1 hora - the basis of insurability of natural risks in austria dr. anita schÖnegger manager...
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HORA -
The basis of insurability
of natural risks in Austria
Dr. Anita SCHÖNEGGERManager PropertyAustrian Insurance Association
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STRUCTURE OF PRESENTATION
1. reasons for starting the project
2. beginning
3. project facts
4. further steps
5. benefits
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REASONS FOR STARTING THE PROJECT
• a worldwide significant increase of natural hazards
• Austria was affected seriously by floods and hailstorms in the last years
• heavy floods affected many Austrian regions in summer 2002
total damage about € 3 bn
insured losses about € 400 m
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topography AUSTRIA
Flood 2002
Flood 2005
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AUSTRIA – FLOOD 2002
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AUSTRIA – FLOOD 2002
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AUSTRIA – FLOOD 2002
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REASONS FOR STARTING THE PROJECT
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the sums insured were and are still very low
the payments of the public catastrophe fund were by far not sufficient
less information means less prevention
the public discussion encouraged the insurance industry to search for better solutions
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BEGINNING
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2002: establishment of the working group „Natural Catastrophes“
model „ZÜRS“
dialogue partner: Federal Ministry of Agriculture and Forestry, Environment and Water Management (Ministry of Life)
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PPPHORA
Austrian Insurance Association
BML(Federal Ministry of
Life)
System partners – reinsurances and
brokers
BEGINNING
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PROJECT FACTS
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numerous data and files were linked
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DGM and digital river network, for which inundation surfaces were to be computed
hydrologic data - supply by discharges of floodwater given of annualness in small distances along this river network
1. step: determination of discharges of different annualness at the levels2. step: transmission of these punctual values on the entire river net, so-called regionalization
HORA
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Zone 1
Zone 2
computation of the inundation surfaces for different annualnesses, for example•HQ30•HQ100•HQ200 (opt. HQ50 und HQ500)
1. production of the transverse profiles from the DGM in firm distances2. hydraulics water level situationof computation as a function of valley profile, longitudinal slope and roughness factor3. determination of the inundation surface by transferring into the DGM
HORA
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digital risk maps for floodrisks
internet version (since June 2006)
intranet version
accumulation risks (HORA II) internet version (since June 2006)
model calculations for most water discharge scenarios
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PROJECT FACTS
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www.hochwasserrisiko.at
PROJECT FACTS
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further representations of natural risks on risk maps:
earthquake (HORA III)
internet and intranet version
hail storms (HORA IV)
intranet version (since July 2007)
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PROJECT FACTS
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Earthquakes in Austria since 1201
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Hailstorms in Austria
© BMLFUW 2006
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project costs about € 2 m
creation of an outstanding platform
approximate 50 million accesses are registered
HORA already fulfils all requirements of the EU Floods Directive
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PROJECT FACTS
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FURTHER STEPS
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development of a 2 x 2 raster by
laserscanning
risk zoning system plans for further natural hazards
permanent updating of data
and files
development of a comprehensive natural hazards portal
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BENEFITS
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risk assesment facilitates useful prevention measures regional planning claims management prevention measures: e.g. building the house in safe environment
insurance companies are able to develop effective insurance cover concepts
HORA: first step of a functioning and global insurance solution for natural hazards
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Thank you!
Austrian Insurance Association -Your Regional Partner in CEE
www.vvo.at
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AUSTRIAN INSURANCE ASSOCIATION