Natural disaster

About: Natural disaster is a research topic. Over the lifetime, 5456 publications have been published within this topic receiving 104808 citations. The topic is also known as: natural calamity & natural hazard.

Insurance and the natural hazards

Abstract: Natural hazards—floods, hurricanes, tornadoes, earthquakes, windstorms and hailstorms—cause considerable property damage in various parts of the world. In the United States, average annual damage resulting from these hazards is increasing rapidly. A large percentage of the damages occur as a result of infrequent, but severe, geophysical events (individual storms or earthquakes). If aggregate damage resulting from the event is exceptionally large, the event is called a natural disaster. The number of natural disasters in the United States is increasing each year. Resultant property losses are increasing even more rapidly. Increased density of properties susceptible to damage, increased value of these properties, and increased cost of repair have raised the probability of natural disaster occurrence in recent years even though the magnitude and character of the natural hazards have not changed.Insurance is one means of protection against the natural hazards for fixed property. In this report, one-to-four family dwelling structures represent fixed property. To provide protection, two components of risk must be evaluated: (1) risk per individual structure and (2) risk of a large number of simultaneous losses—catastrophe potential. The latter component has attained added importance recently with the increased number and magnitude of natural disasters.Information available for risk evaluation is (1) past damage experience; (2) data on the damage susceptibility of structures to be insured and the cost of repair; and (3) knowledge of physical characteristics of the natural hazards from the natural sciences. Damage experience results from the interaction of a natural hazard (frequency, location and severity of a geophysical event—storm, earthquake or flood) with characteristics and geographical distribution of exposed properties. Occasionally, interaction between the geophysical event and the distribution of properties leads to the creation of catastrophic losses resulting in a natural disaster. Evaluation of risk must be based either upon a retrospective or prospective measure of this damage experience.Past damage experience, a retrospective measure of loss potential, is a poor measure of future risk because of (1) non-stationarity of property characteristics; (2) bias introduced by chance interactions of hazard and property array; and (3) by random occurrence (or non-occurrence) of a severe geophysical event during the short sampling period of years that is usually available for study. A pure extrapolation into the future of past loss experience, including the chance combinations of events that led to past natural disasters, does not provide a great amount of insight into the character of future risk. What is needed is not actual damage that occurred as a result of past geophysical events, but damage resulting to the present distribution of properties from a recurrence of these past events. For example, to estimate future earthquake risk in California, emphasis should not be on what the 1906 San Francisco earthquake cost, but what it would cost if a comparable earthquake occurred today and affected the present type, distribution, and value of properties.A supplementary approach to the use of loss experience (called Natural Hazard Simulation) is presented which provides a prospective measure of risk. A mathematical approximation of the natural hazard mechanism is constructed which artificially produces geophysical events that mathematically interact with a given geographical array of properties. Natural Hazard Simulation utilizes and ties together available pertinent information. Use of an electronic computer permits calculation of a large number of, say, 25-year sequences of synthetic loss experience which can be used to estimate the two measures of natural hazard risk. “Natural disasters” occur at irregular intervals in the simulation analysis when a severe geophysical event occurs near a center of population.Using this approach, effects of a recurrence of past geophysical events or simulated future events upon present or hypothetical future distributions and types of properties can be estimated. It produces, in effect, a weighted measure of the many possible interactions between natural hazard and property array which, because of his short life span, man cannot afford to wait for nature to produce. Characteristics of an insurance operation needed to cover the hazard (rating, underwriting, claim settlement, loss reserving, and reinsurance) also are simulated.Examples of the application of Natural Hazard Simulation to flood, earthquake, hurricane wind and tides, winter windstorm, and thunderstormspawned hazards (such as tornadoes, wind and hail hazard) are presented. Purpose of the application to flood hazard was to (1) estimate magnitude of the hazard to more than fifty-million dwelling structures in the United States for which very little damage experience was available and (2) determine characteristics of a joint Insurance Industry/Federal Government flood insurance program need to cover the hazard. Characteristics of a joint program were needed to establish relationships and financial arrangements between the Federal Government and the Insurance Industry. This work was done as consultants to the U.S. Department of Housing and Urban Development during development of a National Flood Insurance Program which is now operational. In this plan, the Federal Government assumes a portion of risk by acting as a reinsurer against excessive losses on industry's share of the Program.An application of Natural Hazard Simulation to the earthquake hazard on the West Coast of the United States has been made. Examples of mathematically produced earthshock patterns are given. Correspondence between calculated and observed patterns is good. Measures of both components of risk are discussed for the present array of 625,000 dwellings in the San Francisco Metropolitan area when a recurrence of all earthquakes in the historical past (170 years) is used as a measure of earthquake hazard. A similar type of analysis also has been made for the Los Angeles Metropolitan area.An application of the approach to the hurricane wind hazard is illustrated using computer printouts of the geographical pattern of highest wind expected during a hurricane's passage as obtained from the computerized mathematical model. Calculated patterns of wind speed severity provide realistic approximations of observed patterns. An example of the interaction between natural hazard and property array in producing a “natural disaster” is illustrated by calculating “loss experience” to dwelling properties in Louisiana from an intense hurricane whose path is successively changed relative to centers of population. The effect of changing the intensity of a hurricane upon resulting damage when the path is held constant is also shown. Both measures of hurricane wind risk—expected loss per exposure and catastrophe potential—are being estimated by developing “loss experience” to the present array of dwelling properties in the Gulf and Atlantic States based upon two measures of the magnitude of the hurricane wind hazard; namely, (1) a recurrence of hurricanes of various intensities and paths which have been recorded in the historical past and (2) a number of series of 25-year sequences of “synthetic loss experience” based upon computer simulation techniques.An application of Natural Hazard Simulation to winter windstorm and thunderstorm-spawned tornadoes, wind, and hail in the Middle Western United States has been carried out for the first measure of risk. The mathematical model for obtaining a measure of catastrophe potential for these hazards is currently being developed. Future applications will include development of an integrated procedure for simulating “loss experience” from all of the natural hazards to a given array of structures in various geographical areas.Natural hazard simulation offers a supplementary approach to the sole use of past loss experience for (1) estimating the two components of natural hazard risk and (2) developing characteristics of an insurance program needed to cover the natural hazards at a time when average annual property damages caused by natural hazards are increasing rapidly because of the increased number and magnitude of natural disasters.

