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.
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.
the Creative Commons Attribution 4.0 License.
Research article
| 
30 Aug 2024
Research article |
| 30 Aug 2024
| 30 Aug 2024
Exploring the use of seasonal forecasts to adapt flood insurance premiums
Viet Dung Nguyen
CORRESPONDING AUTHOR
Section Hydrology, Helmholtz Centre Potsdam, GFZ German Research Centre for Geosciences, 14473 Potsdam, Germany
Jeroen Aerts
Institute for Environmental Studies, Vrije Universiteit, Amsterdam, the Netherlands
Max Tesselaar
Institute for Environmental Studies, Vrije Universiteit, Amsterdam, the Netherlands
Wouter Botzen
Institute for Environmental Studies, Vrije Universiteit, Amsterdam, the Netherlands
Heidi Kreibich
Section Hydrology, Helmholtz Centre Potsdam, GFZ German Research Centre for Geosciences, 14473 Potsdam, Germany
Lorenzo Alfieri
CIMA Research Foundation, Savona, Italy
Bruno Merz
Section Hydrology, Helmholtz Centre Potsdam, GFZ German Research Centre for Geosciences, 14473 Potsdam, Germany
Institute of Environmental Science and Geography, University of Potsdam, 14476 Potsdam, Germany
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In some rivers, the occurrence of extreme flood events is more likely than in other rivers – they have heavy-tailed distributions. We find that threshold processes in the runoff generation lead to such a relatively high occurrence probability of extremes. Further, we find that beyond a certain return period, i.e. for rare events, rainfall is often the dominant control compared to runoff generation. Our results can help to improve the estimation of the occurrence probability of extreme floods.
Seth Bryant, Guy Schumann, Heiko Apel, Heidi Kreibich, and Bruno Merz
Hydrol. Earth Syst. Sci., 28, 575–588, https://doi.org/10.5194/hess-28-575-2024, https://doi.org/10.5194/hess-28-575-2024, 2024
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A new algorithm has been developed to quickly produce high-resolution flood maps. It is faster and more accurate than current methods and is available as open-source scripts. This can help communities better prepare for and mitigate flood damages without expensive modelling.
Lorenzo Alfieri, Andrea Libertino, Lorenzo Campo, Francesco Dottori, Simone Gabellani, Tatiana Ghizzoni, Alessandro Masoero, Lauro Rossi, Roberto Rudari, Nicola Testa, Eva Trasforini, Ahmed Amdihun, Jully Ouma, Luca Rossi, Yves Tramblay, Huan Wu, and Marco Massabò
Nat. Hazards Earth Syst. Sci., 24, 199–224, https://doi.org/10.5194/nhess-24-199-2024, https://doi.org/10.5194/nhess-24-199-2024, 2024
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This work describes Flood-PROOFS East Africa, an impact-based flood forecasting system for the Greater Horn of Africa. It is based on hydrological simulations, inundation mapping, and estimation of population and assets exposed to upcoming river floods. The system supports duty officers in African institutions in the daily monitoring of hydro-meteorological disasters. A first evaluation shows the system performance for the catastrophic floods in the Nile River basin in summer 2020.
Job C. M. Dullaart, Sanne Muis, Hans de Moel, Philip J. Ward, Dirk Eilander, and Jeroen C. J. H. Aerts
Nat. Hazards Earth Syst. Sci., 23, 1847–1862, https://doi.org/10.5194/nhess-23-1847-2023, https://doi.org/10.5194/nhess-23-1847-2023, 2023
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Coastal flooding is driven by storm surges and high tides and can be devastating. To gain an understanding of the threat posed by coastal flooding and to identify areas that are especially at risk, now and in the future, it is crucial to accurately model coastal inundation and assess the coastal flood hazard. Here, we present a global dataset with hydrographs that represent the typical evolution of an extreme sea level. These can be used to model coastal inundation more accurately.
