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Natural hazard insurance outcomes at national, regional and local scales: A comparison between Sweden and Portugal

2022Journal article Open access
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dc.contributor.authorLeal, Miguel
dc.contributor.authorHudson, Paul
dc.contributor.authorMobini, Shifteh
dc.contributor.authorSörensen, Johanna
dc.contributor.authorMadeira, Paulo Miguel
dc.contributor.authorTesselaar, Max
dc.contributor.authorZêzere, José
dc.date.accessioned2022-09-02T10:54:40Z
dc.date.available2022-09-02T10:54:40Z
dc.date.issued2022
dc.description.abstractThis study addresses the role of natural hazard insurance in two European countries with different insurance markets and socioeconomic conditions: Sweden and Portugal. The analyses were conducted at the national, regional (Southern Sweden and Lisbon Metropolitan Area – LMA), and local (Malmö and Lisbon cities) scales. Most damage caused by weather and climate-related (WCR) hazards during the 1980–2019 period was not covered by insurance companies in Sweden (71%) and Portugal (91%). An insurance affordability analysis was performed using income for the national and regional scales. Unaffordability is higher in Southern Sweden than in LMA, implying that better socioeconomic conditions do not necessarily mean a higher average capacity to pay for insurance. At the local scale, urban flooding was analysed for Malmö (1996–2019) and Lisbon (2000–2011) using insurance databases, in which the most relevant 21st century rainfall events for each city are included (2014 and 2008, respectively). The influence of terrain features on flooding claims and payouts was determined using Geographic Information Systems (GIS) spatial analyses. The flat Malmö favours ponding and extensive flooding, while the distance to the drainage network and flow accumulation are key factors to promote flooding along valley bottoms in the hilly Lisbon. Flooding hotspots tend to result from a combination of higher depths/lower velocities (accumulation of floodwaters and ponding) and not from a pattern of lower depths/higher velocities (shallow overland flow). More detailed data on insurance, flooding, and socioeconomic conditions, at regional and mainly local scales, is needed to improve affordability and urban flooding risk assessments.pt_PT
dc.description.versioninfo:eu-repo/semantics/publishedVersionpt_PT
dc.identifier.citationLeal, M., Hudson, P., Mobini, S., Sörensen, J., Madeira, P. M., Tesselaar, M. & Zêzere, J. L. (2022). Natural hazard insurance outcomes at national, regional and local scales: A comparison between Sweden and Portugal. Journal of Environmental Management, 322, 116079. https://doi.org/10.1016/j.jenvman.2022.116079pt_PT
dc.identifier.doi10.1016/j.jenvman.2022.116079pt_PT
dc.identifier.issn0301-4797
dc.identifier.urihttp://hdl.handle.net/10451/54282
dc.language.isoengpt_PT
dc.peerreviewedyespt_PT
dc.publisherElsevierpt_PT
dc.relationCentre of Geographical Studies
dc.relationCentre of Geographical Studies
dc.relation.publisherversionhttps://www.sciencedirect.com/science/article/pii/S0301479722016528pt_PT
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/4.0/pt_PT
dc.subjectNatural hazardspt_PT
dc.subjectUrban floodingpt_PT
dc.subjectInsurancept_PT
dc.subjectLossespt_PT
dc.subjectSocioeconomic conditionspt_PT
dc.subjectAffordabilitypt_PT
dc.titleNatural hazard insurance outcomes at national, regional and local scales: A comparison between Sweden and Portugalpt_PT
dc.typejournal article
dspace.entity.typePublication
oaire.awardTitleCentre of Geographical Studies
oaire.awardTitleCentre of Geographical Studies
oaire.awardURIinfo:eu-repo/grantAgreement/FCT/6817 - DCRRNI ID/UIDB%2F00295%2F2020/PT
oaire.awardURIinfo:eu-repo/grantAgreement/FCT/6817 - DCRRNI ID/UIDP%2F00295%2F2020/PT
oaire.citation.startPage116079pt_PT
oaire.citation.titleJournal of Environmental Managementpt_PT
oaire.citation.volume322pt_PT
oaire.fundingStream6817 - DCRRNI ID
oaire.fundingStream6817 - DCRRNI ID
person.familyNameLeal
person.familyNameMadeira
person.familyNameZêzere
person.givenNameMiguel
person.givenNamePaulo Miguel
person.givenNameJosé Luís
person.identifierH-9956-2013
person.identifier.ciencia-id3B14-2560-2424
person.identifier.ciencia-id511D-EE6B-47E3
person.identifier.orcid0000-0002-7361-0542
person.identifier.orcid0000-0003-3206-5522
person.identifier.orcid0000-0002-3953-673X
person.identifier.scopus-author-id55891877100
person.identifier.scopus-author-id6507109389
project.funder.identifierhttp://doi.org/10.13039/501100001871
project.funder.identifierhttp://doi.org/10.13039/501100001871
project.funder.nameFundação para a Ciência e a Tecnologia
project.funder.nameFundação para a Ciência e a Tecnologia
rcaap.rightsopenAccesspt_PT
rcaap.typearticlept_PT
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