TY - RPRT
T1 - Faktorer der influerer på forsikringsudbetalinger i forbindelse med stormflod og skybrud i Danmark
AU - Panduro, Toke Emil
AU - Gedefaw Abate, Tenaw
PY - 2024/1/24
Y1 - 2024/1/24
N2 - The increasing frequency and intensity of extreme weather events due to climate change, particularly those involving heavy rainfall and coastal flooding, highlight the need to understand their economic impacts. This study examines the factors influencing the financial costs of flood events using data on insurance payouts. Key findings reveal that property elevation, size, age, the presence of basements, building materials, and heating systems significantly affect insurance compensation. Properties in lower terrains and newer, smaller houses generally receive lower payouts, especially in coastal flood contexts. Additionally, spatial and temporal factors are crucial, as properties in high-value areas tend to receive higher insurance payouts. The study underscores the complex interplay of vulnerability, landscape, land use, and event-specific weather conditions. Future research should explore interactions between variables, develop tailored models for different housing types, and conduct detailed analyses of insurance cost components. Expanding flood probability assessments across Denmark and integrating these into economic evaluations could enhance understanding and policy development for climate-related challenges.
AB - The increasing frequency and intensity of extreme weather events due to climate change, particularly those involving heavy rainfall and coastal flooding, highlight the need to understand their economic impacts. This study examines the factors influencing the financial costs of flood events using data on insurance payouts. Key findings reveal that property elevation, size, age, the presence of basements, building materials, and heating systems significantly affect insurance compensation. Properties in lower terrains and newer, smaller houses generally receive lower payouts, especially in coastal flood contexts. Additionally, spatial and temporal factors are crucial, as properties in high-value areas tend to receive higher insurance payouts. The study underscores the complex interplay of vulnerability, landscape, land use, and event-specific weather conditions. Future research should explore interactions between variables, develop tailored models for different housing types, and conduct detailed analyses of insurance cost components. Expanding flood probability assessments across Denmark and integrating these into economic evaluations could enhance understanding and policy development for climate-related challenges.
M3 - Rapport
VL - 2024
BT - Faktorer der influerer på forsikringsudbetalinger i forbindelse med stormflod og skybrud i Danmark
PB - Aarhus Universitet - DCA - Nationalt Center for Fødevarer og Jordbrug
CY - Aarhus Universitet, Institut for miljøvidenskab
ER -