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| Titel |
National flood modelling for insurance purposes: using IFSAR for flood risk estimation in Europe |
| VerfasserIn |
R. Sanders, F. Shaw, H. MacKay, H. Galy, M. Foote |
| Medientyp |
Artikel
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| Sprache |
Englisch
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| ISSN |
1027-5606
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| Digitales Dokument |
URL |
| Erschienen |
In: Hydrology and Earth System Sciences ; 9, no. 4 ; Nr. 9, no. 4 (2005-10-07), S.449-456 |
| Datensatznummer |
250006974
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| Publikation (Nr.) |
 copernicus.org/hess-9-449-2005.pdf |
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| Zusammenfassung |
| Flood risk poses a major problem for insurers and governments who ultimately
pay the financial costs of losses resulting from flood events. Insurers
therefore face the problem of how to assess their exposure to floods and how
best to price the flood element of their insurance products. This paper looks
at the insurance implications of recent flood events in Europe and the issues
surrounding insurance of potential future events. In particular, the paper
will focus on the flood risk information needs of insurers and how these can
be met. The data requirements of national and regional flood models are
addressed in the context of the accuracy of available data on property
location. Terrain information is generally the weakest component of
sophisticated flood models. Therefore, various sources of digital terrain
models (DTM) are examined and discussed with consideration of the vertical
and horizontal accuracy, the speed of acquisition, the costs and the
comprehensiveness of the data. The NEXTMap DTM series from Intermap
Technologies Inc. is proposed as a suitable DTM for flood risk identification
and mapping, following its use in the UK. Its acquisition, processing and
application is described and future plans discussed. Examples are included of
the application of flood information to insurance property information and
the potential benefits and advantages of using suitable hazard modelling data
sources are detailed. |
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