Family Transitions Following Natural and Terrorist Disaster: Hurricane Hugo and the September 11 Terrorist Attack

Abstract: Disasters affect individuals, families, and entire communities. To date, the primary focus of disaster research has been on identifying the mental health consequences for individuals following natural disasters, technological disasters, and mass violence. However “...the experience (of disaster) cannot be expressed entirely in diagnoses of psychopathology” (Vlahov 2002, p. 295). An exclusive focus on individual mental health outcomes will underestimate the full psychosocial impact of a disaster for many adults, given that the consequences for adult disaster victims often unfold in the context of close relationships. The goal of this chapter is to expand the focus of disaster research by considering how disasters are related to significant family transitions. Exposure to disaster and trauma is more common than we might expect. Lifetime exposure was 22% for natural disasters (Briere and Elliott 2000) and 69% for traumatic events (e.g., combat, tragic death, automobile accident, assault; Norris 1992). Given the interdependence of married spouses (Kelley and Thibaut 1978) and the disruptive nature of disaster and trauma, we would expect these events to reverberate in people’s romantic relationships.

Risk modeling, assessment, and management of lahar flow threat.

Abstract: The 1991 eruption of Mount Pinatubo in the Philippines is considered one of the most violent and destructive volcanic activities in the 20th century. Lahar is the Indonesian term for volcanic ash, and lahar flows resulting from the massive amount of volcanic materials deposited on the mountain's slope posed continued post-eruption threats to the surrounding areas, destroying lives, homes, agricultural products, and infrastructures. Risks of lahar flows were identified immediately after the eruption, with scientific data provided by the Philippine Institute of Volcanology, the U.S. Geological Survey, and other research institutions. However, competing political, economic, and social agendas subordinated the importance of scientific information to policy making. Using systemic risk analysis and management, this article addresses the issues of multiple objectives and the effective integration of scientific techniques into the decision-making process. It provides a modeling framework for identifying, prioritizing, and evaluating policies for managing risk. The major considerations are: (1) applying a holistic approach to risk analysis through hierarchical holographic modeling, (2) applying statistical methods to gain insight into the problem of uncertainty in risk assessment, (3) using multiobjective trade-off analysis to address the issue of multiple decisionmakers and stakeholders in the decision-making process, (4) using the conditional expected value of extreme events to complement and supplement the expected value in quantifying risk, and (5) assessing the impacts of multistage decisions. Numerical examples based on ex post data are formulated to illustrate applications to various problems. The resulting framework from this study can serve as a general baseline model for assessing and managing risks of natural disasters, which the Philippines' lead agency-the National Disaster Coordinating Council (NDCC)-and other related organizations can use for their decision-making processes.

Disaster mitigation initiatives in sri lanka

Abstract: Sri Lanka is prone to natural disasters commonly caused by floods, cyclones, landslides, droughts and coastal erosion for generations with increasing losses to life and property in the past few decades. The devastation caused by tsunami in 2004, however, took Sri Lanka by surprise warning that Sri Lanka is also vulnerable to low-frequency high impact events with extensive damage. Although several initiatives were taken by the governments in the past to mitigate these damages they were mostly reactive emphasizing relief and recovery rather than proactive with damage prevention or minimization strategies. Only two projects, i.e. Hazard Mapping Project by the National Building Research Organization (1991-1996) and Sri Lanka Urban Multi-Hazard Disaster Mitigation Project (1997-2003) can be considered somewhat successful in proactive disaster mitigation. However, 2004 tsunami has made responsible parties to act collectively for a comprehensive, long term and holistic disaster risk management framework. In May 2005, the Sri Lanka Disaster Management Act No 13 of 2005 was enacted providing a solid legislative and institutional arrangement for Disaster Risk Management establishing a powerful National Council for Disaster Management under the President and the Disaster Management Centre (DMC) as the lead agency for disaster risk management. In November 2005, the Ministry of Disaster Management was established to provide undiluted leadership. The Ministry of Disaster Management declared its Road Map in December 2005 focusing on seven thematic components. It is expected that proper implementation of this Road Map will go a long way towards safer Sri Lanka from natural disasters.