Linking hazard, exposure and risk across multiple hazards

自然灾害对世界上每个国家的人民和经济都构成重大风险，而且往往是一种难以量化或预测的未来负债。尽管社会做出了重大努力来保护自己不受灾难的影响，但最近的数据表明，它们的影响一直在上升。保险业估计，保险巨灾损失平均每年600亿美元，与总损失一起，自1980年以来一直在稳步增加(慕尼黑再保险公司，NatCatService)。自然灾害总数也出现了类似的增加，这主要是由于水文气象和气候事件的增加。*这项研究计划旨在更好地描述和权衡与加拿大和全球三种自然灾害-地震、洪水和风-相关的暴露。具体目标是确定一个共同框架和货币，以便评估和比较不同危害的自然灾害风险，并提供务实的手段，填补保险业目前风险管理程序中的空白。我们将利用来自保险业和现有公共科学和保险业数据的经验和数据，找到实用的方法来计算和比较跨学科的风险，并填补政府科学和上市(再)保险公司风险管理框架的空白。拟议研究的好处将包括量化加拿大和世界各地保险业风险的新方法，以便更好地了解、减轻和对冲城市和郊区遭受自然灾害的风险。该项目为PPA(公共、私人和学术)在风险研究、风险知识交流和模型开发方面的合作提供了一个平台。****

Natural hazards represent a significant risk to the people and economy of every country in the world, and are most often a future liability that is difficult to quantify or predict. While societies make significant efforts to protect themselves from disasters, recent data suggests that their impacts have been rising. The insurance industry estimates that insured catastrophic losses average $60 billion (USD) per year and, along with total losses, have increased steadily since 1980 (Munich Re, NatCatSERVICE). The total number of natural catastrophes shows a similar increase that is largely due to an increase in hydrometeorological and climatological events. ****This research program aims to better characterize and weight the exposure associated with three natural hazards - earthquake, flood and wind - for Canada and around the globe. The specific objective is to define a common framework and currency that allows for the assessment and comparison of natural catastrophic risk across different hazards and provide pragmatic means that fills gaps in current risk management processes of the insurance industry. We will leverage experience and data from the insurance industry and from available public science and insurance industry data to find pragmatic means to calculate and compare risk across disciplines and fill gaps in the risk management framework for government science and the publicly traded (re)insurance companies. The benefits of the proposed research will include new ways to quantify risk for the insurance industry for both Canada and around the world in order to better understand, mitigate and hedge exposure of urban and suburban areas to natural catastrophes. This project provides a platform for PPA (Public, Private and Academic) collaboration on risk research, risk knowledge exchange and model development. ****