Heidi Kreibich, Kai Schröter, Giuliano Di Baldassarre, Anne F. Van Loon, Maurizio Mazzoleni, Guta Wakbulcho Abeshu, Svetlana Agafonova, Amir AghaKouchak, Hafzullah Aksoy, Camila Alvarez-Garreton, Blanca Aznar, Laila Balkhi, Marlies H. Barendrecht, Sylvain Biancamaria, Liduin Bos-Burgering, Chris Bradley, Yus Budiyono, Wouter Buytaert, Lucinda Capewell, Hayley Carlson, Yonca Cavus, Anaïs Couasnon, Gemma Coxon, Ioannis Daliakopoulos, Marleen C. de Ruiter, Claire Delus, Mathilde Erfurt, Giuseppe Esposito, Didier François, Frédéric Frappart, Jim Freer, Natalia Frolova, Animesh K. Gain, Manolis Grillakis, Jordi Oriol Grima, Diego A. Guzmán, Laurie S. Huning, Monica Ionita, Maxim Kharlamov, Dao Nguyen Khoi, Natalie Kieboom, Maria Kireeva, Aristeidis Koutroulis, Waldo Lavado-Casimiro, Hong-Yi Li, Maria Carmen LLasat, David Macdonald, Johanna Mård, Hannah Mathew-Richards, Andrew McKenzie, Alfonso Mejia, Eduardo Mario Mendiondo, Marjolein Mens, Shifteh Mobini, Guilherme Samprogna Mohor, Viorica Nagavciuc, Thanh Ngo-Duc, Huynh Thi Thao Nguyen, Pham Thi Thao Nhi, Olga Petrucci, Nguyen Hong Quan, Pere Quintana-Seguí, Saman Razavi, Elena Ridolfi, Jannik Riegel, Md Shibly Sadik, Nivedita Sairam, Elisa Savelli, Alexey Sazonov, Sanjib Sharma, Johanna Sörensen, Felipe Augusto Arguello Souza, Kerstin Stahl, Max Steinhausen, Michael Stoelzle, Wiwiana Szalińska, Qiuhong Tang, Fuqiang Tian, Tamara Tokarczyk, Carolina Tovar, Thi Van Thu Tran, Marjolein H. J. van Huijgevoort, Michelle T. H. van Vliet, Sergiy Vorogushyn, Thorsten Wagener, Yueling Wang, Doris E. Wendt, Elliot Wickham, Long Yang, Mauricio Zambrano-Bigiarini, and Philip J. Ward
Earth Syst. Sci. Data, 15, 2009–2023, https://doi.org/10.5194/essd-15-2009-2023, https://doi.org/10.5194/essd-15-2009-2023, 2023
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As the adverse impacts of hydrological extremes increase in many regions of the world, a better understanding of the drivers of changes in risk and impacts is essential for effective flood and drought risk management. We present a dataset containing data of paired events, i.e. two floods or two droughts that occurred in the same area. The dataset enables comparative analyses and allows detailed context-specific assessments. Additionally, it supports the testing of socio-hydrological models.
Jens A. de Bruijn, Mikhail Smilovic, Peter Burek, Luca Guillaumot, Yoshihide Wada, and Jeroen C. J. H. Aerts
Geosci. Model Dev., 16, 2437–2454, https://doi.org/10.5194/gmd-16-2437-2023, https://doi.org/10.5194/gmd-16-2437-2023, 2023
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We present a computer simulation model of the hydrological system and human system, which can simulate the behaviour of individual farmers and their interactions with the water system at basin scale to assess how the systems have evolved and are projected to evolve in the future. For example, we can simulate the effect of subsidies provided on investment in adaptation measures and subsequent effects in the hydrological system, such as a lowering of the groundwater table or reservoir level.
Thulasi Vishwanath Harish, Nivedita Sairam, Liang Emlyn Yang, Matthias Garschagen, and Heidi Kreibich
Nat. Hazards Earth Syst. Sci., 23, 1125–1138, https://doi.org/10.5194/nhess-23-1125-2023, https://doi.org/10.5194/nhess-23-1125-2023, 2023
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Coastal Asian cities are becoming more vulnerable to flooding. In this study we analyse the data collected from flood-prone houses in Ho Chi Minh City to identify what motivates the households to adopt flood precautionary measures. The results revealed that educating the households about the available flood precautionary measures and communicating the flood protection measures taken by the government encourage the households to adopt measures without having to experience multiple flood events.
