Actuaries are obviously a lot smarter than you as all of their efforts show up in the profit/loss line. They get the actual, no bullshit numbers rather than the numbers your fraudsters use and ensure a profit.
It is a simple matter to do a plus or minus 10% on flood levels from all existing records compared to the elevation of the land within the flood plains and compare that. If the councils are doing a poor job on keeping canals and creeks clean of blocking debris and also concreting everything up so water can't escape, then add another 10%.
Too hard for the likes of you to contemplate of course.
