Climate Risk Management最新文献

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Transdisciplinary Knowledge Production for Integrated Climate Risk Management: Application of a Framework in the Dutch Urbanized Delta 综合气候风险管理的跨学科知识生产:一个框架在荷兰城市化三角洲的应用
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2025-11-25 DOI: 10.1016/j.crm.2025.100773
Seyedabdolhossein Mehvar , Anne Bruggen , Pradeep Murukannaiah , Catholijn Jonker , Zac Taylor , Tom Daamen
{"title":"Transdisciplinary Knowledge Production for Integrated Climate Risk Management: Application of a Framework in the Dutch Urbanized Delta","authors":"Seyedabdolhossein Mehvar ,&nbsp;Anne Bruggen ,&nbsp;Pradeep Murukannaiah ,&nbsp;Catholijn Jonker ,&nbsp;Zac Taylor ,&nbsp;Tom Daamen","doi":"10.1016/j.crm.2025.100773","DOIUrl":"10.1016/j.crm.2025.100773","url":null,"abstract":"<div><div>Climate change increasingly impacts the built environment through rising sea levels, intensifying heatwaves, and frequent extreme weather events, especially in low-lying, densely populated countries like the Netherlands. Despite growing urgency, current climate risk management strategies are rather individuated by firms, and siloed across sectors. A lack of shared, accessible knowledge on climate risks to real estate and infrastructure hinders coordinated, transparent, and integrated decision-making. This highlights the need for structured transdisciplinary approaches that foster collaboration between researchers and practitioners to co-produce knowledge and develop integrated adaptation solutions.</div><div>This article introduces a novel framework to facilitate transdisciplinary knowledge production for integrated real estate and infrastructure climate risk management. Using a mixed-method approach, the framework is developed through a literature review on transdisciplinary research and further evolved by incorporating practice-based empirical insights and collective experiential learning gained during its application within the Red&amp;Blue (Real Estate Development and Building in Low Urban Environments) case study.</div><div>The framework comprises four interconnected phases: (1) knowledge elicitation through a three-layer stakeholder engagement and impact plan, (2) knowledge exploration by combining the institutionalized logics theory and AI-supported techniques, (3) knowledge integration, and (4) knowledge transformation.</div><div>Applying the framework to the Red&amp;Blue case study reveals that effective transdisciplinary knowledge production requires not only a structured process but also an adaptive, and iterative approach. Key enablers include sustained stakeholders engagement, safe-space dialogue, conscious knowledge integration, and integrative leadership. These elements foster trust, improve communication, and support the co-creation of actionable and transferable knowledge to address complex climate risk and sustainability challenges in urbanized built environments in the Netherlands and beyond.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100773"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146187963","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Assessing perceptions of various stakeholders on climate change mitigation and adaptation in rural areas in Cameroon: The use of ICTs 评估各利益攸关方对喀麦隆农村地区减缓和适应气候变化的看法:信息通信技术的使用
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2025-12-11 DOI: 10.1016/j.crm.2025.100780
Hubert Fudjumdjum, Walter Leal Filho
{"title":"Assessing perceptions of various stakeholders on climate change mitigation and adaptation in rural areas in Cameroon: The use of ICTs","authors":"Hubert Fudjumdjum,&nbsp;Walter Leal Filho","doi":"10.1016/j.crm.2025.100780","DOIUrl":"10.1016/j.crm.2025.100780","url":null,"abstract":"<div><div>The threat of climate change is a global issue that requires international attention. These impacts affect agricultural production, with smallholder farmers recording lower yields as rainfall patterns change and the temperatures increase. This study aims to provide a comprehensive understanding of the potential contributions of information and communication technologies (ICTs) to climate change adaptation and, where applicable, mitigation efforts in rural areas, with a specific emphasis on agricultural adaptation. This qualitative case study was based on three focus group discussions with 30 smallholder farmers in the Koung-Khi department of Western Cameroon. Participants were selected purposively, and the data were analysed thematically using NVivo software. The results indicate that the absence of modern technologies limits rural communities’ ability to adapt to climate change. Additionally, many rural communities require more financial resources to invest in modern technologies to help them adapt to climate change-related impacts. To address the high risks of climate change to agriculture and food security in rural settings, national policies and institutions should develop ICT-based national programs for smallholder farmers and producers. People have gained a deeper understanding of how modern technologies can adapt to climate change, enabling them to diversify and produce crops under various circumstances. Governments and development agencies should promote and support rural adaptation and mitigation by investing in modern technology.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100780"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145791422","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Climate risk adaptation through disaster insurance: Understanding purchase behavior of farmers threatened by flash floods in rural China 基于灾害保险的气候风险适应:了解中国农村受山洪威胁农民的购买行为
