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Improving society's ability to prepare for, respond to and recover from flooding requires integrated, anticipatory flood risk management (FRM). However, most countries still focus their efforts on responding to flooding events if and when they occur rather than addressing their current and future vulnerability to flooding. Flood insurance is one mechanism that could promote a more ex ante approach to risk by supporting risk reduction activities. This paper uses an adapted version of Easton's System Theory to investigate the role of insurance for FRM in Germany and England. We introduce an anticipatory FRM framework, which allows flood insurance to be considered as part of a broader policy field. We analyze if and how flood insurance can catalyze a change toward a more anticipatory approach to FRM. In particular we consider insurance's role in influencing five key components of anticipatory FRM: risk knowledge, prevention through better planning, property‐level protection measures, structural protection and preparedness (for response). We find that in both countries FRM is still a reactive, event‐driven process, while anticipatory FRM remains underdeveloped. Collaboration between insurers and FRM decision‐makers has already been successful, for example in improving risk knowledge and awareness, while in other areas insurance acts as a disincentive for more risk reduction action. In both countries there is evidence that insurance can play a significant role in encouraging anticipatory FRM, but this remains underutilized. Effective collaboration between insurers and government should not be seen as a cost, but as an investment to secure future insurability through flood resilience.
Entlang der Küstenniederung des Naturschutzgebietes „Hütelmoor und Heiligensee“, ca. 6 km nordöstlich von Rostock-Warnemünde gelegen, wird seit dem Jahr 2000 die Küstendüne nicht mehr instand gehalten. Im Rahmen der Renaturierung des Gebietes werden so grundsätzlich wieder Überflutungen bei Ostseehochwassern zugelassen, was bisher jedoch noch nicht eingetreten ist. Am 4./5. Januar 2017 ereignete sich ein Sturmhochwasser der Ostsee, mit einem Scheitelwasserstand in Warnemünde, der sich zwischen dem 10- und 20-jährlichen Hochwasserstand einordnet. Dennoch kam es bei diesem Ereignis nicht zum Dünendurchbruch und zur seeseitigen Überflutung, wohl aber zum binnenseitigen Einstrom von Salz- bzw. Brackwasser. Dieser erfolgte über den Graben, durch den das Gebiet normalerweise über die Warnow in die Ostsee entwässert. Durch das Einströmen über die Sohlschwelle, sonst Auslass des Gebietes, stiegen die Wasserstände und Salzkonzentrationen in der südwestlichen Hälfte der Niederung an. Mit zunehmender Entfernung zur Sohlschwelle waren diese Auswirkungen jedoch geringer spürbar. Dies gilt wegen der Retentionswirkung der Niederung mehr für den Wasserstand als für die Salzkonzentration. Während der Wasserstand durch den Einstau der Niederung und Überschwemmungen flächenhaft anstieg, breitete sich die Salzfront präferentiell in den ehemaligen Entwässerungsgräben, die trotz des Einstaus nach wie vor hydraulisch aktiv sind, eher linienhaft aus. Diese Interpretation beruht auf Messergebnissen von Wasserstand, elektrischer Leitfähigkeit und Wassertemperatur.
Adaptation to flood risk
(2017)
As flood impacts are increasing in large parts of the world, understanding the primary drivers of changes in risk is essential for effective adaptation. To gain more knowledge on the basis of empirical case studies, we analyze eight paired floods, that is, consecutive flood events that occurred in the same region, with the second flood causing significantly lower damage. These success stories of risk reduction were selected across different socioeconomic and hydro-climatic contexts. The potential of societies to adapt is uncovered by describing triggered societal changes, as well as formal measures and spontaneous processes that reduced flood risk. This novel approach has the potential to build the basis for an international data collection and analysis effort to better understand and attribute changes in risk due to hydrological extremes in the framework of the IAHSs Panta Rhei initiative. Across all case studies, we find that lower damage caused by the second event was mainly due to significant reductions in vulnerability, for example, via raised risk awareness, preparedness, and improvements of organizational emergency management. Thus, vulnerability reduction plays an essential role for successful adaptation. Our work shows that there is a high potential to adapt, but there remains the challenge to stimulate measures that reduce vulnerability and risk in periods in which extreme events do not occur.
Let’s talk about flood risk
(2020)
Private flood protection measures can help reduce potential damage from flooding. Few intervention studies currently exist that systematically evaluate the effectiveness of risk communication methods. To address this gap, we evaluated a series of six workshops (N = 115) on private flood protection in flood-prone areas in Germany that covers different aspects of flood protection for individual households.
Applying mixed-model analysis, significant increases in self-efficacy, subjective knowledge, and protection motivation were observed. Younger participants, as well as participants who reported lower levels of previous knowledge or no flood experience, showed a higher increase in self-efficacy and knowledge. Results suggest that a workshop can be an effective risk communication tool, raising awareness and motivating behaviour among residents of flood-prone areas.