Risk Classifications for Flood Hazard Zoning
Date Issued
2008
Date
2008
Author(s)
Pan, Chi-Fang
Abstract
Situated at the border area between the Asia Continent and the Pacific Ocean, Taiwan is conducive to floods brought by typhoons and rainstorms because of its insular topography, latitude and monsoon climate. While floods have constantly been damaging the economy, the government can only provide a quite limited expenditure on emergencies. Therefore, the present research probes into the ways in which we can take advantage of the functions of risk segregation and transfer of insurance while facing flood hazards, so as to introduce the support of civil insurance companies and capital markets, to enhance citizens’ willingness to carry insurance, and to establish an effective flood insurance system. In this way, the flood risks of the government and the overall economic loss of the country can be reduced. The present research simulates the average annual flooding depth of Shi-Jr District, so as to establish an assessment standard for the potential of flood hazard. Besides, Natural-Break and manual methods are utilised to determine the different levels of flood hazards, and areas formed by roads and villages are used as the basis for flood hazard zoning, in which the residents respectively burden different flood hazards in different zones. Meanwhile, after setting up various simulated conditions for flood insurance and changing the proportions of insurance fee that first-floor residents and residents above the second floor should pay, this research also adopts a curve of the willingness to participate in flood insurance obtained by phone surveys, so as to observe the number of residents willing to assume insurance and the amount of insurance fee thus collected under various circumstances. According to the simulation, in a condition where the zoning and risk classification are done with Natural-Break and where the first-floor residents burden twice the insurance fee than residents above the second floor, there are most residents willing to assume insurance; the number of such residents is 20,977. Under the same circumstance except that the risk classification becomes manual, there are 20,920 residents willing to carry insurance. In situations without zoning, there are 19,202 such residents. As the simulation shows, citizens’ willingness to participate in insurance and assist in establishing a flood insurance system can be enhanced to a certain degree as areas with different levels of flood hazards are zoned spatially. However, the effects would not be too remarkable merely in this way. A more completed system for the zoning and classification of flood insurance can be achieved by establishing other index to judge the primary classifying index of flood hazards suitable for individual areas.
Subjects
flood risk
insurance
classification
zoning
flood hazard
SDGs
Type
thesis
File(s)![Thumbnail Image]()
Loading...
Name
ntu-97-R94622010-1.pdf
Size
23.53 KB
Format
Adobe PDF
Checksum
(MD5):457ab1ca0da320fe6682dbb59ead7f13