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Flood risk, flood prevention and flood insurance in The Netherlands

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Flood risk, flood prevention and flood insurance in The Netherlands Karel Heynert & Laurens Bouwer Deltares, The Netherlands – PowerPoint PPT presentation

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Title: Flood risk, flood prevention and flood insurance in The Netherlands


1
Flood risk, flood prevention and flood insurance
in The Netherlands
  • Karel Heynert Laurens Bouwer
  • Deltares, The Netherlands

2
This talk
3
(No Transcript)
4
The Netherlands - delta of 4 international basins
Amsterdam
Schiphol
4
5
The Netherlands protected by levees
Total Vulnerable to flooding
Surface Area  41.528 km² 55
Inhabitants 16,8 million 60
GNP 700 billion 65
6
(No Transcript)
7
Flood protection in The Netherlands (current)
Return periods
4,000yr
  • 53 flood protection areas (dike rings)
  • Protection level based on probability of
    exceedance of design waterlevels
  • 5 different protection standards
  • Procedure in Water Act
  • Formal verification every 6 yrs

1,250yr
10,000yr
4,000yr
2,000yr
8
Towards a flood risk based approach
  • Decision making based on flood risk
  • Still largely an engineering approach, but
  • Flood risk
  • Unprotected areas flood hazard vulnerability
    (mapping)
  • Areas with flood defences failure probability
    consequences (calculations)
  • Rationale for investments in flood defences
  • Economic viability
  • Probability of loss of life lt 10-5

9
Computing flood risk
10
Computing flood risk
Potential inundation depth in (meter)
  • Some points of attention
  • Indirect damage
  • Critical infrastructure
  • Not all parts of levee system are equally
    important
  • Flood protection units interact

11
Potential loss of life
  • Preventing loss of life
  • Flood protection
  • Flood warning crisis management

28 oktober 2015
12
Flood insurance
13
Insurability of flood damage in The Netherlands
X
  • Local flood damage ? ordinary insurance policies
  • 1 Water damage in house (rain)
  • 2 High groundwater
  • 3 Sewer flooding
  • 4 Polder water system

14
Insurability of flood damage in The Netherlands
X
  • Local flood damage ? ordinary insurance policies
  • 1 Water damage in house (rain)
  • 2 High groundwater
  • 3 Sewer flooding
  • 4 Polder water system

Flooding, due to failure of defences ? coverage
?? 5 Failure regional flood defence 6 Failure
of primary flood defence 7 Unembanked areas
15
Flood insurance in The Netherlands
  • Building and home content policies
  • Crop loss insurance stopped in 09
  • Government compensation act (WTS)
  • New disaster insurance
  • Flooding, terrorism, earthquake etc
  • Limited to 75 k per insured object
  • Limit in nr of households in unit
  • Flood insurance pool proposed by Dutch
    Association of Insurers
  • Obligatory, incl. in house insurance!
  • Annual max. coverage 5,000 M
  • Seems rejected by NL cartel authority

16
Future direction of flood insurance?
  • Flood risk management policy based on
  • Prevention
  • Optimal investments
  • Prevention of loss of life
  • High protection levels
  • Infrequent events
  • High accumulation risk
  • Limited flood awareness (?)
  • Public anticipation of role government
  • So where should we with flood insurance?
  • Mainly for regional water systems?

17
  • How to balance between
  • investments in flood protection and
  • relying on flood insurance?
  • Thank you!
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