National’s view on evidence-based assessment of the Sendai Indicators‒ Norway (Mia Ebeltoft, Finance Norway)

www.financenorway.com
Evidence-based assessment of the Sendai
Indicators
Oct 26-28 EC-OECD-PLACARD
By Mia Ebeltoft, Finance Norway
Association for the norwegian banks and
insurance companies

www.financenorway.com2
Suggested global indicators
Target A Target B Target C Target D
A1- Number of deaths and
missing due to hazardous
events per 100,000
B1- Number of affected people per 100,000
C1- Direct economic loss due to hazardous events in relation to global gross domestic
product
D1- Damage to critical infrastructure due to hazardous
events
(A-2 + A-3) (sum of B-2 to B-6) (sum of C-2 to C-7) (sum of D-2 to D-5)
A-2Numberofdeaths
A-3Numberofmissing
B-2-Injuredorill
B-3a–Numberofevacuated
B-3b-Numberofrelocated
B-4-Numberofpeoplewhosehouses
weredamaged
B-5-Numberofpeoplewhosehouses
weredestroyed
B-6-Numberofpeoplewhoreceivedfood
reliefaid
C-2-Directagriculturalloss
C-3-Directeconomiclossdueto
industrialfacilitiesdamagedordestroyed
C-4-Directeconomiclossdueto
commercialfacilitiesdamagedor
destroyed
C-5-Directeconomiclossduetohouses
damaged
C-6-Directeconomiclossduetohouses
destroyed
C-7-Directeconomiclossduetodamage
tocriticalinfrastructurecausedby
hazardousevents
D-2-Numberofhealthfacilitiesdestroyed
ordamaged
D-3-Numberofeducationalfacilities
destroyedordamaged
D-4-Numberoftransportation
infrastructuresdestroyedordamaged
D-5-Numberoftimebasicserviceshave
beendisrupted
Mapping
Public Authority
Norwegian Institute of
Public Health, Cause
of Death Registry,
International
Classifikaction of
Diseases (ICD)
Norwegian
Directorat of
Health,
Norwegian
Patient Registry
Norwegian
National Fund
for Natural
Damage
Assistance
Academic & Research
Institutes
Private Sector Finance Norway Finance Norway Finance Norway Finance Norway Finance Norway Finance Norway Finance Norway Finance Norway
Data
Recording
[National, Regional,
Municipality, Asset]
National
National,
recordning from
specialised
services only
Asset Asset National Asset Asset Asset Asset
Asset,
recordning from
primary health
care only
Asset,
recordning from
municipal level
only
Format
[database, shp,...]
Oracle/SQL SQL SAS/SQL SAS/SQL Unknown SAS/SQL SAS/SQL SAS/SQL SAS/SQL SAS/SQL SAS/SQL
B4 and B5 C3, C4 C5 and C6
Indicators and
Insurance
loss data

Insurance loss data
Target B: affected people and
Target C: Direct economic loss
• B-4- Number of people whose houses were damaged
• B-5- Number of people whose houses were destroyed
• C- 3 -Direct economic loss due to industrial facilities damaged or destroyed
• C-4- Direct economic loss due to commercial facilities damaged or destroyed
• C-5- Direct economic loss due to houses damaged and C-5 b loss of administrative building
• C-6- Direct economic loss due to houses destroyed
• Around 99 % of the (228) municipalities by private property insurance
• Finance Norway (insurance association) collects loss data on a municipality level
• Indirect insurance loss data due to Natcat hazards / events or urban flooding:
– business interruption, motor vehicle, electricity disruption, personal accidents
3

Questions from JRC
Question no 1
• “How National loss databases can support the implementation of Sendai Indicators at
Global and National scale?”
• Observations and answer:
– National database will give a totally different and better holistic risk picture
• Today neither the local, regional or national Government have the total risk picture, the cause of the
disaster or the costs the disasters
• Will be needed to fulfill the “build back better” - goal
– A national database must also be “multi-beneficial” on DRR and CC adaptation
• Not only used as an «reporting-upwards» -system (for the national coordinator/ the Civil Protection)
Important: loss data on a municipal / city level will NOT help the local Government fulfill Sendai.
They need to know WHERE exactly the losses are (the address).
4

Questions nr 2
• “How targeted collaboration between Scientific Experts and Public Authorities can
improve the implementation of loss databases, according to the Sendai Framework?”
• Observations:
The research projects:
– are extremely many and complex, but not coordinated or possible to get an overview of – so, where are the
synergies?
– are almost impossible to track or find, or to understand or use for local (and partly national) decision makers
• They don´t give the decision makers – particularly on local level – the tools or useful «instruments» they
need for preventive measures / fulfilling the Sendai goals.
– are too much based on, or defined by the researchers themselves, not the practitioners
– need to bring the decision makers on all levels into the projects (not only the signature/name or funding)
5

Question 3
• Which are the benefits from an effective national implementation of the Sendai
Indicators in terms of loss accounting, risk modelling, loss compensation and
disaster forensic?
• Observations/answer
– Holistic picture; understanding the «real» picture and trends and how it hits the economical budgets
– Will create different political and technical decisions
– Will (hopefully) make the public stakeholdes see the need of cross – border engage the other i
stakeholders – cooperation
6

Question no 4
7
• What is the roadmap for the National implementation of Sendai Indicators?
– National agencies established a national platform with multi – agencies /stakeholders from the
authorities
– Finance Norway (insurance) will probably be included
• Already set up three projects – where loss data is one
– National White Paper (road map) before end of 2016
Otherwise:
– Follows Japan suggestion (less indicators)