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2025-12-22 DOI: 10.1016/j.crm.2025.100787
Feiting Gao, Li Peng, Damin Zhou, Shuai Liang
{"title":"Climate risk adaptation through disaster insurance: Understanding purchase behavior of farmers threatened by flash floods in rural China","authors":"Feiting Gao,&nbsp;Li Peng,&nbsp;Damin Zhou,&nbsp;Shuai Liang","doi":"10.1016/j.crm.2025.100787","DOIUrl":"10.1016/j.crm.2025.100787","url":null,"abstract":"<div><div>Climate-related disasters such as flash floods pose severe threats to rural communities, making effective adaptation strategies essential for reducing risks and strengthening resilience. Disaster insurance, as an important climate policy instrument, can mitigate economic losses. However, a gap remains between their willingness to buy and actual purchase of disaster insurance. In this study, a research framework integrating partial least squares structural equation modeling (PLS-SEM), probit regression, and mediation analysis was employed to explore the factors influencing farmers’ disaster insurance purchase behavior (DIPB) in the Longmen Mountain region of southwest China, which is under frequent threat of climate-induced hazards. A household survey of 536 farmers was conducted, and the probit regression analysis revealed that their DIPB was strongly linked to their willingness to purchase insurance as well as their insurance awareness. Other factors that influenced their purchase behavior included their age, health status, education level, and labor out-migration. The PLS-SEM results indicated that farmers’ disaster preparedness expectations (DPE) were shaped by village capacity building, trust in government, and risk perception. In addition, participation in community-based disaster management (PCDM) was found to play a mediating role between expectations and behavior. These findings highlight the need for climate policy frameworks that integrate individual decision-making, community-based adaptation, and institutional trust to promote disaster insurance uptake. Policy recommendations are offered for expanding insurance coverage, enhancing rural resilience, and embedding disaster risk transfer into broader climate adaptation strategies.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100787"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145926012","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Using news media to identify gaps in climate change adaptation research: Insights from the Philippines 利用新闻媒体识别气候变化适应研究中的差距:来自菲律宾的见解
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2026-01-19 DOI: 10.1016/j.crm.2026.100793
Henry A. Bartelet , Luisa F. Bedoya Taborda , Princess P. Bedrijo
{"title":"Using news media to identify gaps in climate change adaptation research: Insights from the Philippines","authors":"Henry A. Bartelet ,&nbsp;Luisa F. Bedoya Taborda ,&nbsp;Princess P. Bedrijo","doi":"10.1016/j.crm.2026.100793","DOIUrl":"10.1016/j.crm.2026.100793","url":null,"abstract":"<div><div>Climate change impacts are intensifying globally, with the most severe effects often occurring in regions already facing significant vulnerabilities. These areas are at the forefront of adaptation needs. While climate change adaptation research has expanded over the past decade, a critical question remains: does this growing body of work focus on the regions and sectors most affected by climate change? This study introduces a novel method for assessing on-the-ground climate impacts by analysing the prevalence of climate-related newspaper articles across time, geography, and impact categories. These media reports, used as proxies for experienced impacts, are systematically compared with the scholarly literature on climate adaptation through a systematic review of peer-reviewed publications. Applying this method in the Philippines, a country highly vulnerable to climate change, reveals a significant overlap in regional and thematic coverage between news reports and adaptation studies. However, there are some differences: adaptation studies declined after 2020, possibly reflecting shifts in research priorities during the COVID-19 pandemic; academic literature concentrated on regions with higher visibility, such as the National Capital Region and Western Visayas, while areas like Northern Mindanao and Ilocos were relatively understudied. Both sources emphasized agricultural impacts, highlighting farmers’ exposure to droughts, heavy rains, and severe storms, while news reports also captured urban vulnerabilities, including heat-related health risks and storm damage to infrastructure. Mentions of leptospirosis following severe storms suggest emerging health challenges that require further research. Until more objective localised impact data is available, media-based proxies offer a practical way to explore regional disparities in adaptation science and to contextualize adaptation policy priorities.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100793"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146038026","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Enhancing social resilience: the role of social infrastructure in crisis management within the built environment 增强社会复原力:社会基础设施在建筑环境中危机管理中的作用
