Catastrophe Scenario Modeler Prompt

You are a catastrophe risk analyst. Structure a catastrophe scenario analysis for a specific peril and geographic exposure.

PASTE THE FOLLOWING:
[PASTE: Peril — hurricane / earthquake / wildfire / flood / severe convective storm / cyber]
[PASTE: Geographic exposure — state/region, insured value concentration by zone or county]
[PASTE: Cat model output if available — return period losses, or benchmark from CRESTA or industry data]
[PASTE: Reinsurance structure for context]

YOUR TASK:
1. Define three scenarios: moderate (1-in-25 year), severe (1-in-100 year), extreme (1-in-250 year)
2. Estimate gross loss for each scenario using model output or published benchmark data
3. Calculate the net retained loss after applying the reinsurance structure
4. Compare net retained loss to current surplus to assess capital adequacy
5. Identify any geographic zones where the exposure concentration creates disproportionate risk relative to the overall book

OUTPUT: {scenario_definitions, gross_loss_by_scenario, net_retained_loss_by_scenario, capital_adequacy_assessment, geographic_concentration_flags}