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Flood insurance : A governance mechanism for supporting equitable risk reduction and adaptation?

Kammerbauer, Mark and Wamsler, Christine LU (2022) p.83-94
Abstract
Private insurance is an important governance mechanism to prepare for environmental disasters triggered by floods. It forms part of risk management and climate adaptation approaches aimed at the reduction of vulnerability and the rebuilding of damaged structures. However, flood coverage is often low. Germany is no exception to this, although it is a member state of the EU and involved in implementing EU Water Directives. In Germany, flooding has repeatedly resulted in the need for state and federal governments to provide funding for rebuilding for uninsured homeowners. In addition, mitigation and adaptation measures that are required to address the intensity and frequency of flood hazards and climate change are not adequately covered by... (More)
Private insurance is an important governance mechanism to prepare for environmental disasters triggered by floods. It forms part of risk management and climate adaptation approaches aimed at the reduction of vulnerability and the rebuilding of damaged structures. However, flood coverage is often low. Germany is no exception to this, although it is a member state of the EU and involved in implementing EU Water Directives. In Germany, flooding has repeatedly resulted in the need for state and federal governments to provide funding for rebuilding for uninsured homeowners. In addition, mitigation and adaptation measures that are required to address the intensity and frequency of flood hazards and climate change are not adequately covered by current insurance mechanisms. Why do such disparities persist? How can they be addressed to reduce risks and assist vulnerable populations? This contribution offers insight from a case study conducted in the southern German municipality of Deggendorf, heavily impacted during the 2013 European and Danube floods. Qualitative and quantitative data were collected during numerous site visits. Research methods included interviews with key informants, a household survey, and geographical analyses. The results show how effective flood risk governance can support sustainable and equitable risk reduction and adaptation. (Less)
Please use this url to cite or link to this publication:
author
and
organization
publishing date
type
Chapter in Book/Report/Conference proceeding
publication status
published
subject
keywords
Flood insurance, Flood governance, Risk reduction, adaptation, Risk management
host publication
Climate, Society and Elemental Insurance : Capacities and Limitations - Capacities and Limitations
edition
1
pages
11 pages
publisher
Routledge
external identifiers
  • scopus:85142063555
ISBN
9781003157571
DOI
10.4324/9781003157571-9
language
English
LU publication?
yes
id
838954d4-9a8b-40c1-81bc-764d377cc5c7
alternative location
https://www.taylorfrancis.com/chapters/oa-edit/10.4324/9781003157571-9/flood-insurance-mark-kammerbauer-christine-wamsler?context=ubx&refId=9e5fe5b0-c2cc-4690-9323-d7f665d17bab
date added to LUP
2022-04-25 14:55:22
date last changed
2022-12-21 16:15:15
@inbook{838954d4-9a8b-40c1-81bc-764d377cc5c7,
  abstract     = {{Private insurance is an important governance mechanism to prepare for environmental disasters triggered by floods. It forms part of risk management and climate adaptation approaches aimed at the reduction of vulnerability and the rebuilding of damaged structures. However, flood coverage is often low. Germany is no exception to this, although it is a member state of the EU and involved in implementing EU Water Directives. In Germany, flooding has repeatedly resulted in the need for state and federal governments to provide funding for rebuilding for uninsured homeowners. In addition, mitigation and adaptation measures that are required to address the intensity and frequency of flood hazards and climate change are not adequately covered by current insurance mechanisms. Why do such disparities persist? How can they be addressed to reduce risks and assist vulnerable populations? This contribution offers insight from a case study conducted in the southern German municipality of Deggendorf, heavily impacted during the 2013 European and Danube floods. Qualitative and quantitative data were collected during numerous site visits. Research methods included interviews with key informants, a household survey, and geographical analyses. The results show how effective flood risk governance can support sustainable and equitable risk reduction and adaptation.}},
  author       = {{Kammerbauer, Mark and Wamsler, Christine}},
  booktitle    = {{Climate, Society and Elemental Insurance : Capacities and Limitations}},
  isbn         = {{9781003157571}},
  keywords     = {{Flood insurance; Flood governance; Risk reduction; adaptation; Risk management}},
  language     = {{eng}},
  month        = {{04}},
  pages        = {{83--94}},
  publisher    = {{Routledge}},
  title        = {{Flood insurance : A governance mechanism for supporting equitable risk reduction and adaptation?}},
  url          = {{http://dx.doi.org/10.4324/9781003157571-9}},
  doi          = {{10.4324/9781003157571-9}},
  year         = {{2022}},
}