Raed Hamed, Sem Vijverberg, Anne F. Van Loon, Jeroen Aerts, and Dim Coumou
Earth Syst. Dynam., 14, 255–272, https://doi.org/10.5194/esd-14-255-2023, https://doi.org/10.5194/esd-14-255-2023, 2023
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Spatially compounding soy harvest failures can have important global impacts. Using causal networks, we show that soy yields are predominately driven by summer soil moisture conditions in North and South America. Summer soil moisture is affected by antecedent soil moisture and by remote extra-tropical SST patterns in both hemispheres. Both of these soil moisture drivers are again influenced by ENSO. Our results highlight physical pathways by which ENSO can drive spatially compounding impacts.
Vincent Schippers and Wouter Botzen
Nat. Hazards Earth Syst. Sci., 23, 179–204, https://doi.org/10.5194/nhess-23-179-2023, https://doi.org/10.5194/nhess-23-179-2023, 2023
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Researchers studying economic impacts of natural disasters increasingly use night light as a proxy for local economic activity, when socioeconomic data are unavailable. But often it is unclear what changes in light intensity represent in the context of disasters. We study this in detail for Hurricane Katrina and find a strong correlation with building damage and changes in population and employment. We conclude that night light data are useful to study local impacts of natural disasters.
Paolo Scussolini, Job Dullaart, Sanne Muis, Alessio Rovere, Pepijn Bakker, Dim Coumou, Hans Renssen, Philip J. Ward, and Jeroen C. J. H. Aerts
Clim. Past, 19, 141–157, https://doi.org/10.5194/cp-19-141-2023, https://doi.org/10.5194/cp-19-141-2023, 2023
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We reconstruct sea level extremes due to storm surges in a past warmer climate. We employ a novel combination of paleoclimate modeling and global ocean hydrodynamic modeling. We find that during the Last Interglacial, about 127 000 years ago, seasonal sea level extremes were indeed significantly different – higher or lower – on long stretches of the global coast. These changes are associated with different patterns of atmospheric storminess linked with meridional shifts in wind bands.
Giulia Bruno, Doris Duethmann, Francesco Avanzi, Lorenzo Alfieri, Andrea Libertino, and Simone Gabellani
Hydrol. Earth Syst. Sci. Discuss., https://doi.org/10.5194/hess-2022-416, https://doi.org/10.5194/hess-2022-416, 2022
Manuscript not accepted for further review
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Hydrological models often have issues during droughts. We used the distributed Continuum model over the Po river basin and independent datasets of streamflow (Q), evapotranspiration (ET), and storage. Continuum simulated Q well during wet years and moderate droughts. Performances declined for a severe drought and we explained this drop with an increased uncertainty in ET anomalies in human-affected croplands. These findings provide guidelines for assessments of model robustness during droughts.
Alberto Caldas-Alvarez, Markus Augenstein, Georgy Ayzel, Klemens Barfus, Ribu Cherian, Lisa Dillenardt, Felix Fauer, Hendrik Feldmann, Maik Heistermann, Alexia Karwat, Frank Kaspar, Heidi Kreibich, Etor Emanuel Lucio-Eceiza, Edmund P. Meredith, Susanna Mohr, Deborah Niermann, Stephan Pfahl, Florian Ruff, Henning W. Rust, Lukas Schoppa, Thomas Schwitalla, Stella Steidl, Annegret H. Thieken, Jordis S. Tradowsky, Volker Wulfmeyer, and Johannes Quaas
Nat. Hazards Earth Syst. Sci., 22, 3701–3724, https://doi.org/10.5194/nhess-22-3701-2022, https://doi.org/10.5194/nhess-22-3701-2022, 2022
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In a warming climate, extreme precipitation events are becoming more frequent. To advance our knowledge on such phenomena, we present a multidisciplinary analysis of a selected case study that took place on 29 June 2017 in the Berlin metropolitan area. Our analysis provides evidence of the extremeness of the case from the atmospheric and the impacts perspectives as well as new insights on the physical mechanisms of the event at the meteorological and climate scales.
