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1.
Jiazhen Peng Xiaojun Gene Shan Yang Gao Yohannes Kesete Rachel A. Davidson Linda K. Nozick Jamie Kruse 《Natural Hazards》2014,74(2):1043-1068
This paper introduces a new modeling framework to understand and improve regional natural disaster risk management in the USA, including the interactions among key stakeholders and between the two important risk management mechanisms of insurance and retrofit. The framework includes a stochastic programming optimization to represent insurer decisions, which interacts with a utility-based model of individual homeowners’ decisions to insure and/or retrofit. Reinsurer and government roles are represented as inputs, and the decision models are integrated with a detailed regional catastrophe loss estimation model. This modeling framework is applied to a full-scale, realistic case study for hurricane risk to residential buildings in Eastern North Carolina. Several alternative system configurations are considered that affect the incentives for adoption of alternative risk management methods. They include providing a government subsidy for insured homeowners to encourage retrofit, providing both a government subsidy and insurance rebate to reduce retrofit costs, and mandating insurance purchase with a cap on insurance premiums. For each configuration, outcomes are presented from the perspectives of all key stakeholders—primary insurer, homeowners (insured and uninsured, in high- and low-risk areas), reinsurers, and the government. Results suggest that it is possible to design policies in which all stakeholders can be better off simultaneously. Retrofit incentives for insured homeowners can be effective in linking and strengthening the benefits of retrofit and insurance. Mandatory insurance coupled with capped profit loading factors and possibly retrofit rebates from the insurer to the homeowner can also reduce overall system risk. 相似文献
2.
High rates of urbanization, environmental degradation, and industrial development in disaster-prone areas have all served to increase the extent of damage following catastrophes. Recently, losses from environmental hazards have escalated, which has resulted in a noticeable change in policy, with more emphasis on loss reduction through mitigation, preparedness, and recovery programs. This study focuses on natural disaster management in which the direct risks are posed by the natural disasters themselves. This paper presents a review of issues surrounding natural disaster risk control and insurance in Taiwan. It proposes the use of background information concerning risk control strategies as well as earthquake, typhoon, and flood insurance in Taiwan. Finally, an insurance case study is utilized to demonstrate the feasibility of the proposed methodology. 相似文献
3.
Mabel C. Marulanda Omar D. Cardona Miguel G. Mora Alex H. Barbat 《Natural Hazards》2014,74(3):2071-2088
Understanding and evaluating disaster risk due to natural hazard events such as earthquakes creates powerful incentives for countries to develop planning options and tools to reduce potential damages. The use of models for earthquake risk evaluation allows obtaining outputs such as the loss exceedance curve, the expected annual loss and the probable maximum loss, which are probabilistic metrics useful for risk analyses, for designing strategies for risk reduction and mitigation, for emergency response strategies and for risk financing. This article presents, based on probabilistic risk models, the design and implementation of a risk transfer instrument to cover the private buildings of the city of Manizales, Colombia. This voluntary collective instrument provides financial protection to both, the estate tax payers and the low-income homeowners through a cross-subsidy strategy; besides, it promotes not only the insurance culture but also the solidarity of the community. The city administration and the insurance industry are promoting this program using the mechanism of the property tax payment. This collective insurance helps the government to access key resources for low-income householders recovery and improve disaster risk management at local level. 相似文献
4.
One of the biggest impacts of a disaster is the effect it can have on community and regional housing and the ability of people, communities and regions to recover from the damages. Policy decisions involving investments in loss reduction measures and response and recovery are best informed by the integration of scientific and socioeconomic information. Natural scientists develop hazard scenarios for stakeholders and emergency officials to assess the impacts of a particular disaster outcome. Social scientists have found that housing losses and recovery affect individuals in lower socioeconomic status disproportionately. By combining socioeconomic status data from the US Census with an earthquake scenario for southern California, an event-driven conditional distribution of earthquake risk is used to prioritize investment decisions for earthquake hazard mitigation. Simulation of the damages in the scenario showed a statistically significant risk concentration in census tracts with large numbers of residents of lower socioeconomic status living in multi-family housing and mobile homes. An application of the approach is demonstrated in Los Angeles County as a decision criterion in a building retrofit program. The earthquake scenario was used to evaluate the economic benefits of a program for voluntary mitigation and a combined program of voluntary mitigation and regulated mitigation based on socioeconomic status (mandate requiring mitigation in census tracts meeting specific damage and income thresholds). Although the analysis is a hypothetical scenario based on a simulation of a great earthquake, the results and potential outcomes show that a regulated program with a socioeconomic decision criterion would have significant benefits to vulnerable populations. 相似文献
5.
