Residential Wind Loss Mitigation Case Study: An Analysis of Insurance Claim Data for Hurricane Michael

IF 3 Q2 METEOROLOGY & ATMOSPHERIC SCIENCES
Climate Pub Date : 2023-12-04 DOI:10.3390/cli11120237
Aneurin Grant, Christopher L. Atkinson
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引用次数: 0

Abstract

This study analyzes insurance claim data from an 11-county area in the Florida Panhandle following the landfall of Hurricane Michael. The data includes 1467 non-mobile home structures, with 902 (61.5%) storm-damaged structures in Bay County. The analysis focuses on Wind Mitigation form 1802. Specifically, building design variables were analyzed via linear regression as to their influence on the percent claim loss. The building design variables included total square footage, dwelling construction type, age of the building, roof type, roof cover type, roof deck attachment type, roof to wall attachment, the presence of secondary water resistance (or sealed roof deck), opening protection type, and roof shape. Results show that building design variables for insurance claims have a high predictive value relative to a Category 5 hurricane event. However, the predictive values of building design variables are also dependent on the dwelling’s proximity to the coast, its location relative to the strong or weak side of the storm, the diameter of the storm, and other wind field variables.
住宅风灾损失缓解案例研究:迈克尔飓风保险理赔数据分析
本研究分析了飓风迈克尔登陆后佛罗里达狭长地带11个县的保险索赔数据。数据包括1467个非移动房屋结构,其中902个(61.5%)在海湾县被风暴破坏。分析的重点是1802形式的风缓解。具体而言,通过线性回归分析了建筑设计变量对索赔损失百分比的影响。建筑设计变量包括总平方英尺、住宅建筑类型、建筑年龄、屋顶类型、屋顶覆盖类型、屋顶甲板连接类型、屋顶与墙壁连接、二次防水(或密封屋顶甲板)、开口保护类型和屋顶形状。结果表明,保险索赔的建筑设计变量相对于5级飓风事件具有较高的预测价值。然而,建筑设计变量的预测值也取决于住宅与海岸的距离,其相对于风暴强侧或弱侧的位置,风暴的直径和其他风场变量。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
Climate
Climate Earth and Planetary Sciences-Atmospheric Science
CiteScore
5.50
自引率
5.40%
发文量
172
审稿时长
11 weeks
期刊介绍: Climate is an independent, international and multi-disciplinary open access journal focusing on climate processes of the earth, covering all scales and involving modelling and observation methods. The scope of Climate includes: Global climate Regional climate Urban climate Multiscale climate Polar climate Tropical climate Climate downscaling Climate process and sensitivity studies Climate dynamics Climate variability (Interseasonal, interannual to decadal) Feedbacks between local, regional, and global climate change Anthropogenic climate change Climate and monsoon Cloud and precipitation predictions Past, present, and projected climate change Hydroclimate.
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