Promoting flood risk reduction: the role of insurance in Germany and England

Improving society's ability to prepare for, respond to and recover from flooding requires integrated, anticipatory flood risk management (FRM) . However, most countries still focus their efforts on responding to flooding events if and when they occur rather than addressing their current and future vulnerability to flooding. Flood insurance is one mechanism that could a more ex-ante approach to risk by supporting risk reduction activities. This paper uses an adapted version of Easton's System Theory to investigate the role of insurance for FRM in Germany and England. We introduce an anticipatory FRM framework, which allows to consider flood insurance as part of a broader policy field. We analyse if and how flood insurance can catalyse a change towards a more anticipatory approach to FRM. In particular we consider insurance's role in influencing five key components of an anticipatory FRM: risk knowledge, prevention through better planning, property-level protection measures, structural protection and preparedness (for response). We find that in both countries FRM is still a reactive, event-driven process, while anticipatory FRM remains underdeveloped. However, collaboration between insurers and FRM decision-makers has already been successful, for example in improving risk knowledge and awareness, while in other areas insurance acts as a disincentive for more risk reduction action. In both countries there is evidence that insurance can play a significant role in encouraging anticipatory FRM, but this remains underutilized. Effective collaboration between insurers and government, should not be seen as a cost, but as an investment to secure future insurability through flood resilience

Frequency analysis of critical meteorological conditions in a changing climate - Assessing future implications for railway transportation in Austria

Meteorological extreme events have great potential for damaging railway infrastructure and posing risk to the safety of train passengers. In the future, climate change will presumably have serious implications on meteorological hazards in the Alpine region. Hence, attaining insights on future frequencies of meteorological extremes with relevance for the railway operation in Austria is required in the context of a comprehensive and sustainable natural hazard management of the railway operator. In this study, possible impacts of climate change on the frequencies of so-called critical meteorological conditions (CMCs) between the periods 1961-1990 and 2011-2040 are analysed. Thresholds for such CMCs have been defined by the railway operator and used in its weather monitoring and early warning system. First, the seasonal climate change signals for air temperature and precipitation in Austria are described on the basis of an ensemble of high-resolution Regional Climate Model (RCM) simulations for Europe. Subsequently, the RCM-ensemble was used to investigate changes in the frequency of CMCs. Finally, the sensitivity of results is analysed with varying threshold values for the CMCs. Results give robust indications for an all-season air temperature rise, but show no clear tendency in average precipitation. The frequency analyses reveal an increase in intense rainfall events and heat waves, whereas heavy snowfall and cold days are likely to decrease. Furthermore, results indicate that frequencies of CMCs are rather sensitive to changes of thresholds. It thus emphasizes the importance to carefully define, validate and – if needed – to adapt the thresholds that are used in the weather monitoring and warning system of the railway operator. For this, continuous and standardized documentation of damaging events and near-misses is a pre-requisite.JRC.H.7-Climate Risk Managemen

Short contribution on adaptive behaviour of flood-prone companies: A pilot study of Dresden-Laubegast Germany

Integrated flood management strategies consider property-level precautionary measures as a vital part. Whereas this is a well-researched topic for residents, little is known about the adaptive behaviour of flood-prone companies although they often settle on the ground floor of buildings and are thus among the first affected by flooding. This pilot study analyses flood responses of 64 businesses in a district of the city of Dresden, Germany that experienced major flooding in 2002 and 2013. Using standardised survey data and accompanying qualitative interviews, the analyses revealed that the largest driver of adaptive behaviour is experiencing flood events. Intangible factors such as tradition and a sense of community play a role for the decision to stay in the area, while lacking ownership might hamper property-level adaptation. Further research is also needed to understand the role of insurance and governmental aid for recovery and adaptation of businesses

Brief communication: Sendai framework for disaster risk reduction – success or warning sign for Paris?