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2026-01-31 DOI: 10.1016/j.crm.2026.100796
Anahita Rashidfarokhi , Sofie Pelsmakers , Katja Maununaho , Raul Castano de la Rosa , Heini Järventausta , Saija Toivonen , Jyrki Tarpio , Lassi Tähtinen
{"title":"Enhancing social resilience: the role of social infrastructure in crisis management within the built environment","authors":"Anahita Rashidfarokhi ,&nbsp;Sofie Pelsmakers ,&nbsp;Katja Maununaho ,&nbsp;Raul Castano de la Rosa ,&nbsp;Heini Järventausta ,&nbsp;Saija Toivonen ,&nbsp;Jyrki Tarpio ,&nbsp;Lassi Tähtinen","doi":"10.1016/j.crm.2026.100796","DOIUrl":"10.1016/j.crm.2026.100796","url":null,"abstract":"<div><div>Resilient solutions in the built environment primarily focus on technical aspects, with implementation processes often based on a top-down approach that overlooks people’s perspectives. However, social resilience plays a crucial role in addressing polycrises, and social infrastructure is critical for building such resilience. This study aims to enhance understanding of how social infrastructures can improve social resilience. Through analysis of 58 Futures-Wheel workshops with 179 multidisciplinary experts investigating 128 crises,seven groups of social impacts were developed. Subsequently, three Finnish social infrastructure cases were selected to explore how and to what extent they address the identified social impacts. The findings indicate that social infrastructure fosters resilience by generating two specific forms of social capital: bonding capital (essential for immediate response) and bridging capital (critical for prevention and adaptation). However, the analysis also identifies critical trade-offs, including risks of green gentrification, exclusionary group dynamics, and resource fatigue in volunteer-led initiatives. Consequently, policymakers, urban planners, and community organisations should adopt a context-specific approach that balances these networks and integrates both bottom-up and top-down perspectives. By doing so, they can ensure that social infrastructure not only supports everyday life but also strengthens communities’ ability to cope with crises.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100796"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146188135","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Multidimensional interactive pathways of adaptive capacity to extreme rainfall: Insights from Xiamen 极端降雨适应能力的多维互动路径:来自厦门的启示
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2026-02-17 DOI: 10.1016/j.crm.2026.100804
Yao Qian , Quanyi Qiu , Ting Lan , Yashi Wu , Yajing Zhang , Lina Tang
{"title":"Multidimensional interactive pathways of adaptive capacity to extreme rainfall: Insights from Xiamen","authors":"Yao Qian ,&nbsp;Quanyi Qiu ,&nbsp;Ting Lan ,&nbsp;Yashi Wu ,&nbsp;Yajing Zhang ,&nbsp;Lina Tang","doi":"10.1016/j.crm.2026.100804","DOIUrl":"10.1016/j.crm.2026.100804","url":null,"abstract":"<div><div>Enhancing the urban adaptive capacity (UAC) is crucial for mitigating the risks posed by extreme climate hazards. While UAC components are often evaluated independently, their interactions remain underexplored. To address this research gap, this study integrates the risk impact chain and resilience framework, focusing on six key dimensions— readiness, redundancy, robustness, resistance, recovery, and reflectiveness—to comprehensively investigate UAC across pre-, during-, and post-disaster phases. Structural equation modeling is employed to reveal the internal relationships among UAC components and identify critical impact pathways. Drawing on empirical data from 2013 to 2022 in Xiamen City, China, the study identified three effective pathways that significantly enhance UAC, notably emphasizing the indirect role of governance expenditure in promoting technology and services through infrastructure sufficiency and public attention. These findings highlight the structural mediating role of infrastructure sufficiency and civic engagement, with total mediation effect demonstrating high statistical significance (p &lt; 0.001). While Xiamen was selected as the case study due to its high exposure to seasonal extreme rainfall and rapid urban development, the insights generated have broader implications. The results showed that the temporal evolution of adaptive strategies—from reactive responses to proactive preparedness. Spatially, areas demonstrating higher adaptive capacity generally coincide with more mature infrastructure systems and higher-quality social services. This study underscores the critical influence of public engagement in shaping adaptive pathways and suggests that participatory governance mechanisms can play an important role in advancing societal preparedness for climate-related risks.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100804"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147395878","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Adaptation-stories for imagining futures adjusting to a changing climate 适应——想象未来适应气候变化的故事
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2025-12-21 DOI: 10.1016/j.crm.2025.100785
Nina Pirttioja , Päivi Abernethy , Sami Ahonen , Stefan Fronzek , Tiina Jouppila , Kirsti Jylhä , Niina Kautto , Sanna Luhtala , Taru Palosuo , Karoliina Rimhanen , Reija Ruuhela , Kirsti Saarremaa , Timothy R. Carter
