There are a few events that are due or over due. The whole of the South Island is high risk due to the Transalpine fault which is due to rupture, when that happens it is expected to be well above 8 on the richter scale and the entire South Island will be badly affected. The next is the Hikurangi subduction zone off the east coast of the North Island. That again is expected to be around 8 and large chunks of the North Island and parts of the South Island are at risk from the shaking and Tsunami. The Wellington fault which is linked to the Transalpine is over due and an event up to 8 is expected. If this fault is triggered by a rupture of the Tansalpine then a two thirds of New Zealand could be badly affected by that event.
Then there is the massive man made disaster, climate change and the whole country will be affected by increased severe weather events and coastal inundation, the impact of the inundation will be felt far inland due to changes in river flows and ground water levels. Lastly there the ever present risk of volcanic activity over a large chunk of Aotearoa.
Oh and one more thing, wild fires, they are a potential risk as the climate changes. Damm its depressing.
Well put, that pretty much covers everything, the new normal as the cliche goes. Perhaps companies can list all the possible factors that a homeowner can do to reduce the premium. Less or lower or further away trees, drainage changes, reinforcing, anything that lowers exposure that the homeowner can use to reduce premiums.