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Insurance and Disaster Management

    

 

Every year, hundreds of millions of people are directly affected by natural disasters, technical or industrial accidents and humanitarian crises. In Europe for instance, southern countries are regularly facing major wild fires whereas central Europe is often affected by severe flooding episodes.

 

Copernicus supports public authorities in all the phases of disaster management. Copernicus can support preparedness and prevention by providing data that helps to identify risks and prevent loss of lives and damages. During the response phase, it supports civil protection operations by providing products like maps identifying the extent of the disaster (e.g. delineation of the flooded area) and the level of damage (e.g. destroyed buildings in case of an earthquake). During the recovery phase, it helps to monitor the medium- and long-term impacts on environment, human safety and economy, and their evolution.

 

Earth observation is also used in the insurance sector. It can be used to update, validate and calibrate risk models. It helps assessing losses when a catastrophe has occurred. It can also be used to compute indexes which are then taken in to account to calculate indemnities to be paid.

 

 

Flood extent map of the area of Lazarevac, Serbia, showing the decrease of the flooded areas

(Credits: Copernicus Emergency Management Service).

Assessment of the vulnerability of the population to flooding in Rio Mamore, Bolivia

(Credits: Copernicus Emergency Management Service)

 

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