Natural Hazards and Earth System Sciences
Natural Hazards and Earth System Sciences
NHESS
Articles | Volume 24, issue 8
Articles | Volume 24, issue 8
https://doi.org/10.5194/nhess-24-2923-2024
© Author(s) 2024. This work is distributed under
the Creative Commons Attribution 4.0 License.
https://doi.org/10.5194/nhess-24-2923-2024
© Author(s) 2024. This work is distributed under
the Creative Commons Attribution 4.0 License.
Articles | Volume 24, issue 8
Research article
 | 
30 Aug 2024
Research article |  | 30 Aug 2024

Exploring the use of seasonal forecasts to adapt flood insurance premiums

Viet Dung Nguyen, Jeroen Aerts, Max Tesselaar, Wouter Botzen, Heidi Kreibich, Lorenzo Alfieri, and Bruno Merz

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Short summary
Our study explored how seasonal flood forecasts could enhance insurance premium accuracy. Insurers traditionally rely on historical data, yet climate fluctuations influence flood risk. We employed a method that predicts seasonal floods to adjust premiums accordingly. Our findings showed significant year-to-year variations in flood risk and premiums, underscoring the importance of adaptability. Despite limitations, this research aids insurers in preparing for evolving risks.
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