{"title":"Adaptation-stories for imagining futures adjusting to a changing climate","authors":"Nina Pirttioja ,&nbsp;Päivi Abernethy ,&nbsp;Sami Ahonen ,&nbsp;Stefan Fronzek ,&nbsp;Tiina Jouppila ,&nbsp;Kirsti Jylhä ,&nbsp;Niina Kautto ,&nbsp;Sanna Luhtala ,&nbsp;Taru Palosuo ,&nbsp;Karoliina Rimhanen ,&nbsp;Reija Ruuhela ,&nbsp;Kirsti Saarremaa ,&nbsp;Timothy R. Carter","doi":"10.1016/j.crm.2025.100785","DOIUrl":"10.1016/j.crm.2025.100785","url":null,"abstract":"<div><div>Effective adaptation planning requires the integration of diverse forms of knowledge ‒ from local experiences to scientific understanding of projections of climate and societal change and their potential impacts on livelihoods and natural systems. However, the volume, complexity and uncertainty of information can hinder stakeholders from taking decisive action. In this study we present a bottom-up approach for developing adaptation-stories that combine quantitative estimates with qualitative knowledge and experience for portraying past or “imagining” future climate change impacts and adaptation responses. The approach is based on a participatory process comprising five steps: (1) co-definition of a notable climate change impact affecting a chosen livelihood or other specific context; (2) identification of the specific types of climatic and non-climatic factors responsible for the given notable climate change impact; (3) co-evaluation of adaptation measures for ameliorating or exploiting impacts, (4) characterisation of the causal mechanisms and assumptions that specify how the notable impacts and their adaptation have been experienced in the past and how they may develop in the future; and; (5) co-development of adaptation-stories by researchers and stakeholders. We suggest that well-crafted adaptation-stories may empower local actors by exploring climate change adaptation through the lens of their unique experiences and livelihoods. They can also serve as conversation starters between diverse actors and generally spark thinking about adaptation solutions. We illustrate this through a case relating to the planning of a major renewal of a hospital in Finland, reflecting how different actors have adapted to heat-related challenges.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100785"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"145926015","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Planning heritage in flood-prone zones: Planning responses and urban morphological evolution in the Ancient City of Linhai, China 洪水易发地带的规划遗产:临海古城的规划响应与城市形态演变
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2026-02-04 DOI: 10.1016/j.crm.2026.100798
Qinglong An, Chiho Ochiai
{"title":"Planning heritage in flood-prone zones: Planning responses and urban morphological evolution in the Ancient City of Linhai, China","authors":"Qinglong An,&nbsp;Chiho Ochiai","doi":"10.1016/j.crm.2026.100798","DOIUrl":"10.1016/j.crm.2026.100798","url":null,"abstract":"<div><div>The integration of historical flood adaptation strategies into contemporary resilience planning remains a critical challenge for heritage cities in flood-prone areas. This study addresses this gap by proposing ‘Planning Heritage’ as a key analytical lens, conceptualizing it as the cumulative outcome of evolving planning paradigms and flood response strategies. Employing a mixed-methods approach that combines historical document coding, GIS mapping, Space Syntax analysis, and fieldwork, the research examines how chronic flood pressures have shaped the urban form of the Ancient City of Linhai, China, over centuries. The findings reveal that Linhai’s flood mitigation capacity relies on a synergistic system of tangible elements (city walls, street networks, and water systems) and intangible wisdom (defence and diversion strategies, alongside community participation). Crucially, the urban morphology has co-evolved with flood risks, resulting in spatial configurations that inherently support evacuation efficiency, drainage, and adaptive land use. However, qualitative evidence suggests that the contemporary functional relevance of this heritage is currently threatened by fragmented management. Consequently, this study concludes that planning heritage constitutes a vital resilience resources and advocates for its active integration into modern flood mitigation planning. This necessitates a paradigm shift from passive preservation to functional revitalization, performance enhancement, and institutional coordination, effectively linking cultural heritage conservation with sustainable flood risk reduction.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100798"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146187965","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
SMEs and flood insurance: Assessing the effective resilience using contextualised evidence 中小企业与洪水保险:使用情境化证据评估有效恢复力
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2026-02-11 DOI: 10.1016/j.crm.2026.100801
Zeyu Yao , Paola Sakai , Cecilia De Ita , Marco Sakai
