DOI: 10.1016/j.crm.2014.03.001
Scopus记录号: 2-s2.0-84900456980
论文题名: The robustness of flood insurance regimes given changing risk resulting from climate change
作者: Lamond J. ; Penning-Rowsell E.
刊名: Climate Risk Management
ISSN: 22120963
出版年: 2014
卷: 2 起始页码: 1
结束页码: 10
语种: 英语
英文关键词: Adaptation
; Climate change
; Disaster risk reduction
; Floods/prediction planning
; Insurance and risk
英文摘要: The changing risk of flooding associated with climate change presents different challenges for the different flood insurance market models in use around the world, which vary in respect of consumer structure and their risk transfer mechanism. A review of international models has been undertaken against three broad criteria for the functioning and sustainability of a flood insurance scheme: knowing the nature of the insurable risk; the availability of an insurable population; and the presence of a solvent insurer. The solvency of insurance markets appears strong, partly because insurers and reinsurers can choose to exclude markets which would give rise to insolvency or can diversify their portfolios to include offsetting perils. Changing risk may threaten solvency if increasing risk is not recognised and adjusted for but insurability of flood risk may be facilitated by the use of market based and hybrid schemes offering greater diversification and more flexibility. While encouragement of mitigation is in theory boosted by risk based pricing, availability and affordability of insurance may be negatively impacted. This threatens the sustainability of an insurable population, therefore the inclusion of the state in partnership is beneficial in ensuring continuity of cover, addressing equity issues and incentivising mitigation. © 2014. Citation statistics:
资源类型: 期刊论文
标识符: http://119.78.100.158/handle/2HF3EXSE/59082
Appears in Collections: 气候变化与战略
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作者单位: Centre for Floods, Communities and Resilience, University of the West of England, Faculty of Environment and Technology, Frenchay Campus, Coldharbour Lane, Bristol BS16 1QY, United Kingdom; Flood Hazard Research Centre, Middlesex University, Bramley Road, London N14 4YZ, United Kingdom
Recommended Citation:
Lamond J.,Penning-Rowsell E.. The robustness of flood insurance regimes given changing risk resulting from climate change[J]. Climate Risk Management,2014-01-01,2