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A 1950–1994 data set of major weather losses developed by the property insurance industry was examined to assess its potential utility in climate change research and use in assessing the relevance of recent extreme losses in the United States. A process for adjusting these historical storm losses to ever-changing factors including dollar values, amount of insurance coverage per area, and the sensitivity of society to damaging storms was developed by the industry. Analysis of the temporal frequency and losses of these adjusted weather catastrophes revealed differences according to the amount of loss. Temporal changes since 1975 in the catastrophes causing $35 to $100 million in loss were strongly related to changes in U.S. population, whereas catastrophes that created insured losses greater than $100 million appear related to both shifting weather conditions and to regional population changes. This evaluation revealed that the industry's catastrophe adjustment technique did not adequately allow for changes in various demographic and social factors affecting damage; however, results suggest use of population values for normalizing the adjusted catastrophe database to allow meaningful studies of their temporal variability. 相似文献
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The frequency of extreme weather events, which cause severe crop losses, is increasing. This study investigates the relationship between crop losses and extreme weather events in central Taiwan from 2003 to 2015 and determines the main factors influencing crop losses. Data regarding the crop loss area and meteorological information were obtained from government agencies. The crops were categorised into the following five groups: ‘grains’, ‘vegetables’, ‘fruits’, ‘flowers’ and ‘other crops’. The extreme weather events and their synoptic weather patterns were categorised into six and five groups, respectively. The data were analysed using the z score, correlation coefficient and stepwise regression model. The results show that typhoons had the highest frequency of all extreme weather events (58.3%). The largest crop loss area (4.09%) was caused by two typhoons and foehn wind in succession. Extreme wind speed coupled with heavy rainfall is an important factor affecting the losses in the grain and vegetable groups. Extreme wind speed is a common variable that affects the loss of ‘grains’, ‘vegetables’, ‘fruits’ and ‘flowers’. Consecutive extreme weather events caused greater crop losses than individual events. Crops with long production times suffered greater losses than those with short production times. This suggests that crops with physical structures that can be easily damaged and long production times would benefit from protected cultivation to maintain food security. 相似文献
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以茶叶萌芽至展叶期寒冻害为突破口,利用1987—2016年福建省泉州市安溪县17个自动气象站2—4月的逐日气象数据及安溪各茶树种植区产量数据,确定茶叶寒冻害的天气指数保险气象指标,分析日极端最低气温与茶叶减产率的关系,建立了茶叶寒冻害指数模型。计算安溪不同区域茶叶种植区不同等级寒冻害的发生概率,应用纯保费率方法厘定了保险费率,并根据福建省政策性农业保险的实际情况,制定茶叶不同区域种植区寒冻害指数保险触发条件、赔付标准,设计了安溪县茶叶寒冻害天气指数保险合同。设计的茶叶寒冻害天气指数保险产品以客观气象数据作为定损依据,可以为茶农提供一种有效的风险转嫁方式,也为保险公司增加新险种提供了技术支撑。 相似文献
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针对传统气象证明服务效率与现有保险业务发展需求不匹配的问题,提出一种气象异构数据同步处理的在线保险电子气象证明服务系统的设计与实现方案.通过提取保险业务的气象证明服务需求,采用Springboot框架和特定接口协议技术,将雷达回波数据、自动站气象六要素数据、闪电定位数据等多元异构气象数据进行抽取、转换、展示,形成行业气象服务客户需要的公共气象服务产品,即保险电子气象证明,并通过设计特定接口,将证明材料进行规范化输出,完成保险电子气象证明服务系统的设计与实现,对提高保险电子气象证明服务效率具有较强的促进作用. 相似文献
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气象信息科学视算环境及其若干问题 总被引：5，自引：2，他引：3
多维动态气象数据的科学视算环境通过多视角的图形、图像表达方式 ,能够直接、准确地展示复杂多样的天气过程及其时空演变 ,辅助解释人员和预报人员形成天气系统的四维空间 /时间结构 ,已成为天气系统分析的重要工具。文中首先讨论了描述天气系统和天气过程的常用图形、图像表达方式 ,然后通过若干典型天气系统数值模拟结果的示例分析 ,介绍了目前气象信息科学视算环境的主要功能 ,最后结合当前的应用状况和气象科学发展的需求 ,讨论了气象信息科学视算环境中的若干问题及其解决方案 ,并展望了未来气象信息科学视算环境的发展前景。 相似文献
