洪水保险的理论分析与研究

简述了目前一些国家的洪水保险的现状,综合应用了经济学、保险学、系统工程等理论和知识,对洪水保险问题进行了深入分析和研究,揭示了洪水保险的内在性质和规律,建立了洪水保险的效用模型。结合我国的国情,对我国实施洪水保险提出了建议。     

Characterizing flood hazard risk in data-scarce areas,using a remote sensing and GIS-based flood hazard index

The frequency in occurrence and severity of floods has increased globally. However, many regions around the globe, especially in developing countries, lack the necessary field monitoring data to characterize flood hazard risk. This paper puts forward methodology for developing flood hazard maps that define flood hazard risk, using a remote sensing and GIS-based flood hazard index (FHI), for the Nyamwamba watershed in western Uganda. The FHI was compiled using analytical hierarchy process and considered slope, flow accumulation, drainage network density, distance from drainage channel, geology, land use/cover and rainfall intensity as the flood causative factors. These factors were derived from Landsat, SRTM and PERSIANN remote sensing data products, except for geology that requires field data. The resultant composite FHI yielded a flood hazard map pointing out that over 11 and 18% of the study area was very highly and highly susceptible to flooding, respectively, while the remaining area ranged from medium to very low risk. The resulting flood hazard map was further verified using inundation area of a historical flood event in the study area. The proposed methodology was effective in producing a flood hazard map at the watershed local scale, in a data-scarce region, useful in devising flood mitigation measures.     

Recognition of debris flow,debris flood and flood hazard through watershed morphometrics

Debris flows, debris floods and floods in mountainous areas are responsible for loss of life and damage to infrastructure, making it important to recognize these hazards in the early stage of planning land developments. Detailed terrain information is seldom available and basic watershed morphometrics must be used for hazard identification. An existing model uses watershed area and relief (the Melton ratio) to differentiate watersheds prone to flooding from those subject to debris flows and debris floods. However, the hazards related to debris flows and debris floods are not the same, requiring further differentiation. Here, we demonstrate that a model using watershed length combined with the Melton ratio can be used to differentiate debris-flow and debris-flood prone watersheds. This model was tested on 65 alluvial and colluvial fans in west central British Columbia, Canada, that were examined in the field. The model correctly identified 92% of the debris-flow, 83% of the debris-flood, and 88% of the flood watersheds. With adaptation for different regional conditions, the use of basic watershed morphometrics could assist land managers, scientists, and engineers with the identification of hydrogeomorphic hazards on fans elsewhere.     

洪水保险债券的运作机制与发展思路

由于传统(再)保险,难以将洪灾风险进行有效的分散,因此,有必要寻求有效的金融工具将洪灾风险向资本市场转移。在建立洪水保险债券的概念框架基础上,阐述了与普通债券及传统再保险的区别。从经济学和精算学的角度对洪水保险债券进行分析,揭示了洪水保险债券定价机制。通过研究洪水保险债券的运作模式,分析了我国洪水保险债券的发行条件与发展思路,指出洪水保险债券为我国防洪减灾提供了可资借鉴的崭新方法与工具。     

山区小流域洪水分布模式模拟与危险性评估

流域暴雨山洪过程时空异质性强,准确评估雨洪变化特性和洪水危险性对山洪灾害防治具有重要意义。以7个降雨特征指标和6个洪水特征指标刻画流域场次雨洪特性,采用中国山洪水文模型和洪水频率指标相结合,模拟和评估口前流域洪水过程及其危险性。结果表明：场次洪水洪峰模数、洪峰时间偏度、高脉冲历时占比、涨落洪速率与降雨总量、平均雨量、最大雨强、雨峰位置系数、基尼系数等降雨特征指标显著相关,三场致灾洪水过程的降雨均呈现量级大、强度大、历时短、暴雨中心偏中下游的特点;率定期和验证期的平均径流深相对误差均在9%以内,平均洪峰流量相对误差均在11%以内,平均峰现时间误差均在1.7 h以内,平均Nash-Sutcliffe系数为0.80和0.76;各场次洪水有0.0%～93.3%的河段流量达到一般危险及以上等级,三场致灾洪水过程的危险性等级最高,分别有80.0%、35.0%和1.7%的小流域河段流量达到高危险及以上等级。研究可为山区小流域暴雨洪水危险性评估、灾害响应和复盘等提供技术支撑。     

