Estimation of insurance-related losses resulting from coastal flooding in France

A model has been developed in order to estimate insurance-related losses caused by coastal flooding in France. The deterministic part of the model aims at identifying the potentially flood-impacted sectors and the subsequent insured losses a few days after the occurrence of a storm surge event on an...

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Main Authors: J. P. Naulin, D. Moncoulon, S. Le Roy, R. Pedreros, D. Idier, C. Oliveros
Format: Article
Language:English
Published: Copernicus Publications 2016-01-01
Series:Natural Hazards and Earth System Sciences
Online Access:http://www.nat-hazards-earth-syst-sci.net/16/195/2016/nhess-16-195-2016.pdf
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spelling doaj-ecdf6a8acbcb4742a5ff9ef7c8a03c952020-11-24T22:00:33ZengCopernicus PublicationsNatural Hazards and Earth System Sciences1561-86331684-99812016-01-0116119520710.5194/nhess-16-195-2016Estimation of insurance-related losses resulting from coastal flooding in FranceJ. P. Naulin0D. Moncoulon1S. Le Roy2R. Pedreros3D. Idier4C. Oliveros5CCR, 157 bd. Haussmann, 75008 Paris, FranceCCR, 157 bd. Haussmann, 75008 Paris, FranceBRGM, 3 av. C. Guillemin, 45060 Orléans, FranceBRGM, 3 av. C. Guillemin, 45060 Orléans, FranceBRGM, 3 av. C. Guillemin, 45060 Orléans, FranceBRGM, 3 av. C. Guillemin, 45060 Orléans, FranceA model has been developed in order to estimate insurance-related losses caused by coastal flooding in France. The deterministic part of the model aims at identifying the potentially flood-impacted sectors and the subsequent insured losses a few days after the occurrence of a storm surge event on any part of the French coast. This deterministic component is a combination of three models: a hazard model, a vulnerability model, and a damage model. The first model uses the PREVIMER system to estimate the water level resulting from the simultaneous occurrence of a high tide and a surge caused by a meteorological event along the coast. A storage-cell flood model propagates these water levels over the land and thus determines the probable inundated areas. The vulnerability model, for its part, is derived from the insurance schedules and claims database, combining information such as risk type, class of business, and insured values. The outcome of the vulnerability and hazard models are then combined with the damage model to estimate the event damage and potential insured losses. This system shows satisfactory results in the estimation of the magnitude of the known losses related to the flood caused by the Xynthia storm. However, it also appears very sensitive to the water height estimated during the flood period, conditioned by the junction between seawater levels and coastal topography, the accuracy for which is still limited by the amount of information in the system.http://www.nat-hazards-earth-syst-sci.net/16/195/2016/nhess-16-195-2016.pdf
collection DOAJ
language English
format Article
sources DOAJ
author J. P. Naulin
D. Moncoulon
S. Le Roy
R. Pedreros
D. Idier
C. Oliveros
spellingShingle J. P. Naulin
D. Moncoulon
S. Le Roy
R. Pedreros
D. Idier
C. Oliveros
Estimation of insurance-related losses resulting from coastal flooding in France
Natural Hazards and Earth System Sciences
author_facet J. P. Naulin
D. Moncoulon
S. Le Roy
R. Pedreros
D. Idier
C. Oliveros
author_sort J. P. Naulin
title Estimation of insurance-related losses resulting from coastal flooding in France
title_short Estimation of insurance-related losses resulting from coastal flooding in France
title_full Estimation of insurance-related losses resulting from coastal flooding in France
title_fullStr Estimation of insurance-related losses resulting from coastal flooding in France
title_full_unstemmed Estimation of insurance-related losses resulting from coastal flooding in France
title_sort estimation of insurance-related losses resulting from coastal flooding in france
publisher Copernicus Publications
series Natural Hazards and Earth System Sciences
issn 1561-8633
1684-9981
publishDate 2016-01-01
description A model has been developed in order to estimate insurance-related losses caused by coastal flooding in France. The deterministic part of the model aims at identifying the potentially flood-impacted sectors and the subsequent insured losses a few days after the occurrence of a storm surge event on any part of the French coast. This deterministic component is a combination of three models: a hazard model, a vulnerability model, and a damage model. The first model uses the PREVIMER system to estimate the water level resulting from the simultaneous occurrence of a high tide and a surge caused by a meteorological event along the coast. A storage-cell flood model propagates these water levels over the land and thus determines the probable inundated areas. The vulnerability model, for its part, is derived from the insurance schedules and claims database, combining information such as risk type, class of business, and insured values. The outcome of the vulnerability and hazard models are then combined with the damage model to estimate the event damage and potential insured losses. This system shows satisfactory results in the estimation of the magnitude of the known losses related to the flood caused by the Xynthia storm. However, it also appears very sensitive to the water height estimated during the flood period, conditioned by the junction between seawater levels and coastal topography, the accuracy for which is still limited by the amount of information in the system.
url http://www.nat-hazards-earth-syst-sci.net/16/195/2016/nhess-16-195-2016.pdf
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