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Increasing frequency, intensity and duration of severe weather events are posing major challenges to global food security and livelihoods of rural people. Agriculture has evolved through adaptation to local circumstances for thousands of years. Local experience in responding to severe weather conditions, accumulated over generations and centuries, is valuable for developing adaptation options to current climate change. This study aimed to: (i) identify tree species that reduce vulnerability of cropping systems under climate variability; and (ii) develop a method for rapidly assessing vulnerability and exploring strategies of smallholder farmers in rural areas exposed to climate variability. Participatory Rural Appraisal methods in combination with Geographical Information Systems tools and statistical analysis of meteorological data were used to evaluate local vulnerability to climate change and to investigate local adaptation measures in two selected villages in Vietnam, one of the countries most vulnerable to climate change. The low predictability of severe weather events makes food crops, especially grain production, insecure. This study shows that while rice and rain-fed crops suffered over 40 % yield losses in years of extreme drought or flood, tree-based systems and cattle were less affected. 13 tree species performed well under the harsh local climate conditions in home and forest gardens to provide income, food, feed and other environmental benefits. Thus, this research suggests that maintenance and enhancement of locally evolved agroforestry systems, with high resilience and multiple benefits, can contribute to climate change adaptation. 相似文献
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Yujie Wang Lianchun Song Dianxiu Ye Zhe Wang Rong Gao Xiucang Li Yizhou Yin Zunya Wang Yaoming Liao 《Acta Meteorologica Sinica》2018,32(6):937-949
In the context of global warming, China is facing with increasing climate risks. It is imperative to develop quantitative indices to reflect the climate risks caused by extreme weather/climate events and adverse climatic conditions in association with different industries. Based on the observations at 2288 meteorological stations in China and the meteorological disasters data, a set of indices are developed to measure climate risks due to water-logging, drought, high temperature, cryogenic freezing, and typhoon. A statistical method is then used to construct an overall climate risk index (CRI) for China from these individual indices. There is a good correspondence between these indices and historical climatic conditions. The CRI, the index of water-logging by rain, and the high temperature index increase at a rate of 0.28, 0.37, and 0.65 per decade, respectively, from 1961 to 2016. The cryogenic freezing index is closely related to changes in the consumer price index for food. The high temperature index is correlated with the consumption of energy and electricity. The correlation between the yearly growth in claims on household property insurance and the sum of the water-logging index and the typhoon index in the same year is as high as 0.70. Both the growth rate of claims on agricultural insurance and the annual growth rate of hospital inpatients are positively correlated with the CRI. The year-on-year growth in the number of domestic tourists is significantly negatively correlated with the CRI in the same year. More efforts are needed to develop regional CRIs. 相似文献
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Winter storm- and summer thunderstorm-related loss events with regard to climate change in Germany 总被引：1，自引：1，他引：0
Friedrich-Wilhelm Gerstengarbe Peter C. Werner Hermann Österle Olaf Burghoff 《Theoretical and Applied Climatology》2013,114(3-4):715-724
The development of winter storm- and summer thunderstorm-related loss events within the next decades in Germany was investigated with regard to change in frequency and intensity caused by climate changes. As a first step, observed meteorological data were connected with insurance data on a statistical basis. A regional climate model was then used to estimate future climate development. Using the statistical relations between meteorological and insurance data, the development of climate-driven damages was calculated. Results show that an increase of loss events can be expected within the next decades. These results show loss ratios shifting from higher return periods to smaller ones. In progressive decades, all these loss events become regionally more differentiated. 相似文献
