Flood insurance rate map for non-structural mitigation

Research output: Contribution to journalConference article

Abstract

December 2014 flooding in Kelantan river basin caused severe damage to economic and social infrastructure and dealt a serious blow to Kelantan state economies. Mitigation of flood disaster can be successful only when detailed knowledge is obtained about the vulnerability of the people, buildings, infrastructure and economic activities in a flood risk area. Therefore, to identify a community's flood risk, pre-disaster financial instrument will be introduced as non-structural mitigation measures know as flood insurance rate map. This instrument will be developed based on geospatial technology using satellite images, topographic surveys, cadastral map, type of community building such as residential or commercial and households' income. Flood hazard maps and flood insurance rate map will provide the flood risk zone and flood insurance rate and premium coverage for the affected community. In additions it helps to determine the type of flood insurance coverage is needed since standard homeowners' insurance doesn't cover flooding. Flood insurance rate map will provide affordable insurance for property owners, based on the lower the degree of risk state in flood hazard map, the lower the flood insurance premium. These insurance rate map are valuable to communities because it creates safer environments by reducing loss of life and decreasing property damage, allows individuals to minimize post-flood disaster disruptions and to recover quicker.

Original languageEnglish
Article number03002
JournalE3S Web of Conferences
Volume76
DOIs
Publication statusPublished - 15 Jan 2019
Event4th International Conference on Science and Technology, ICST 2018 - Yogyakarta, Indonesia
Duration: 07 Aug 201808 Aug 2018

All Science Journal Classification (ASJC) codes

  • Environmental Science(all)
  • Energy(all)
  • Earth and Planetary Sciences(all)

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