Earthquake loss estimation of residential buildings in Pakistan 总被引：1，自引：0，他引：1
Pakistan is an earthquake-prone region due to its tectonic setting resulting in high hazard with moderate-to-strong ground motions and vulnerability of structures and infrastructures, leading to the loss of lives and livelihood, property damage and economic losses. Earthquake-related disaster in Pakistan is a regular and serious threat to the community; however, the country lack tools for earthquake risk reduction through early warning (pre-earthquake planning), rapid response (prompt response at locations of high risk) and pre-financing earthquake risk (property insurance against disaster). This paper presents models for physical damageability assessment and socioeconomic loss estimation of structures in Pakistan for earthquake-induced ground motions, derived using state-of-the-art earthquake loss estimation methodologies. The methodologies are being calibrated with the site-specific materials and structures response, whereas the derived models are tested and validated against recent observed earthquakes in the region. The models can be used to develop damage scenario for earthquakes (assess damaged and collapsed structures, casualties and homeless) and estimate economic losses, i.e., cost of repair and reconstruction (for a single earthquake event as well as all possible earthquakes). The models can provide help on policy- and decision-making toward earthquake risk mitigation and disaster risk reduction in Pakistan. 相似文献
6.
《Geoforum》2016
Insurance is increasingly identified as the disaster management technique of choice; a benign tool that can be utilised to reduce the impacts of disaster and aid recovery. For householders in disaster-prone places, individual rational agency is assumed to inform decision-making surrounding house and contents insurance purchase. In this paper, we present findings from interviews with householders in places with high bushfire risk that significantly unsettle such accounts. Drawing upon four identified themes – trade-offs, networks, virtue and promise – we observe that for these householders, the uncertainty and anxiety created through a lack of transparency on behalf of insurers, the construction of insurance as an individual endeavour, and the rendering of household materiality as object, renders insurance catastrophic. Attempts at calculation for insurance coverage are momentary rather than monetary; as constituting an entanglement of insurantial moments constructed within conflicting emotions, morality and the familial, rather than fiscal accountancy. For our participants this provides a stronger logic for choosing not to have insurance than for having insurance. We conclude with signposts for further research, including advancing the theorisation of insurance in the context of the everyday. 相似文献
7.
地震造成斜坡失稳是其引起的最为显著的次生灾害,在小震频发,大震多发的现实背景下,开展不同等级地震作用条件下斜坡危险性评价对区域防灾减灾、地质灾害风险管控及国土空间规划的现实意义日渐凸显。基于拟静力法,根据斜坡所处场地类别和不同超越概率水平地震作用,对其地震动峰值加速度进行调整,确定斜坡不同等级地震作用下的综合水平地震系数,计算不同等级地震作用引起的作用于斜坡重心处的水平和竖向惯性力,以极限平衡法为理论基础,计算不同等级地震作用下斜坡稳定性系数,结合危险性指数法,计算不同等级地震作用下斜坡失稳概率和危险性指数,据此对斜坡不同等级地震作用下的危险性进行划分。结果表明斜坡稳定性系数随地震作用的增强逐渐减小,斜坡失稳概率随地震作用的增强逐渐增大,斜坡危险性指数随地震作用的增强逐渐增大,斜坡危险性亦随地震作用的增强逐渐增大。 相似文献
8.
In this paper, we build an event-based seismic hazard assessment and financial analysis model for Hi-Tech Fabs in Taiwan. As we know, the low occurrence rate, tremendous loss and high uncertainty are characteristics of earthquake disasters. To handle the above issues, the model integrates knowledge from many fields including earth science, seismology, geology, risk management, structural engineering, the insurance profession, financial engineering and facility management. The portfolio of data from the site survey indicates that the model can be used to calculate the event losses (including buildings, contents and business interruption losses); furthermore the average annual loss and loss exceeding probabilities also can be calculated. The total earthquake risk cost, which includes earthquake insurance premiums, average annual retained loss and equivalent annual retrofit cost, is defined as an indicator for selection of optimal risk management strategies. 相似文献
9.
