
In a compelling study published in the Journal of Applied Meteorology and Climatology (April 2025), Roger Pielke Jr., previously a professor at the University of Colorado Boulder and now a Senior Fellow at the American Enterprise Institute and professor emeritus, exposes critical flaws in a widely used dataset of U.S. hurricane losses, known as the ICAT dataset. This dataset, originally derived from Pielke’s own peer-reviewed work, was modified without documentation by an insurance company, leading to biased results in peer-reviewed studies and major climate assessments. Pielke’s paper, titled “Do Not Use the ICAT Hurricane Loss ‘Dataset’: An Opportunity for Course Correction in Climate Science,” is a clarion call for the climate science community to uphold rigorous standards and correct these errors.
A fatally flawed time series of U.S. hurricane losses assembled by an insurance company almost a decade ago has found its way into analyses published in the peer-reviewed literature. The flawed time series is based on undocumented modifications to a research-quality dataset that I and my colleagues published almost two decades ago.
Pielke’s study meticulously documents how the ICAT dataset, initially based on his team’s carefully curated hurricane loss data (Pielke et al. 2008; Weinkle et al. 2018), was altered by International Catastrophe Insurance Managers, LLC (ICAT) after a corporate acquisition. These changes, made without transparency or scientific rigor, introduced significant biases, particularly inflating post-1980 loss estimates. The result is a “Frankenstein dataset” that combines incompatible methodologies, rendering it unsuitable for research.
The ICAT dataset’s flaws are not trivial. Pielke demonstrates that it includes 61 additional loss events compared to the Weinkle et al. (2018) dataset, with 53 of these occurring in the latter half of the time series, creating an artificial upward trend in losses. Furthermore, post-1980 data were replaced with estimates from NOAA’s “Billion Dollar Disaster” (BDD) database, which uses a different methodology that inflates losses by including factors like government flood insurance and commodity effects.
The problem with replacing base damages originally from Pielke et al. (2008) with those from NOAA NCEI (and extending the dataset forward using NCEI data to 2017) is that the methodologies used to develop the hurricane loss estimates in each time series are very different. The loss estimates are simply apples and oranges.
This methodological mismatch has led to erroneous conclusions in studies like Willoughby et al. (2024) and Grinsted et al. (2019), which reported increasing trends in normalized hurricane losses and attributed them to climate change. Pielke shows that these trends disappear when the Weinkle et al. (2018) dataset is used instead, underscoring the ICAT dataset’s role in driving misleading results.
The findings of Willoughby et al. (2024) and Grinsted et al. (2019)—of an upward trend in normalized hurricane losses—are due entirely to the use of the flawed ICAT base damage time series and the Frankenstein extensions.
Pielke’s critique extends beyond data quality to the broader implications for climate science. The ICAT dataset’s use in high-profile reports, including the IPCC’s Sixth Assessment Report and the U.S. National Climate Assessment, risks undermining public trust in climate research. He argues that economic loss data, like hurricane damages, should not be used to detect climate trends, as direct meteorological data (e.g., hurricane landfall frequency) are more appropriate. Notably, studies like Klotzbach et al. (2018) and Vecchi et al. (2021) find no upward trend in U.S. hurricane landfalls since 1900, consistent with NOAA and IPCC assessments that refrain from attributing hurricane changes to greenhouse gas emissions.
There is no upward trend in landfall U.S. hurricanes or major hurricanes since 1900, so we should not expect to detect a change in normalized losses resulting from more or more intense landfalls.
Pielke’s paper is a model of scientific self-correction, emphasizing the importance of transparency and accountability. He calls for the retraction of papers relying on the ICAT dataset, arguing that their errors are “so obvious and significant” that they demand action to prevent further misuse. This stance aligns with the National Academy of Sciences’ guidance on ensuring research data integrity.
Science advances knowledge and sustains public trust in part because of the commitment of scientists to self-correction. … The errors are so obvious and significant that editorial boards from JAMC and PNAS should retract both of these papers to prevent the further misuse of a fatally flawed dataset.
This study is a timely reminder of the need for rigorous data provenance in science. By exposing the ICAT dataset’s flaws, Pielke not only protects the integrity of hurricane loss research but also offers a path forward for the scientific community to correct course. His work underscores the importance of grounding science, including “climate” science, in robust, transparent data to ensure that policy and public understanding are based on sound evidence.
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I would wonder why ICAT modified the procedure. Financial concerns?
Follow the money, that is all ICAT does.
You need to demonstrate to regulatory agencies increasing losses to justify increasing premiums.
Good luck trying to reverse rate increases due to misrepresentation.
