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1)You're sapping their gold income
2)You start building a vermintide
3)You start building a warpbomb
I play always in VH/VH and already there it’s pretty rare AI blow up my UC.
But I usually build UC only under very wealthy t5 settlements that I am quite far to conquer myself (quintex, marienburg, Couronne, Altdorf, and so on... only the richest one making at least 2500-3000gold per turn on that specific t5 settlements),
And usually on the time I conquer the world and reach these UC I made long ago, I never lost the UC, even one time... so at least couple tens turns later, even more.
Sometimes I loose one here or there in VH/VH, but it’s rare.
Well, note that I always build the buildings reducing detectability rate (-20, and -40 if I remember well)
Just to be sure my balance between detection and counter-detection of UC is at 60or80 maxi overall after I built the food building and/or the income buildings (200/turn, and for wealthiest cities only, +10% income/turn stolen).
If you do it that way and never reach 100pts of detectability, I am pretty sure you will never lose a UC from IA... specially in hard, the detectability is lower with difficulty setting.
But don’t forget it can happen if an other AI faction rase the settlement above as well, there are always risks to loose one or some.
Nevertheless, it’s always very profitable if you pick the best cities as targets to put a UC.
Part of it, I think, also depends on diplomacy. If they like, they probably won’t destroy it. If they don’t like you, they’re more likely to destroy it.