Juggling through Ghanaian urbanisation: flood hazard mapping of Kumasi

More recently, driven by rapid and unguided urbanisation and climate change, Ghanaian cities are increasingly becoming hotspots for severe flood-related events. This paper reviews urbanisation dynamics in Ghanaian cities, and maps flood hazard zones and access to flood relief services in Kumasi, drawing insight from multi-criteria analysis and spatial network analysis using ArcGIS 10.2. Findings indicate that flood hazard zones in Kumasi have been created by natural (e.g., climate change) and anthropogenic (e.g., urbanisation) factors, and the interaction thereof. While one would have expected the natural factors to guide, direct and steer the patterns of urban development from flood hazard zones, the GIS analysis shows that anthropogenic factors, particularly urbanisation, are increasingly concentrating population and physical structures in areas liable to flooding in the urban environment. This situation is compounded by rapid land cover/use changes and widespread haphazard development across the city. Regrettably, findings show that urban residents living in flood hazard zones in Kumasi are also geographically disadvantaged in terms of access to emergency services compared to those living in well-planned neighbourhoods.     

Community responses and adaptation strategies toward flood hazard in Jakarta,Indonesia

Natural Hazards - Jakarta, as the capital of the Republic of Indonesia, has long been known to be at risk from flood hazard. It is increasingly recognized that community responses and adaptation...     

Simulating storm surge waves for structural vulnerability estimation and flood hazard mapping

Natural Hazards - Wave action during storm surge is a common cause of building damage and therefore a critical consideration when estimating structural vulnerability and mapping flood risk....     

基于RS/GIS的城市财产保险洪灾损失评估研究

如何快速,有效地进行投保户洪涝灾害损失评估是保险行业急需解决的一个重要课题.从洪涝灾害的成灾机理出发,针对保险公司对具体受灾体理赔需求,提出了计算每个投保户洪灾损失率方法,建立基于遥感(RS)和地理信息系统(GIS)的城市财产保险洪涝灾害损失评估模型.建模时较全面地考虑了与投保物性质有关的承灾体易损度和与投保物所处环境有关的地基承载力等因素,并使用RS/GIS将其定量化提取.最后使用广东省深圳市洪灾数据进行模型检验.验证结果表明,模型对于各个投保户均能得到较好的精度.     

Municipal flood hazard mapping: the case of British Columbia,Canada

Historical responses to flood hazards have stimulated development in hazardous areas. Scholars recommend an alternative approach to reducing flood losses that combines flood hazard mapping with land use planning to identify and direct development away from flood-prone areas. Creating flood hazard maps to inform municipal land use planning is an expensive and complex process that can require resources not always available at the municipal government level. Senior levels of government in some countries have addressed deficiencies in municipal capacity by assuming an active role in producing municipal flood hazard maps. In other countries, however, senior governments do not contribute to municipal flood hazard mapping. Despite a large body of research on the importance of municipal land use planning for addressing flood hazards, little is known about the extent of flood hazard information that is available to municipalities that do not receive outside assistance from senior governments for flood hazard mapping. We assess the status of flood hazard maps in British Columbia, where municipalities do not receive outside assistance in creating the maps. Our analysis shows that these maps are generally outdated and/or lacking a variety of features that are critical for supporting effective land use planning. We recommend that senior levels of government play an active role in providing municipalities with (1) detailed and current information regarding flood hazards in their jurisdiction and (2) compelling incentives to utilize this information.     

Assessing flood hazard using flood marks and analytic hierarchy process approach: a case study for the 2013 flood event in Quang Nam,Vietnam

The production of flood hazard assessment maps is an important component of flood risk assessment. This study analyses flood hazard using flood mark data. The chosen case study is the 2013 flood event in Quang Nam, Vietnam. The impacts of this event included 17 deaths, 230 injuries, 91,739 flooded properties, 11,530 ha of submerged and damaged agricultural land, 85,080 animals killed and widespread damage to roads, canals, dykes and embankments. The flood mark data include flood depth and flood duration. Analytic hierarchy process method is used to assess the criteria and sub-criteria of the flood hazard. The weights of criteria and sub-criteria are generated based on the judgements of decision-makers using this method. This assessment is combined into a single map using weighted linear combination, integrated with GIS to produce a flood hazard map. Previous research has usually not considered flood duration in flood hazard assessment maps. This factor has a rather strong influence on the livelihood of local communities in Quang Nam, with most agricultural land within the floodplain. A more comprehensive flood hazard assessment mapping process, with the additional consideration of flood duration, can make a significant contribution to flood risk management activities in Vietnam.     

