774100/Economic-Losses-and-Insured-Losses-due-to-Natural-Disasters.png https://www.researchgate.net/profile/Olivier-Mahul/publicati... Certainly this graph is trending higher from the 1970s, but is that due to more real estate with a higher valuation? And how much insurance premiums were collected?