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Published on: September 16, 2022
Confronting flood risk: implications for insurance and risk transfer
Emma J Treby1, Michael J Clark, Sally J Priest
1Environment and Geographical Sciences, School of Conservation Sciences, Bournemouth University, Poole BH12 5BB, UK. etreby@bournemouth.ac.uk
Journal of Environmental Management
|March 16, 2006
Summary
UK flood management must evolve beyond hard defenses. Integrating public perception of flood risk is crucial for sustainable strategies and aligning with insurance systems.
Area of Science:
- Environmental Science
- Risk Management
- Social Science
Background:
- The 2000 UK floods highlighted the limitations of solely relying on hard-engineered flood defenses.
- There is a growing need to reassess flood risk management strategies in light of increasing flood events.
Purpose of the Study:
- To explore the integration of social and technical factors in flood management.
- To emphasize the importance of incorporating public understanding and perception of flood risk into management models.
- To address the challenge of aligning these broader risk considerations with the UK's insurance-based flood management system.
Main Methods:
- Literature review on flood risk management strategies.
- Analysis of current practices in integrating social and technical aspects.
- Examination of the role of public perception in hazard understanding.
- Assessment of the compatibility with insurance-based flood management frameworks.
Main Results:
- Current flood management integrates social and technical issues but often overlooks public perception.
- Practitioners recognize the need to include public hazard understanding and risk perception.
- Significant challenges exist in adapting these broader considerations to the existing insurance-based system.
Conclusions:
- Sustainable flood risk management requires a paradigm shift from exclusive hard defenses.
- Incorporating public perception of risk is essential for effective and inclusive flood management.
- Further research and policy development are needed to bridge the gap between public perception and the insurance-based flood management system in the UK.
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