文章基本信息

标题：Flood insurance rate map for non-structural mitigation
本地全文：下载
作者：Rasyikin Roslan ; Rohayu Che Omar ; M. Hara 等
期刊名称：E3S Web of Conferences
印刷版ISSN：2267-1242
电子版ISSN：2267-1242
出版年度：2019
卷号：76
页码：1-6
DOI：10.1051/e3sconf/20197603002
出版社：EDP Sciences
摘要：December 2014 flooding in Kelantan river basin caused severe damage to economic and social infrastructure and dealt a serious blow to Kelantan state economies. Mitigation of flood disaster can be successful only when detailed knowledge is obtained about the vulnerability of the people, buildings, infrastructure and economic activities in a flood risk area. Therefore, to identify a community's flood risk, pre-disaster financial instrument will be introduced as non-structural mitigation measures know as flood insurance rate map. This instrument will be developed based on geospatial technology using satellite images, topographic surveys, cadastral map, type of community building such as residential or commercial and households’ income. Flood hazard maps and flood insurance rate map will provide the flood risk zone and flood insurance rate and premium coverage for the affected community. In additions it helps to determine the type of flood insurance coverage is needed since standard homeowners’ insurance doesn't cover flooding. Flood insurance rate map will provide affordable insurance for property owners, based on the lower the degree of risk state in flood hazard map, the lower the flood insurance premium. These insurance rate map are valuable to communities because it creates safer environments by reducing loss of life and decreasing property damage, allows individuals to minimize post-flood disaster disruptions and to recover quicker.
其他摘要：December 2014 flooding in Kelantan river basin caused severe damage to economic and social infrastructure and dealt a serious blow to Kelantan state economies. Mitigation of flood disaster can be successful only when detailed knowledge is obtained about the vulnerability of the people, buildings, infrastructure and economic activities in a flood risk area. Therefore, to identify a community's flood risk, pre-disaster financial instrument will be introduced as non-structural mitigation measures know as flood insurance rate map. This instrument will be developed based on geospatial technology using satellite images, topographic surveys, cadastral map, type of community building such as residential or commercial and households’ income. Flood hazard maps and flood insurance rate map will provide the flood risk zone and flood insurance rate and premium coverage for the affected community. In additions it helps to determine the type of flood insurance coverage is needed since standard homeowners’ insurance doesn't cover flooding. Flood insurance rate map will provide affordable insurance for property owners, based on the lower the degree of risk state in flood hazard map, the lower the flood insurance premium. These insurance rate map are valuable to communities because it creates safer environments by reducing loss of life and decreasing property damage, allows individuals to minimize post-flood disaster disruptions and to recover quicker.