{"title":"SMEs and flood insurance: Assessing the effective resilience using contextualised evidence","authors":"Zeyu Yao ,&nbsp;Paola Sakai ,&nbsp;Cecilia De Ita ,&nbsp;Marco Sakai","doi":"10.1016/j.crm.2026.100801","DOIUrl":"10.1016/j.crm.2026.100801","url":null,"abstract":"<div><div>Flooding is one of the biggest challenges reported by small to medium-sized businesses (SMEs) in the UK, and flood insurance is an important tool for reducing SMEs’ future flood risks. Flood insurance helps small businesses manage increasing risks and, if priced and designed right, serves as a powerful incentive to better prepare for and reduce the impact of future floods. However, flood insurance uptake by SMEs is low and expensive. Insurance pricing depends on knowing an SME’s risks and level of resilience with confidence. However, SMEs exhibit diverse risk profiles and levels of vulnerability due to their heterogeneous business characteristics. Such complexity makes it difficult for the insurance industry to commodify SMEs’ risk and provide affordable insurance. As flood risk is on the rise, it is paramount to identify which factors influence insurers’ decisions to grant insurance to SMEs or deny it. This study uses a mixed-method approach were through online surveys, semi-structured interviews, focus group discussions, and workshops with lenders, insurers, surveyors, brokers, and SMEs, pursue threefold objectives: 1) identify factors that influence SMEs resilience and insurers decision making; 2) assess SMEs’ losses, flood risk mitigation strategies and insurance needs; and 3) collaborate with the insurance industry and SMEs to design and pilot a tool to unlock affordable insurance coverage. Results show that while critical, professional flood risk assessment and flood depth damages are not sufficient on their own. Well-kept descriptive and photographic evidence, along with the positive attitude associated with SMEs’ behaviour, makes the evidence much more compelling and convincing when they are deciding whether to insure or lend to specific businesses. The tool also encouraged SMEs to initiate or improve resilient behaviour and to facilitate communication and knowledge exchange between SMEs and insurance providers. Overall, this research offers policy and practice recommendations that have the potential to increase mutual understanding and drive a positive behavioural change among SMEs and the insurance industry.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100801"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146187962","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Risk perception and response to changing wildfire hazards: Evidence from family forest owners in the western US Pacific Northwest 对变化的野火灾害的风险认知和反应:来自美国西部太平洋西北部家庭森林所有者的证据
IF 5 2区 环境科学与生态学
Climate Risk Management Pub Date : 2026-03-01 Epub Date: 2026-01-26 DOI: 10.1016/j.crm.2026.100795
Alexandra Paige Fischer , Mahmood Muttaqee , Riva C.H. Denny , Jeffrey D. Kline
{"title":"Risk perception and response to changing wildfire hazards: Evidence from family forest owners in the western US Pacific Northwest","authors":"Alexandra Paige Fischer ,&nbsp;Mahmood Muttaqee ,&nbsp;Riva C.H. Denny ,&nbsp;Jeffrey D. Kline","doi":"10.1016/j.crm.2026.100795","DOIUrl":"10.1016/j.crm.2026.100795","url":null,"abstract":"<div><div>Climate models predict future increases in the frequency, magnitude, and duration of natural hazard events, including heat waves, droughts, and wildfires. People may be aware of these natural hazards but unfamiliar with new patterns expected under climate change. Ideally, people would take action to protect themselves from natural hazard events—even those with which they have limited prior experience. Doing so would likely reduce the public costs of later assisting individuals impacted by events when they occur. Although a large body of research has examined how people perceive and protect themselves from the risks of natural hazards, fewer studies have focused on risk behavior in the context of changing hazard conditions. In such contexts, people’s past experiences may not be indicative of the future so they may rely more on their beliefs and information gained through their social networks when making decisions. Focusing on the western Pacific Northwest, USA–where a growing number of wildfires, including extreme wildfires, may signal changing hazard conditions–we examined the influence of wildfire hazard experiences, beliefs about environmental change, and information networks on family forest owners’ wildfire risk perceptions and risk mitigation intentions. We found strong correlations between family forest owners’ wildfire experiences and their wildfire risk perceptions. We also found strong correlations between owners’ risk perceptions and their beliefs about environmental change and information networks. Owners’ wildfire risk mitigation intentions were also correlated with their perceptions of risk, perceived capacity to reduce risk, beliefs about environmental change, and information networks. Our findings provide evidence that in the context of changing wildfire hazards, people rely on their experiences when making decisions about risk mitigation behavior in addition to their beliefs and social networks.</div></div>","PeriodicalId":54226,"journal":{"name":"Climate Risk Management","volume":"51 ","pages":"Article 100795"},"PeriodicalIF":5.0,"publicationDate":"2026-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"146188133","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":2,"RegionCategory":"环境科学与生态学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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