In March 2015, a new international blueprint for disaster risk reduction (DRR) was adopted in Sendai, Japan, at the end of the Third UN World Conference on Disaster Risk Reduction (WCDRR, 14–18 March 2015). We review and discuss the agreed commitments and targets, as well as the negotiation leading the Sendai Framework for DRR (SFDRR) and discuss briefly its implication for the later UN-led negotiations on sustainable development goals and climate change

Using Panel Data to Understand the Dynamics of Human Behavior in Response to Flooding

Insights into the dynamics of human behavior in response to flooding are urgently needed for the development of effective integrated flood risk management strategies, and for integrating human behavior in flood risk modeling. However, our understanding of the dynamics of risk perceptions, attitudes, individual recovery processes, as well as adaptive (i.e., risk reducing) intention and behavior are currently limited because of the predominant use of cross-sectional surveys in the flood risk domain. Here, we present the results from one of the first panel surveys in the flood risk domain covering a relatively long period of time (i.e., four years after a damaging event), three survey waves, and a wide range of topics relevant to the role of citizens in integrated flood risk management. The panel data, consisting of 227 individuals affected by the 2013 flood in Germany, were analyzed using repeated-measures ANOVA and latent class growth analysis (LCGA) to utilize the unique temporal dimension of the data set. Results show that attitudes, such as the respondents’ perceived responsibility within flood risk management, remain fairly stable over time. Changes are observed partly for risk perceptions and mainly for individual recovery and intentions to undertake risk-reducing measures. LCGA reveal heterogeneous recovery and adaptation trajectories that need to be taken into account in policies supporting individual recovery and stimulating societal preparedness. More panel studies in the flood risk domain are needed to gain better insights into the dynamics of individual recovery, risk-reducing behavior, and associated risk and protective factors

The flood of June 2013 in Germany: how much do we know about its impacts?

In June 2013, widespread flooding and consequent damage and losses occurred in Central Europe, especially in Germany. This paper explores what data are available to investigate the adverse impacts of the event, what kind of information can be retrieved from these data and how well data and information fulfil requirements that were recently proposed for disaster reporting on the European and international levels. In accordance with the European Floods Directive (2007/60/EC), impacts on human health, economic activities (and assets), cultural heritage and the environment are described on the national and sub-national scale. Information from governmental reports is complemented by communications on traffic disruptions and surveys of flood-affected residents and companies. Overall, the impacts of the flood event in 2013 were manifold. The study reveals that flood-affected residents suffered from a large range of impacts, among which mental health and supply problems were perceived more seriously than financial losses. The most frequent damage type among affected companies was business interruption. This demonstrates that the current scientific focus on direct (financial) damage is insufficient to describe the overall impacts and severity of flood events. The case further demonstrates that procedures and standards for impact data collection in Germany are widely missing. Present impact data in Germany are fragmentary, heterogeneous, incomplete and difficult to access. In order to fulfil, for example, the monitoring and reporting requirements of the Sendai Framework for Disaster Risk Reduction 2015–2030 that was adopted in March 2015 in Sendai, Japan, more efforts on impact data collection are needed

Toward an adequate level of detail in flood risk assessments

Flood risk assessments require different disciplines to understand and model the underlying components hazard, exposure, and vulnerability. Many methods and data sets have been refined considerably to cover more details of spatial, temporal, or process information. We compile case studies indicating that refined methods and data have a considerable effect on the overall assessment of flood risk. But are these improvements worth the effort? The adequate level of detail is typically unknown and prioritization of improvements in a specific component is hampered by the lack of an overarching view on flood risk. Consequently, creating the dilemma of potentially being too greedy or too wasteful with the resources available for a risk assessment. A “sweet spot” between those two would use methods and data sets that cover all relevant known processes without using resources inefficiently. We provide three key questions as a qualitative guidance toward this “sweet spot.” For quantitative decision support, more overarching case studies in various contexts are needed to reveal the sensitivity of the overall flood risk to individual components. This could also support the anticipation of unforeseen events like the flood event in Germany and Belgium in 2021 and increase the reliability of flood risk assessments