Andrea Taramelli, Margherita Righini, Emiliana Valentini, Lorenzo Alfieri, Ignacio Gatti, and Simone Gabellani
Nat. Hazards Earth Syst. Sci., 22, 3543–3569, https://doi.org/10.5194/nhess-22-3543-2022, https://doi.org/10.5194/nhess-22-3543-2022, 2022
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This work aims to support decision-making processes to prioritize effective interventions for flood risk reduction and mitigation for the implementation of flood risk management concepts in urban areas. Our findings provide new insights into vulnerability spatialization of urban flood events for the residential sector, demonstrating that the nature of flood pathways varies spatially and is influenced by landscape characteristics, as well as building features.
Heiko Apel, Sergiy Vorogushyn, and Bruno Merz
Nat. Hazards Earth Syst. Sci., 22, 3005–3014, https://doi.org/10.5194/nhess-22-3005-2022, https://doi.org/10.5194/nhess-22-3005-2022, 2022
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The paper presents a fast 2D hydraulic simulation model for flood propagation that enables operational forecasts of spatially distributed inundation depths, flood extent, flow velocities, and other flood impacts. The detailed spatial forecast of floods and flood impacts is a large step forward from the currently operational forecasts of discharges at selected gauges, thus enabling a more targeted flood management and early warning.
Samuel Rufat, Mariana Madruga de Brito, Alexander Fekete, Emeline Comby, Peter J. Robinson, Iuliana Armaş, W. J. Wouter Botzen, and Christian Kuhlicke
Nat. Hazards Earth Syst. Sci., 22, 2655–2672, https://doi.org/10.5194/nhess-22-2655-2022, https://doi.org/10.5194/nhess-22-2655-2022, 2022
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It remains unclear why people fail to act adaptively to reduce future losses, even when there is ever-richer information available. To improve the ability of researchers to build cumulative knowledge, we conducted an international survey – the Risk Perception and Behaviour Survey of Surveyors (Risk-SoS). We find that most studies are exploratory and often overlook theoretical efforts that would enable the accumulation of evidence. We offer several recommendations for future studies.
Lorenzo Alfieri, Francesco Avanzi, Fabio Delogu, Simone Gabellani, Giulia Bruno, Lorenzo Campo, Andrea Libertino, Christian Massari, Angelica Tarpanelli, Dominik Rains, Diego G. Miralles, Raphael Quast, Mariette Vreugdenhil, Huan Wu, and Luca Brocca
Hydrol. Earth Syst. Sci., 26, 3921–3939, https://doi.org/10.5194/hess-26-3921-2022, https://doi.org/10.5194/hess-26-3921-2022, 2022
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This work shows advances in high-resolution satellite data for hydrology. We performed hydrological simulations for the Po River basin using various satellite products, including precipitation, evaporation, soil moisture, and snow depth. Evaporation and snow depth improved a simulation based on high-quality ground observations. Interestingly, a model calibration relying on satellite data skillfully reproduces observed discharges, paving the way to satellite-driven hydrological applications.
Brunella Bonaccorso, Carmelo Cammalleri, Athanasios Loukas, and Heidi Kreibich
Nat. Hazards Earth Syst. Sci., 22, 1857–1862, https://doi.org/10.5194/nhess-22-1857-2022, https://doi.org/10.5194/nhess-22-1857-2022, 2022
Philip J. Ward, James Daniell, Melanie Duncan, Anna Dunne, Cédric Hananel, Stefan Hochrainer-Stigler, Annegien Tijssen, Silvia Torresan, Roxana Ciurean, Joel C. Gill, Jana Sillmann, Anaïs Couasnon, Elco Koks, Noemi Padrón-Fumero, Sharon Tatman, Marianne Tronstad Lund, Adewole Adesiyun, Jeroen C. J. H. Aerts, Alexander Alabaster, Bernard Bulder, Carlos Campillo Torres, Andrea Critto, Raúl Hernández-Martín, Marta Machado, Jaroslav Mysiak, Rene Orth, Irene Palomino Antolín, Eva-Cristina Petrescu, Markus Reichstein, Timothy Tiggeloven, Anne F. Van Loon, Hung Vuong Pham, and Marleen C. de Ruiter
Nat. Hazards Earth Syst. Sci., 22, 1487–1497, https://doi.org/10.5194/nhess-22-1487-2022, https://doi.org/10.5194/nhess-22-1487-2022, 2022
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The majority of natural-hazard risk research focuses on single hazards (a flood, a drought, a volcanic eruption, an earthquake, etc.). In the international research and policy community it is recognised that risk management could benefit from a more systemic approach. In this perspective paper, we argue for an approach that addresses multi-hazard, multi-risk management through the lens of sustainability challenges that cut across sectors, regions, and hazards.