Worldwide, earthquakes and related disasters have persistently had severe negative impacts on human livelihoods and have caused widespread socioeconomic and environmental damage. The severity of these disasters has prompted recognition of the need for comprehensive and effective disaster and emergency management (DEM) efforts, which are required to plan, respond to and develop risk mitigation strategies. In this regard, recently developed methods, known as multi-criteria decision analysis (MCDA), have been widely used in DEM domains by emergency managers to greatly improve the quality of the decision-making process, making it more participatory, explicit, rational and efficient. In this study, MCDA techniques of the Analytical Hierarchical Process (AHP) and the Technique for Order Preference by Similarity to Ideal Solution (TOPSIS), integrated with GIS, were used to produce earthquake hazard and risk maps for earthquake disaster monitoring and analysis for a case study region of Küçükçekmece in Istanbul, Turkey. The five main criteria that have the strongest influence on the impact of earthquakes on the study region were determined: topography, distance to epicentre, soil classification, liquefaction and fault/focal mechanism. AHP was used to determine the weights of these parameters, which were also used as input into the TOPSIS method and GIS (ESRI ArcGIS) for simulating these outputs to produce earthquake hazard maps. The resulting earthquake hazard maps created by both the AHP and TOPSIS models were compared, showing high correlation and compatibility. To estimate the elements at risk, population and building data were used with the AHP and TOPSIS hazard maps for potential loss assessment; thus, we demonstrated the potential of integrating GIS with AHP and TOPSIS in generating hazard maps for effective earthquake disaster and risk management. 相似文献
10.
《International Geology Review》2012,54(5):424-440
In the past, efforts to prevent catastrophic losses from natural hazards have largely been undertaken by individual property owners based on site—specific evaluations of risks to particular buildings. Public efforts to assess community vulnerability and encourage mitigation have focused on either aggregating site—specific estimates or adopting standards based upon broad assumptions about regional risks. This paper develops an alternative, intermediate—scale approach to regional risk assessment and the evaluation of community mitigation policies. Properties are grouped into types with similar land uses and levels of hazard, and hypothetical community mitigation strategies for protecting these properties are modeled like investment portfolios. The portfolios consist of investments in mitigation against the risk to a community posed by a specific natural hazard. and are defined by a community's mitigation budget and the proportion of the budget invested in locations of each type. The usefulness of this approach is demonstrated through an integrated assessment of earthquake—induced lateral—spread ground failure risk in the Watsonville, California area. Data from the magnitude 6.9 Loma Prieta earthquake of 1989 are used to model lateral—spread ground failure susceptibility. Earth science and economic data are combined and analyzed in a Geographic Information System (CIS). The portfolio model is then used to evaluate the benefits of mitigating the risk in different locations. Two mitigation policies, one that prioritizes mitigation by land use type and the other by hazard zone, are compared with a status quo policy of doing no further mitigation beyond that which already exists. The portfolio representing the hazard zone rule yields a higher expected return than the land use portfolio does; however, the hazard zone portfolio experiences a higher standard deviation. Therefore, neither portfolio is clearly preferred. The two mitigation policies both reduce expected losses and increase overall expected community wealth compared to the status quo policy. 相似文献
11.
The direct damage caused by earthquakes, such as impaired buildings, may interfere with normal business operations and disrupt
the function of the industrial chain. Such economic impacts can be evaluated using the input–output analysis developed by
Leontief. In this paper, two scenario earthquakes in northern Taiwan both with a return period of 475 years—the Hsinchu Hsincheng
and the Yilan Nan-ao earthquakes—are simulated. The results show that the economic impact caused by the Hsincheng earthquake
is greater than that resulting from the Nan-ao earthquake, which should be the major scenario considered for the disaster
reduction plan. The industries affected the most are the manufacturing, food services and entertainment, storage and retail
trade, and public and construction industries. The Nan-ao earthquake causes relatively more losses in the food services and
entertainment industries. Most of the repercussion effects of these industries are in the central and southern parts of Taiwan.
The loss to the manufacturing sector and its repercussion effects are enormous. Therefore, the government should make it a
first priority to encourage the manufacturing sector to implement earthquake mitigations, such as a seismic retrofit, or to
provide a seismic evaluation, which can enable firms to engage in mitigation voluntarily. The measure needed to reduce the
loss in agriculture is that the government can purchase agricultural products in central and southern Taiwan following the
disaster and offer them to survivors in northern Taiwan. 相似文献
12.
