Research on Insurance Underwriting Decision Optimization Based on Multi-dimensional Risk Assessment

Against the background of climate change exacerbating extreme weather events, the traditional insurance underwriting model is difficult to cope with complex risks, and scientific decision-making models are urgently needed to safeguard the sustainable development of the insurance industry. In this study, regional climate risk is assessed by calculating the Climate Extreme Index (CEI) and five underwriting strategies are formulated by combining the risk matrix.Meanwhile, a multidimensional community resilience evaluation system is constructed by using the Entropy Weighting Method (EWM), and the results are categorized into four levels by fuzzy C-mean (FCM) clustering. The results show that the model can effectively identify high-risk areas, optimize underwriting decisions, and maintain the solvency of insurance companies. This study innovatively integrates the multidimensional factors of climate, economy and community resilience to provide a scientific basis for the insurance industry to respond to climate change.