Public perception of flood hazard and flood risk in Iceland: a case study in a watershed prone to ice-jam floods

Understanding and improving the public perception has become an important element in the management of flood risk worldwide. In Iceland, studying perception of flood hazard and flood risk is, however, in its early stages. This paper presents a case study on the public perception of flood hazard and flood risk in an Icelandic town prone to ice-jam floods. Awareness of the population regarding historical inundations, self estimation of flood risk and worry is considered. The factual knowledge of the residents is deconstructed in flood hazard parameters accessible to the lay population: number of events, dates, genesis and boundaries. The performance of the respondents is rated for each parameter and the influence of several predictors evaluated. The research shows three significant patterns: there is poor awareness and little worry about historical inundations in the area; experience of the past flooding events in town is the most effective source of knowledge; awareness, risk estimation and worry are not correlated.     

Integration of inland and coastal storms for flood hazard assessment using a distributed hydrologic model

Due to increasing flood severities and frequencies, studies on coastal vulnerability assessment are of increasing concern. Evaluation of flood inundation depth and extent is the first issue in flood vulnerability analysis. This study has proposed a practical framework for reliable coastal floodplain delineation considering both inland and coastal flooding. New York City (NYC) has been considered as the case study because of its vulnerability to storm surge-induced hazards. For floodplain delineation, a distributed hydrologic model is used. In the proposed method, the severities of combined inland and coastal floods for different recurrence intervals are determined. Through analyzing past storms in the study region, a referenced (base) configuration of rainfall and storm surge is selected to be used for defining flood scenarios with different return periods. The inundated areas are determined under different flooding scenarios. The inundation maps of 2012 superstorm Sandy in NYC is simulated and compared with the FEMA revised maps which shows a close agreement. This methodology could be of significant value to the planners and engineers working on the preparedness of coastal urban communities against storms by providing a platform for updating inundation maps as new events are observed and new information becomes available.     

Urbanization and its impact on flood hazard: the case of Addis Ababa,Ethiopia

Natural Hazards - Rapid urbanization has become and will continue to be an inevitable and inescapable phenomenon in the developing world. Unplanned expansion of cities and the impacts of climate...     

北京市门头沟区洪水地质灾害遥感调查评价

文章叙述了北京市门头沟地区洪水、泥石流等灾害遥感技术调查的概况。对该区主要灾害的类型及其危害程度作了评价，同时按受害程度，将村镇分为4类，并对每类村镇应采取的措施，提出了具体意见。对日后可能发生严重灾害的潜在因素进行了分析，并对灾害的防治提出建议。     

2013年西藏嘉黎县“7.5”冰湖溃决洪水成因及潜在危害

冰湖溃决洪水（泥石流）是西藏自治区主要自然灾害之一. 2013年7月5日,西藏自治区嘉黎县忠玉乡发生“7.5”冰湖溃决洪水灾害事件,导致人员失踪,房屋被毁,桥梁、道路等基础设施遭到严重破坏,直接经济损失高达2.7亿元. 基于不同时间段地形图和遥感影像资料,利用地理信息技术,发现导致“7.5”洪灾的溃决冰湖为然则日阿错. 该冰湖溃决的直接诱因可能是雪崩和冰崩的共同作用,溃决前的强降水过程及气温的快速上升是其间接原因,而冰湖长期稳定的扩张导致水量聚集是其溃决并造成巨大灾害的基础. 然则日阿错溃决后形成2个冰湖,面积分别为0.25 km²和0.01 km²,再次发生溃决的概率极小. 这次溃决洪水和泥石流灾害事件阻塞了尼都藏布的罗琼沟及衣布沟,并形成2处面积分别为0.33 km²和0.13 km²堰塞湖,且存在溃决风险,在今后一段时间内应加强监测工作与排险工程实施.