§ 04.b · analysis · state × line cross-tab

State × line heatmap.

Loss ratio cross-tabulated by state and line in a single-year slice. The scale diverges around 1.0, the point at which paid claims equal earned premium, however the central editorial interest is not the slice mean and rather the cell that escapes the regime · the state where a line presents material loss ratio above the expected actuarial band. The notebook anchors the reading on the RS × line 196 case in 2024, given the flood that displaced the line from the normal variance regime and produced the most extreme outlier of the observed window.