First Sentence:
Before Hurricane Andrew hit southern Florida in 1992, insurance experts didn't think insured losses from a hurricane could exceed $8 billion.
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Key Phrases - Statistically Improbable Phrases (SIPs):
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new wind standards, temporary housing assistance, flood insurance policy, wildfire risk, catastrophe fund, cat bonds, catastrophe risk, earthquake policies, casualty loss deduction, catastrophe exposure, reinsurance coverage, ornamental vegetation, reinsurance protection, subsidized flood insurance, discretionary function exception, catastrophe reinsurance, flood policy, federal flood insurance, flood coverage, flood insurance program, earthquake coverage, insured property, declarations page, surplus notes, catastrophe losses
Key Phrases - Capitalized Phrases (CAPs):
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Hurricane Andrew, United States, New Madrid, State Farm, Pool Re, Los Angeles, Pacific Select, Advisory Council, National Flood Insurance Program, California Earthquake Authority, Loma Prieta, Santa Ana, False Claims Act, San Francisco, Standard Flood Insurance Policy, Moratorium Phaseout Statute, National Con-Serv, Puerto Rico, Forest Service, Geological Survey, Manufactured Housing Act, Oklahoma City, Federal Emergency Management Agency, Hurricane Georges, Lemon Heights
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