Holistic risk picture: You need
collaboration cross sectors
Thevalueof
collaboration
Governments Private
Sector
Local
Authorities Public Agencies
Insurance Industry
• Risk management
• Assessment
• Quantify & Calculate
• Risk transfer
products
• Collects local disaster
loss data
• Compensate, don’t mitigate

Kilde: Geneva
Association

0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
Damages-millNOK
Total "water-related" damages incl urban flooding
vs land /river-flooding
Total water damage
Land flooding
Other Natural Perils

Urban flooding: 70 % of “natcat” (disaster)
insurance loss
11
Average insurance pay outs last 10
years
River
floodin
g
Urban
flooding
/ storm
water
Landslide
Stormsurge
Urban
flooding
/ sewer
back up2/3 of Europeans live in cities

“National’s view on evidence-based assessment”
• PPP by Finance Norway
– Finance Norway started in 2010 to invite municipalities and relevant national agencies and ministries into
(smaller) discussion forum and workshops (“PPP local and national platform”)
– Based on this cross-over dialogue, connections and workshops, Finance Norway initiated, or participated
from 2011 and following years - 4 projects directly related to transfer of insurance loss data:
1. Private - public - project (PPP): local insurance loss data to make the cities understand risk zones and take
better, more resilient decision and investments + “build back better”
2. Geovisualization tool – based on PP 1: a ‘data display’ of all natcat compensations on municipality level
(Climres)
3. Collected critical risk management information for agencies (river flooding) through insurance loss adjusters
– changed flood models and better prioritizing of local flood maps
4. PPP-platform; 8- years national research program together with national agencies, municipalities,
researchers and business - http://www.klima2050.no/
12

How local insurance lossdata can fulfill
Sendai goals
13
Private – Public Project:
Using insurance loss data to
strengthen municipalities’ efforts
to prevent climate-related natural
hazards
Collaboration project between Finance Norway
Western Norway Research Institute
Norwegian University of Science and Technology
Number 1
PPP

What helped to kick off the project
 “In order to improve adaptation, and to be able to prioritize, and to
take the right, optimal decisions, you need to understand what is
at risk and where are the “risk zones” (vulnerable areas). “
 The report NOU2010:10 recommended to (and by that challenges
the insurance industry):
 ”Establish a nastional database for public use and research using
aggregate, anonymised data on climate-related damage from the insurance
companies and the Norwegian Natural Perils Pool”».
National
Green
Paper

First «public-private-project» in Europe
in its kind
• Initiated by Finance Norway in close dialogue with
municipalities and national agencies (flood agency
and civil protection agency)
• Financed by:
– Finance Norway/ insurance industry and
– Norwegian Government (Ministry of Climate and Environment)
• Ten different “pilot” municipalities/cities
• Reference group: five different agencies and
meteorological inst.
• Project period: Sept 2013 to Feb 2015

Main goals
• Can insurance loss data help climate - resilient and
disaster risk reduction work in the municipalities?
• Will these loss data strengthen municipalities’
knowledge base for preventing for natcat and urban
flooding-related natural hazards?
• Will the insurance loss data help secure and preserve
the insurance willingness to (still) offer covered?
– Avoid repetitive damages and diminish the increasing
number of damages
– Avoid “unaffordable” insurance premium or withdrawal of
insurance coverage

• Generally
– Increase collaboration within the municipalities (planning og technical)
– Got new insights into risks previously unknown and vulnerable areas (hot spots)
– Improved understanding of how climate change affects society (did not show on the budget!)
• Land-use planning
– Improved knowledge base to
• select areas with the lowest possible risk of natural hazards
• prioritize security measures
• Construction and maintenance of water and sanitation
– Improved knowledge base for
• prioritizing management, maintenance, rehabilitation, and reinvestment
• collaboration between municipal water/sanitation and planning units
• Preparedness
– Improved knowledge base for risk and vulnerability analyses (ROS-analyses required by law)
17
Main conclusion
This PP-project kicked of many other research projects using local insurance loss data
We are now looking into combining insurance loss data (vulnerable areas) and local weather
(meteorological institute)

Oslo capital – the city’s own loss data

Oslo – after transfer of insurance loss data from
private, business and municipality buildings

www.climres.no/
Number 2
PPP

Insurance loss data on municipal level:
Geovisualization tools showing insurance compensation due to various natcat (river flooding, strom,
storm surge, landslide) and storm water and sewage backup (urban flooding) from 1980 - 2014
http://setebos.svt.ntnu.no/climres/

Collected critical risk management information for agencies (river flooding)
through insurance loss adjusters – changed flood models and better
prioritizing of local flood maps
Extra table with parameters related to the flood. To be able to link this information to the rest of
the survey, the following information was requested: surveyor name, survey no., insurance
company, location and municipality no.
Flood parameters included in registration form used by insurance surveyors
Number 3
PPP
Building no. ID or type of building
Water level cm +/- relative to ground floor level
Basement? yes/no
Erosion, under-mining of
building? yes/no
Mass deposition outside
of the building? yes/no - thickness
Damage due to floating objects etc. hitting
the building? yes/no
Supplementary information

National’s view on evidence-based assessment of the Sendai Indicators‒ Norway (Mia Ebeltoft, Finance Norway)

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