The construction of the Yangtze River Economic Belt is one of the major strategic initiatives to promote the sustained and steady growth of China's economy at current and the new normal stages. Comprehensive enhancing the governance levels of various natural disaster risks in the Yangtze River Economic Belt is the basic guarantee for promoting the implementation of the development strategy. Based on the multi-hazard integrated risk theory, the main disaster risks of the core cities (Shanghai, Wuhan, and Chongqing) of the Yangtze River Economic Belt and the major risk-earthquake disaster chain were systematically analyzed. The status and existing problems of multi-hazard integrated risk governance in the Yangtze River Economic Belt were expounded in this paper. The main problems include: Insufficient understanding of multi-hazard integrated risk formation mechanism; low level of safety fortification; Imperfect regional coordination and linkage mechanism; and insufficient role of insurance and reinsurance in risk transfer. Finally, the overall promotion strategies were proposed, including establishing multi-hazard integrated risk identification mechanism and governance capability evaluation system; comprehensive improving the fortification level of multi-hazard integrated risk prevention; establishing multi-hazard and multi-party linkage disaster monitoring and early warning systems; strengthening major disaster risk management and evacuation facilities construction; accelerating the construction of catastrophe insurance systems based on multi-hazard risks. This will provide a theoretical reference for major disaster risks studies in the Yangtze River Economic Belt. 相似文献
13.
A novel strategy to determine the insurance and risk control plan for natural disaster risk management 总被引：2，自引：2，他引：0
This study presents an extended framework for the analysis of economic effects of natural disaster risk management. It also attempts to define and evaluate the optimal insurance arrangements. A model, the economic utility constrained-maximization model, is proposed. The purpose of this study is to establish a strategy for determining an insurance and risk control plan in which consideration is given to balancing the economic effects (e.g., decrease in costs due to damage) by disaster mitigation. Furthermore, these values are compared with risk control actions for purposes of prioritization, to provide data to help evaluate the benefit of each risk control action. Disaster insurance policy premiums in contrast are based on actuarial data taken from situations in which risk control measures are not employed. This can make such contracts unfair to responsible enterprise managers who must take risk control measures. This represents an unfair aspect of insurance policies. Enterprise managers should be able to determine the optimum arrangement between natural disaster risk control and insurance given their budget limitations. The optimal strategies aim at the best applicability and balance between risk control and insurance capability for the enterprise manager. Risk control measures can generate several risk control options for enterprise managers. Premium discounts by insurers are given in this model. 相似文献
14.
Ratiranjan Jena Biswajeet Pradhan Sambit Prasanajit Naik Abdullah M. Alamri 《地学前缘(英文版)》2021,12(3):101110
Earthquake prediction is currently the most crucial task required for the probability, hazard, risk mapping, and mitigation purposes. Earthquake prediction attracts the researchers' attention from both academia and industries. Traditionally, the risk assessment approaches have used various traditional and machine learning models. However, deep learning techniques have been rarely tested for earthquake probability mapping. Therefore, this study develops a convolutional neural network (CNN) model for earthquake probability assessment in NE India. Then conducts vulnerability using analytical hierarchy process (AHP), Venn's intersection theory for hazard, and integrated model for risk mapping. A prediction of classification task was performed in which the model predicts magnitudes more than 4 Mw that considers nine indicators. Prediction classification results and intensity variation were then used for probability and hazard mapping, respectively. Finally, earthquake risk map was produced by multiplying hazard, vulnerability, and coping capacity. The vulnerability was prepared by using six vulnerable factors, and the coping capacity was estimated by using the number of hospitals and associated variables, including budget available for disaster management. The CNN model for a probability distribution is a robust technique that provides good accuracy. Results show that CNN is superior to the other algorithms, which completed the classification prediction task with an accuracy of 0.94, precision of 0.98, recall of 0.85, and F1 score of 0.91. These indicators were used for probability mapping, and the total area of hazard (21,412.94 km2), vulnerability (480.98 km2), and risk (34,586.10 km2) was estimated. 相似文献
15.
Motamed Hooman Ghafory-Ashtiany Mohsen Amini-Hosseini Kambod Mansouri Babak Khazai Bijan 《Natural Hazards》2020,101(1):87-102
Natural Hazards - Analysis of the run-out of landslides is essential and vital for disaster mitigation. However, accurate run-out analysis is difficult because of the uncertainty of earthquake... 相似文献
16.
