Severity vs. Frequency looks at the loss rate that is more predictable on low severity, high frequency lines of insurance than it is on high severity, low frequency lines. Which of the examples below can best be used to determine the loss rate for a high severity, low frequency line of insurance.

a. A significant tropical storm which does extensive damage to farmlands.

b. A severe forest fire which frequently occurs during the summer months.

c. The COVID 19 pandemic which significantly affected nearly all segments of countries globally.

d. A catastrophic hurricane that is rated as a category 2 or above.