Francesco Dottori, Lorenzo Alfieri, Alessandra Bianchi, Jon Skoien, and Peter Salamon
Earth Syst. Sci. Data, 14, 1549–1569, https://doi.org/10.5194/essd-14-1549-2022, https://doi.org/10.5194/essd-14-1549-2022, 2022
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We present a set of hazard maps for river flooding for Europe and the Mediterranean basin. The maps depict inundation extent and depth for flood probabilities for up to 1-in-500-year flood hazards and are based on hydrological and hydrodynamic models driven by observed climatology. The maps can identify two-thirds of the flood extent reported by official flood maps, with increasing skill for higher-magnitude floods. The maps are used for evaluating present and future impacts of river floods.
Marthe L. K. Wens, Anne F. van Loon, Ted I. E. Veldkamp, and Jeroen C. J. H. Aerts
Nat. Hazards Earth Syst. Sci., 22, 1201–1232, https://doi.org/10.5194/nhess-22-1201-2022, https://doi.org/10.5194/nhess-22-1201-2022, 2022
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In this paper, we present an application of the empirically calibrated drought risk adaptation model ADOPT for the case of smallholder farmers in the Kenyan drylands. ADOPT is used to evaluate the effect of various top-down drought risk reduction interventions (extension services, early warning systems, ex ante cash transfers, and low credit rates) on individual and community drought risk (adaptation levels, food insecurity, poverty, emergency aid) under different climate change scenarios.
Animesh K. Gain, Yves Bühler, Pascal Haegeli, Daniela Molinari, Mario Parise, David J. Peres, Joaquim G. Pinto, Kai Schröter, Ricardo M. Trigo, María Carmen Llasat, and Heidi Kreibich
Nat. Hazards Earth Syst. Sci., 22, 985–993, https://doi.org/10.5194/nhess-22-985-2022, https://doi.org/10.5194/nhess-22-985-2022, 2022
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To mark the 20th anniversary of Natural Hazards and Earth System Sciences (NHESS), an interdisciplinary and international journal dedicated to the public discussion and open-access publication of high-quality studies and original research on natural hazards and their consequences, we highlight 11 key publications covering major subject areas of NHESS that stood out within the past 20 years.
Annegret H. Thieken, Guilherme Samprogna Mohor, Heidi Kreibich, and Meike Müller
Nat. Hazards Earth Syst. Sci., 22, 165–185, https://doi.org/10.5194/nhess-22-165-2022, https://doi.org/10.5194/nhess-22-165-2022, 2022
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Various floods hit Germany recently. While there was a river flood with some dike breaches in 2013, flooding in 2016 resulted directly from heavy rainfall, causing overflowing drainage systems in urban areas and destructive flash floods in steep catchments. Based on survey data, we analysed how residents coped with these different floods. We observed significantly different flood impacts, warnings, behaviour and recovery, offering entry points for tailored risk communication and support.
Valeria Cigala, Giulia Roder, and Heidi Kreibich
Nat. Hazards Earth Syst. Sci., 22, 85–96, https://doi.org/10.5194/nhess-22-85-2022, https://doi.org/10.5194/nhess-22-85-2022, 2022
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Non-male scientists constitute a minority in the geoscience professional environment, and they are underrepresented in disaster risk reduction planning. So far the international agenda has failed to effectively promote gender inclusion in disaster policy, preventing non-male scientists from career development and recognition. Here we share the thoughts, experiences, and priorities of women and non-binary scientists as a starting point to expand the discourse and promote intersectional research.