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We compared the regional synoptic patterns and local meteorological conditions during persistent and non-persistent pollution events in Beijing using US NCEP–Department of Energy reanalysis outputs and observations from meteorological stations. The analysis focused on the impacts of high-frequency (period < 90 days) variations in meteorological conditions on persistent pollution events (those lasting for at least 3 days). Persistent pollution events tended to occur in association with slow-moving weather systems producing stagnant weather conditions, whereas rapidly moving weather systems caused a dramatic change in the local weather conditions so that the pollution event was short-lived. Although Beijing was under the influence of anomalous southerly winds in all four seasons during pollution events, notable differences were identified in the regional patterns of sea-level pressure and local anomalies in relative humidity among persistent pollution events in different seasons. A region of lower pressure was present to the north of Beijing in spring, fall, and winter, whereas regions of lower and higher pressures were observed northwest and southeast of Beijing, respectively, in summer. The relative humidity near Beijing was higher in fall and winter, but lower in spring and summer. These differences may explain the seasonal dependence of the relationship between air pollution and the local meteorological variables. Our analysis showed that the temperature inversion in the lower troposphere played an important part in the occurrence of air pollution under stagnant weather conditions. Some results from this study are based on a limited number of events and thus require validation using more data. 相似文献
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Franklin W. Nutter 《Climatic change》1999,42(1):45-49
The number of natural catastrophes in this decade is four times greater than in the 1960s; economic losses are eight times greater; and insured losses are 15 times greater. The insurance industry's financial interest is inter-dependent with climate and weather. Natural events drive the demand for insurance coverage and can threaten the viability of an insurer if it is over-exposed in high risk areas. Early in the 1990s, the industry began to recognize that historical data were potentially misleading with respect to future natural catastrophe exposure. The U.S. insurance industry is pursuing a variety of new approaches including: the use of catastrophe computer models to integrate the natural knowledge about extreme events taken from the sciences into the actuarial sciences. The evaluation of building codes and building code enforcement in every community in the country enhanced its support for hazard mitigation. 相似文献
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Insurance and insurers are directly affected and concerned about climate fluctuations in the United States. Growing losses in the 1990s awakened many in the insurance business to the enormity of weather-related problems they faced and a need for better information about climate and its fluctuations including a new potential problem, climate change. This paper presents the views of experts from the crop insurance sector, the property-casualty insurance sector, and from the atmospheric sciences sector based on atmospheric research accomplished for the insurance industry for decades. The paper addresses how climatologists and insurers can and need to work together to effectively bring understanding and wise consideration of climate conditions and their future fluctuations and extremes to insurers. Considerable climatological analyses have been employed in the past by the crop insurance industry, but less by property insurers. Insurers can adjust to a change in climate but to do so will require clear evidence, which does not exist now for the United States, and an understanding as well as wide acceptance of the on-going change by regulators and the buying public. Atmospheric scientists can help insurers to mitigate weather losses, to assess risks, to measure critical perils, to educate about risks, and to learn about critical issues like climate change and long-range forecasts. 相似文献
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S. Niggol Seo 《Climatic change》2013,121(2):115-124
The impact of climate change on US agriculture has been debated for more than two decades, but the estimates ranged from no damage at the lower end to 80 % losses of grain yields at the higher end. This essay aims to help understand such divergent predictions by clarifying the concepts of weather and climate. First, the widely-read panel fixed effects models capture only the impacts of weather fluctuations but not of climate normals. Random weather fluctuations and climatic shifts are two different meteorological events and they have distinct implications on farming decisions. The former is perceived as random while the latter is perceived as non-random by the farmers. Using the historical corn yield data in the US, I explain the differences between the impact of random weather and that of climate change. Second, adaptation strategies to climatic changes and increased climate risks cannot be accounted for by the panel fixed effects models. Using the farm household data collected in sub-Saharan Africa and Latin America, I discuss quantitative significance of modeling adaptation strategies in the estimates of climate damage. Distinction between random weather fluctuations and climatic shifts is critical in modeling farming decisions, as they are fundamental to climate science, but is poorly understood by the impact researchers. 相似文献
