Civil Disorders

Civil Disorders

In 2012 there were 15 major incidences of social unrest that killed 152 people and resulted in $116 million in insured losses, according to Swiss Re. In 2013, there were eight social unrest events that killed 121 people but did not cause significant insured losses. Seven of the costliest civil disorders in the U.S. occurred in the 1960s. The first Fair Access to Insurance (FAIR) Plans, designed to provide property insurance in high-risk areas, were developed in response to these uprisings. (See Issues Updates: Residual Markets for further information on FAIR Plans.)

THE TEN MOST COSTLY U.S. CIVIL DISORDERS

($ millions)

      Estimated insured loss (1) 
Rank Date Location Dollars when occurred In 2013 dollars
1 Apr. 29-May 4, 1992 Los Angeles, CA $775 $1,287
2 Aug. 11-17, 1965 Los Angeles, CA 44 325
3 Jul. 23, 1967 Detroit, MI 42 293
4 May 17-19, 1980 Miami, FL 65 184
5 Apr. 4-9, 1968 Washington, DC 24 161
6 Jul. 13-14, 1977 New York City, NY 28 108
7 Jul. 12, 1967 Newark, NJ 15 105
8 Apr. 6-9, 1968 Baltimore, MD 14 94
9 Apr. 4-11, 1968 Chicago, IL 13 87
10 Apr. 4-11, 1968 New York City, NY 4 27

(1) Includes riots and civil disorders causing insured losses to the industry of at least $1 million up to 1992, $5 million from 1992 to 1996, and $25 million thereafter.
(2) Adjusted to 2013 dollars by the Insurance Information Institute using the Bureau of Labor Statistics' Consumer Price Index Inflation Calculator.

Source: Property Claim Services (PCS), a division of Verisk Analytics; Insurance Information Institute.

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