Texas and Arizona account for more than 596,000 of the estimated losses in the seven states the groups examined, and the method assumes every enrollee was equally likely to be cut.
After wildfires scarred the Sacramento Mountains above Ruidoso, New Mexico, the community was under heightened threat of catastrophic flooding. Officials were aware but continued to promote the town to tourists who were oblivious to the danger.
The industry's own estimate counts 123 polar bear harassments and no deaths over the period, while the agency's rule lists how deaths could still occur.