Kasım Armağan Korkmaz 《Environmental Earth Sciences》2010,61(3):467-476
A significant proportion of the urban areas in Turkey is subject to high seismic risk. An important step for seismic risk
mitigation is to define the hazard and damage after an earthquake. This paper proposes an integrated seismic hazard assessment
and disaster management processes for Turkey. The proposed methodology utilizes information technologies in its seismic assessment
component that provides fast results for assessment. First, image process methodology by using satellite images was implemented
in the seismic assessment process for fast evaluation right after an earthquake. Second, the seismic assessment process was
integrated with disaster management process. As a result, through integrated seismic hazard evaluation and disaster management
procedure, an effective, fast and dependable estimation of loss for Turkey was planned. 相似文献
17.
Overview of Taiwan Earthquake Loss Estimation System 总被引：2，自引：1，他引：2
The National Science Council (NSC) of Taiwan started the HAZ-Taiwan project in 1998 to promote researches on seismic hazard
analysis, structural damage assessment, and socio-economic loss estimation. The associated application software, “Taiwan Earthquake
Loss Estimation System (TELES)”, integrates various inventory data and analysis modules to fulfill three objectives. First,
it helps to obtain reliable estimates of seismic hazards and losses soon after occurrence of large earthquakes. Second, it
helps to simulate earthquake scenarios and to provide useful estimates for local governments or public services to propose
their seismic disaster mitigation plans. Third, it helps to provide catastrophic risk management tools, such as proposing
the seismic insurance policy for residential buildings. This paper focuses on the development and application of analysis
modules used in early loss estimation system. These modules include assessments of ground motion intensity, soil liquefaction
potential, building damage and casualty. 相似文献
18.
Risk and uncertainty analysis in the planning stages of a risk decision-making process 总被引：7，自引：6，他引：1
Natural disaster risk, a long-time concern in the insurance industry, is increasingly recognized as a present danger in the
business strategies of risk control and enterprise management agencies. Floods and earthquakes can cause massive loss of life
and infrastructure, resulting in business interruption and heavy casualties. Many of the short-term developmental strategies
employed throughout the world have only served to exacerbate the impact of natural disasters. Therefore, this study presents
a review of formal methods that are commonly used in risk and uncertainty analysis in planning and concludes with a critical
assessment of the advantages and disadvantages of the different priority setting methods. Our focus is a preliminary proposal
for developing an efficient probabilistic approach to facilitate design optimization that involves probabilistic constraints. 相似文献
19.
Based on a series of international conferences for establishing HFA2 framework, this paper analyzed key issues of frontier of disaster risk science, integrated disaster prevention and mitigation strategies and integrated disaster risk governance. The future direction of disaster risk science was comprehensively discussed according to the widely discussed Post 2015 Hyogo Framework for Action (HFA2). It was proposed to deepen the cognition of the complexity of disaster system in terms of recognizing the complexity of disaster system from the interaction among various elements of the system, recognizing the complexity of climate change risk from the regional characteristics and formation mechanism of the global climate change and recognizing the complexity of the catastrophe risk from the regional development levels and patterns. Furthermore, it was suggested to make integrated disaster risk reduction strategies and countermeasures from the perspective of the complexity of the disaster system, including the establishment of regional integrated disaster risk governance framework to face climate change, the establishment of integrated disaster risk governance system in multi-spatial scale, the establishment of disaster risk governance financial system integrating the insurance, bonds and lottery, the establishment of consilience mode in integrated risk governance considering multi-stakeholder and the establishment of modeling and simulation platform integrated disaster risk information services and disaster risk reduction strategies. Finally, it was pointed out that the assessment of disaster risk levels for different regions in multi spatial scale can provide robust scientific support for integrated disaster risk governance of the world and regions, industries and enterprises so as to improve response to global change and guarantee a global and regional sustainable development. 相似文献
20.
2008年5月12日四川省发生8级地震,地震对青川县造成了巨大破坏,同时引发了大量的次生地质灾害。本文以碾子村五社崩塌灾害点为研究评价对象,在工程地质条件、危岩体分布特征、变形破坏模式的研究基础之上,计算了研究区典型危岩体的稳定性及破坏概率。在野外滚石实验的基础上,运用专业软件模拟了失稳块石的运动轨迹,得到了落石运动过程中的速度、跳高及动能,并进一步确定了崩塌的影响范围。在野外调查和收集当地社会经济资料的基础上,对崩塌的易损性及风险性进行了评价,并根据灾害特点及评价结果提出了相应的防灾减灾措施。 相似文献