Actual monetary losses may be increasing because of inflation in the costs of building materials and temporary housing as well as more people choosing to live in storm-prone areas. However, the authors should make that clear and not try to convince the public that the frequency or strength of storms is increasing.
Insurance companies of all types are running rampant and jacking up rates while reducing payouts. Add insurance fraudsters and the EV ripoff effect and people are being screwed in every direction.
Most of the insurance company screwing comes from state insurance commissioners, not the businesses themselves. The companies are very tightly regulated, as the recent Southern California wildfires show.
Not cutting insurance companies any slack at all. They are run entirely by scumbag lawyer f*cks and skirt regulations constantly. When you pay off your “regulators” regulations mean squat. Same goes for pharma-industry, they pay off government regulators and do as they please at a MASSIVE profit.
Anyone who does not know that time series of expenses measured in monetary value when spending occurred will go up nonlinearly or does not have words to explain why…
ICAT is not a “dataset”, it is an estimate set. Once data are “changed” they become something else. In the case of ICAT, we’re not sure what that something else is.
Climate scientists have perfected the alchemy of turning BS into gold.
Adjusted data, which may or may not be valid.
A group of those entities that have been charged higher rates because of the altered data should sue International Catastrophe Insurance Managers, LLC (ICAT). Big pay to class action law firm and notice to all others that won’t see many $$. They will learn they were incorrectly paying higher rates.
A group of those entities that have been charged higher rates because of the altered data should sue International Catastrophe Insurance Managers, LLC (ICAT). Big pay to class action law firm and notice to all others that won’t see many $$. They will learn they were incorrectly paying higher rates.
So ICAT is flawed. Are there good datasets?
It seems that many people from many parts of society have never asked the question of whether insurance is or is not a desirable or beneficial concept. For many people, taking out insurance is as automatic as apple pie so that folk who question it are from the lunatic fringe or neo-Nazi fanatics.
Overall, insurers take some of your money, to be given back to you (less their costs) in the event of a successful claim. On the face of it, you are better off covering your own losses and avoiding the extra money that supports insurers.
There are some types of loss where folk seek to share the cost of loss with the help from amorphous others. If a surgeon makes a mess of an operation, the cash remedy can be judged higher than the surgeon’s ability to pay. Without insurance, he is bankrupted. Over history, surgeons have tended to be insured and it is not uncommon to find laws that require surgeons to have compulsory insurance. Follow the money. I regard compulsory insurance as a bridge too far in the overall concept of private rights and freedoms. At present, the money pool from compulsory insurance is no more than a tax on all people, whether they agree with it or not (because they are never asked). The payout money has to come from somewhere. The more the source is spread and hidden, the more comfortable the insurers are. Their offices seldom reek of tough money times.
Relevant to the questioning by Pielke Jnr is the further question of whether complacency and comfort with the present system has allowed a mild form of widespread corruption among insurers, whereby money for themselves is better than money for payouts, so payouts face difficult hurdles. How many times have you read to claims refused because of fine print in contracts, leading to complexity of definitions for events like floods, that can require expensive legal advice for the person to understand the contract – that few people even read before signing, so strong is the apple pie faith.
I know that this sounds bitter and cynical, but I am not surprised when Dr Pielke finds unacceptable insurance practice. I cannot recall when the insurance sector last faced a major investigation of its ways. Look what happened when the US recently did the DOGE on unsuspicious government departments. Geoff S
Not always.
I may be one of the 1% (say) of home owners whose house is destroyed in a natural disaster each year (I know, those 1% are getting pretty peed off, but you get what I mean). If I hadn’t insured my house at (say) 1.5% of its rebuild cost, I’d be scuppered. No money, no home, and a massive mortgage still to pay.
How am I better off covering my own losses? What would that 1.5% get me if I didn’t buy insurance? I actually pay around 1.2% of the rebuild cost, and I don’t actually know if I have a 1% chance of it being destroyed, I must say. If I knew that, I’d be in the industry myself. I still don’t know of anything I could do with that 1.2% that would cover any possible losses.
There are insurance cons out there, however. I could insure the loss of a hotel booking for about 10% of the cost. My chances of not making that booking and losing my payment is way, way less than 10%. That is a con, but by the booking agent, not insurers.
A next step might be to include people’s feelings into climate datasets. As mass hysteria increases, an upward correction of the global average temperature would be necessary.
Pielke and Richie published a paper in 2021 showing that a $40bn “climate intelligence industry involving companies such as Swiss Re and McKinsey” and others used implausible RCP/SSPS scenarios about climate change to develop predictive products to sell to government and industry to help guide policy and business decisions in the future.
Nice little earner that!