Canadian flood risk-sharing models in the face of climate change

面对气候变化的加拿大洪水风险分担模型

• 批准号: 561390-2020
• 负责人: Boudreault, MathieuM
• 金额: $ 8.41万
• 依托单位: Université du Québec à Montréal
• 依托单位国家: 加拿大
• 项目类别: Alliance Grants
• 财政年份: 2022
• 资助国家: 加拿大
• 起止时间: 2022-01-01 至 2023-12-31
• 项目状态: 已结题
• 来源: https://www.nserc-crsng.gc.ca/ase-oro/Details-Detailles_eng.asp?id=759293
• 关键词: Canadian; flood; risk; sharing; models

Flooding is the most common and costly natural hazard in Canada. Because of climate change and continued urbanization in high-risk flood areas, there is a growing threat to the safety of Canadian communities. As a result, nearly one-in-ten households in Canada is at risk of flooding. To increase Canada's resilience to flooding and climate change, researchers from the Université du Québec à Montréal, Université Laval and the University of Waterloo have partnered with Public Safety Canada and the Insurance Bureau of Canada to develop science-based viable solutions for financial risk management of flood risk in Canada and to accelerate the implementation of these solutions in the country.Deeply rooted in actuarial and climate sciences, we will create innovative methodologies to determine (1) how the federal, provincial and territorial (FPT) governments as well as municipalities and the insurance industry should contribute to share financial losses from flooding in the current Canadian context (legislative, environmental, etc.); (2) how much we should expect to pay for flooding in the future accounting for climate change; and, (3) how climate change should shape financial risk-sharing and risk management strategies to assure a viable, stable and ideally self-financing system in Canada. Through the work of the interdisciplinary Task Force on Flood Insurance and Relocation led by Public Safety Canada, this research project will in turn form the basis of considered options by FPT governments to increase Canada's resilience to flooding and climate change.While applying their technical skills in actuarial science, the research trainees will gain important insights about (physical) flood processes, adaptation to climate change and flood insurance. As climate change is gradually being factored in by insurance regulators and public policies, research trainees and staff will be better positioned to become international leaders in the public/private sectors such as research actuaries, catastrophe risk modellers, climate data scientists, flood risk managers or governance and policy experts.

洪水是加拿大最常见、代价最高的自然灾害。由于气候变化和高风险洪泛区的持续城市化，加拿大社区的安全受到越来越大的威胁。因此，加拿大近十分之一的家庭面临洪灾风险。为了提高加拿大对洪水和气候变化的适应能力，魁北克大学、拉瓦尔大学和滑铁卢大学的研究人员与加拿大公共安全局和加拿大保险局合作，为加拿大洪水风险的金融风险管理开发以科学为基础的可行解决方案，并加快这些解决方案在该国的实施。我们将创建创新的方法，以确定(1)联邦、省和地区(FPT)政府以及市政当局和保险业应如何在当前加拿大背景下(立法、环境等)分担洪水造成的财务损失；(2)考虑到气候变化，我们应该为未来的洪灾支付多少费用；(3)气候变化应该如何塑造金融风险分担和风险管理战略，以确保加拿大有一个可行、稳定、理想的自筹资金体系。通过由加拿大公共安全局领导的洪水保险和重新安置跨学科特别工作组的工作，这项研究项目将反过来成为FPT政府考虑的方案的基础，以提高加拿大对洪水和气候变化的适应能力。在应用他们在精算学方面的技术技能的同时，研究受训人员将获得关于(物理)洪水过程、适应气候变化和洪水保险的重要见解。随着气候变化逐渐被保险监管机构和公共政策考虑在内，研究实习生和工作人员将更有能力成为公共/私营部门的国际领导者，如研究精算师、巨灾风险模型师、气候数据科学家、洪水风险管理人员或治理和政策专家。