Raed Hamed, Anne F. Van Loon, Jeroen Aerts, and Dim Coumou
Earth Syst. Dynam., 12, 1371–1391, https://doi.org/10.5194/esd-12-1371-2021, https://doi.org/10.5194/esd-12-1371-2021, 2021
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Soy yields in the US are affected by climate variability. We identify the main within-season climate drivers and highlight potential compound events and associated agricultural impacts. Our results show that soy yields are most negatively influenced by the combination of high temperature and low soil moisture during the summer crop reproductive period. Furthermore, we highlight the role of temperature and moisture coupling across the year in generating these hot–dry extremes and linked impacts.
Abhirup Banerjee, Bedartha Goswami, Yoshito Hirata, Deniz Eroglu, Bruno Merz, Jürgen Kurths, and Norbert Marwan
Nonlin. Processes Geophys., 28, 213–229, https://doi.org/10.5194/npg-28-213-2021, https://doi.org/10.5194/npg-28-213-2021, 2021
Miriam Bertola, Alberto Viglione, Sergiy Vorogushyn, David Lun, Bruno Merz, and Günter Blöschl
Hydrol. Earth Syst. Sci., 25, 1347–1364, https://doi.org/10.5194/hess-25-1347-2021, https://doi.org/10.5194/hess-25-1347-2021, 2021
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We estimate the contribution of extreme precipitation, antecedent soil moisture and snowmelt to changes in small and large floods across Europe.
In northwestern and eastern Europe, changes in small and large floods are driven mainly by one single driver (i.e. extreme precipitation and snowmelt, respectively). In southern Europe both antecedent soil moisture and extreme precipitation significantly contribute to flood changes, and their relative importance depends on flood magnitude.
Gustavo Andrei Speckhann, Heidi Kreibich, and Bruno Merz
Earth Syst. Sci. Data, 13, 731–740, https://doi.org/10.5194/essd-13-731-2021, https://doi.org/10.5194/essd-13-731-2021, 2021
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Dams are an important element of water resources management. Data about dams are crucial for practitioners, scientists, and policymakers. We present the most comprehensive open-access dam inventory for Germany to date. The inventory combines multiple sources of information. It comprises 530 dams with information on name, location, river, start year of construction and operation, crest length, dam height, lake area, lake volume, purpose, dam structure, and building characteristics.
Marco Cerri, Max Steinhausen, Heidi Kreibich, and Kai Schröter
Nat. Hazards Earth Syst. Sci., 21, 643–662, https://doi.org/10.5194/nhess-21-643-2021, https://doi.org/10.5194/nhess-21-643-2021, 2021
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Effective flood management requires information about the potential consequences of flooding. We show how openly accessible data from OpenStreetMap can support the estimation of flood damage for residential buildings. Working with methods of machine learning, the building geometry is used to predict flood damage in combination with information about inundation depth. Our approach makes it easier to transfer models to regions where no detailed data of flood impacts have been observed yet.
Daniela Molinari, Anna Rita Scorzini, Chiara Arrighi, Francesca Carisi, Fabio Castelli, Alessio Domeneghetti, Alice Gallazzi, Marta Galliani, Frédéric Grelot, Patric Kellermann, Heidi Kreibich, Guilherme S. Mohor, Markus Mosimann, Stephanie Natho, Claire Richert, Kai Schroeter, Annegret H. Thieken, Andreas Paul Zischg, and Francesco Ballio
Nat. Hazards Earth Syst. Sci., 20, 2997–3017, https://doi.org/10.5194/nhess-20-2997-2020, https://doi.org/10.5194/nhess-20-2997-2020, 2020
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Flood risk management requires a realistic estimation of flood losses. However, the capacity of available flood damage models to depict real damages is questionable. With a joint effort of eight research groups, the objective of this study was to compare the performances of nine models for the estimation of flood damage to buildings. The comparison provided more objective insights on the transferability of the models and on the reliability of their estimations.
Cited articles
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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.
Our study explored how seasonal flood forecasts could enhance insurance premium accuracy....
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