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2009年起,研究组开展了电线积冰野外观测试验及道路结冰规律的观测研究,将电线积冰观测研究从传统的积冰气象条件和积冰厚度观测提升到了积冰气象条件、积冰厚度加积冰天气云降水微物理综合观测研究的新高度,揭示了积冰发生的微物理机制,研究积冰增长率及其影响因子,建立的积冰增长模型较好地模拟了积冰增长过程。对沥青、水泥、土壤三种下垫面温度进行了观测研究,观测高速公路和桥梁不同路基深度的温度变化,并对桥面比路面更易结冰的现象从能量平衡方面做了理论解释。本文以作者团队取得的成果为主线,不求大而全,学习梳理相关的代表性研究成果,主要包括积冰发生频次的时空分布、积冰天气微物理特征、积冰增长率及其影响因子、积冰气象条件、积冰增长模型构建、道路结冰及积冰数值预报等几个方面,并对电线积冰未来的研究提出了建议。 相似文献
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Design of agricultural insurance policy for tea tree freezing damage in Zhejiang Province, China 总被引：3，自引：0，他引：3
This paper proposes a method to design freezing damage policy-based agricultural insurance contracts for tea trees (an economic crop) in the Zhejiang Province of China, using a weather index. Data of economic losses caused by freezing damage, and the beginning dates of tea plucking (BDTP) from the Agricultural Bureau of each county in Zhejiang Province and tea planters, and meteorological observations were collected to establish the prediction model for BDTP, and to determine the relationship between economic loss rates caused by freezing damage at or before BDTP, and the minimum temperatures for “Wuniuzao,” “Longjing-43,” and “Jiukeng” teas. Based on the information diffusion theoretical model, occurrence probabilities of BDTP from 1 February to 20 April and lower temperatures at different levels are calculated. Then, the insurance premium rates of the three tea tree species can be estimated. Lastly, the tea tree freezing damage insurance contracts are designed, combining the advantages of regional yield-based index insurance and weather-based index insurance. 相似文献
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Stanley A. Changnon 《Climatic change》2011,106(2):129-140
The temporal distributions of the nation’s four major storm types during 1950–2005 were assessed, including those for thunderstorms,
hurricanes, tornadoes, and winter storms. Storms are labeled as catastrophes, defined as events causing $1 million or more
in property losses, based on time-adjusted data provided by the insurance industry. Most catastrophic storms occurred in the
eastern half of the nation. Analysis of the regional and national storm frequencies revealed there was little time-related
relationship between storm types, reflecting how storm types were reported. That is, when tornadoes occurred with thunderstorms,
the type producing the greatest losses was the one identified by the insurance industry, not both. Temporal agreement was
found in the timing of relatively high incidences of thunderstorms, hurricanes, and winter storms during 2002–2005. This resulted
in upward time trends in the national losses of hurricane and thunderstorm catastrophes, The temporal increase in hurricanes
is in agreement with upward trends in population density, wealth, and insurance coverage in Gulf and East coastal areas. The
upward trends in thunderstorm catastrophes and losses result from increases in heavy rain days, floods, high winds, and hail
days, revealing that atmospheric conditions conducive to strong convective activity have been increasing since the 1960s.
Tornado catastrophes and their losses peaked in 1966–1973 and had no upward time trend. Temporal variability in tornado catastrophes
was large, whereas the variability in hurricane and thunderstorm catastrophes was only moderate, and that for winter storms
was low. 相似文献
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针对无人值守大规模自动气象站的数据采集特点和要求,基于无线通信网络,设计了一种浪涌气象数据采集系统,并对其关键技术进行了深入讨论.首先,分析了系统数据传输的协议结构及存在的问题,设计了基于UDP协议的可靠应用协议,并就其工作过程及可靠性传输进行了详细的讨论,解决了无线数据传输的不稳定性问题;然后,利用多线程技术和大规模通信事件响应处理技术,提出了实现数据接收线程池的方法,通过引入"数据分区管理"的概念,论述了数据并发处理缓冲区的设计,解决了大并发系统容易丢失数据、堵塞和低效率等问题;最后,通过对系统测试及其在业务中应用的分析,表明该系统实时、高效、可靠,能满足目前业务的需求,并对未来业务的发展具有同样的适应性. 相似文献
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文章从气象灾害入手,以气象灾害应急管理为核心,着重探讨了气象灾害防御应急管理的重要性,并结合我国应急管理体制的特点和运行机制提出了加强应急管理工作、提升应急管理水平的方法和措施。 相似文献