Core Insights - The article discusses the innovative "Meteorology + Insurance" service model trial implemented in Zhongshan, aimed at addressing the increasing risks posed by extreme weather events, such as urban flooding and vehicle submersion [3][4]. Group 1: Background and Context - Extreme weather events have become more frequent, posing significant challenges to public safety and property [3]. - Zhongshan has pioneered a multi-faceted system combining meteorology, insurance, and communication to shift disaster management from post-disaster compensation to pre-disaster intervention [3]. Group 2: Implementation and Results - The trial will commence in mid-2025 in three towns in southern Zhongshan, with significant economic benefits and a notable reduction in insurance payouts [3]. - During Typhoon "Hagupit," vehicle loss estimates in Zhongshan were around 800,000 yuan, showing a marked decrease compared to the previous typhoon event [3]. - The trial has achieved precise identification of rainstorm flooding risks and provided early warnings one hour in advance [4]. Group 3: Mechanism and Effectiveness - The model enables insurance companies to transition from passive claims processing to proactive disaster prevention without increasing premiums [4]. - During a rainstorm on June 17, 2025, the trial area saw a 66% reduction in car insurance payouts compared to the same period in 2024, indicating significant effectiveness in disaster mitigation [4]. - A closed-loop mechanism for warnings has been established, converting alerts into actionable instructions sent directly to vehicle owners [4]. Group 4: Future Plans - Zhongshan plans to deepen the "Meteorology + Insurance + Communication" model and expand its application scenarios, aiming to create a replicable model for nationwide implementation [5].