{"id":154315,"date":"2024-03-21T07:42:00","date_gmt":"2024-03-21T06:42:00","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/154315\/"},"modified":"2024-11-07T03:49:08","modified_gmt":"2024-11-07T02:49:08","slug":"insurance-as-an-efficient-means-to-cover-the-risk-of-natural-disasters","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/154315\/","title":{"rendered":"Insurance as an Efficient Means to Cover the Risk of Natural Disasters"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-154315","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"Damage caused by natural disasters (including floods, avalanches, earthquakes) has assumed ever greater proportions in recent years. From a macroeconomic point of view, the extent of such damage is to be kept as low as possible, guarding the population from situations that can threaten their livelihood. Balancing that risk, whether through insurance or through public aid, is thus of critical importance. An international comparison looks at the methods used by various countries to achieve such a risk balance. Based on the economic literature, criteria are developed for efficient forms of carrying the risk. Evaluations of past losses and risk categories for properties are used to illustrate loss potentials.","onlinedate":"2007-01-26 01:00:00","lang":"German","publication_series":"","publication_date":"20061101","publication_date_year":"","publication_date_full":false,"publication_num_pages":"74","keywords":"[]","jelcodes":"[]","related_publications":"[]","pdf":326614,"zip":null,"link":"","monthly_report":false,"monthly_report_main":false,"monthly_report_volume":"","monthly_report_pages":"","monthly_report_pages_sort":"0","issue":"","journal":"","publisher":"","invisible":false,"external":false,"embargo_date":null,"types":[81966],"research_groups":[3655,3500],"collaboration":"","persons":[3853,3899],"persons_data":"[{\"personId\":3853,\"personName\":\"Franz Sinabell\",\"organisationNames\":[]},{\"personId\":3899,\"personName\":\"Thomas Url\",\"organisationNames\":[]}]","clients":[10760],"subclients":[],"partners":[],"topics":[],"host_publication_title":"","host_publication_subtitle":"","place_of_publication":"","host_publication_editors":"[]","type_description":"","output_media":"","chapter":"","article_number":"","citations":"{\"apa\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_apa rendering_bookanthology rendering_apa rendering_bookanthology_apa\\\"><span>Sinabell, F.<\\\/span><span>, &amp; Url, T.<\\\/span> (2006). <span><em>Versicherungen als effizientes Mittel zur Risikotragung von Naturgefahren<\\\/em><\\\/span>. WIFO. <a onclick=\\\"window.open(this.href, '_blank','noopener,noreferrer'); return false;\\\" href=\\\"https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/28181\\\" class=\\\"link\\\"><span>https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/28181<\\\/span><\\\/a><\\\/div>\",\"vancouver\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_vancouver rendering_bookanthology rendering_vancouver rendering_bookanthology_vancouver\\\"><span>Sinabell F<\\\/span><span>, Url T<\\\/span>. <span class=\\\"title\\\"><span>Versicherungen als effizientes Mittel zur Risikotragung von Naturgefahren<\\\/span><\\\/span>. WIFO; 2006.<\\\/div>\",\"bibtex\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_bibtex rendering_bookanthology rendering_bibtex rendering_bookanthology_bibtex\\\"><div>@book{629fcabff0514029a7cf34b476f3620c,<\\\/div><div>  title    = \\\"Versicherungen als effizientes Mittel zur Risikotragung von Naturgefahren\\\",<\\\/div><div>  abstract = \\\"Die von Naturgefahren (darunter Hochwasser, Lawinen, Erdbeben) ausgel{\\\\\\\"o}sten Sch{\\\\\\\"a}den nahmen in den letzten Jahren zu. Aus volkswirtschaftlicher Sicht soll das Schadensausma{\\\\ss} m{\\\\\\\"o}glichst gering gehalten werden, existenzbedrohende Situationen sollen von der Bev{\\\\\\\"o}lkerung abgewendet werden. Dem Risikoausgleich, sei es durch Versicherungen oder durch {\\\\\\\"o}ffentliche Beihilfen, kommt dabei eine zentrale Rolle zu. In einem internationalen Vergleich wird untersucht, wie einzelne L{\\\\\\\"a}nder diesen Risikoausgleich gestalten. Auf Basis der {\\\\\\\"o}konomischen Literatur werden Kriterien f{\\\\\\\"u}r effiziente Formen der Risikotragung entwickelt. Auswertungen von zur{\\\\\\\"u}ckliegenden Schadereignissen und die Einstufung der Gef{\\\\\\\"a}hrdung von Liegenschaften werden genutzt, um Schadenspotentiale zu illustrieren.\\\",<\\\/div><div>  keywords = \\\"Risikoausgleich Naturgefahren Schadenspotential Versicherung, Risikoausgleich Naturgefahren Schadenspotential Versicherung\\\",<\\\/div><div>  author   = \\\"Franz Sinabell and Thomas Url\\\",<\\\/div><div>  year     = \\\"2006\\\",<\\\/div><div>  month    = nov,<\\\/div><div>  language = \\\"Deutsch\\\",<\\\/div><p>}<\\\/p><\\\/div>\",\"ris\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_ris rendering_bookanthology rendering_ris rendering_bookanthology_ris\\\"><p>TY  - BOOK<\\\/p><p>T1  - Versicherungen als effizientes Mittel zur Risikotragung von Naturgefahren<\\\/p><p>AU  - Sinabell, Franz<\\\/p><p>AU  - Url, Thomas<\\\/p><p>PY  - 2006\\\/11<\\\/p><p>Y1  - 2006\\\/11<\\\/p><p>N2  - Die von Naturgefahren (darunter Hochwasser, Lawinen, Erdbeben) ausgel\u00f6sten Sch\u00e4den nahmen in den letzten Jahren zu. Aus volkswirtschaftlicher Sicht soll das Schadensausma\u00df m\u00f6glichst gering gehalten werden, existenzbedrohende Situationen sollen von der Bev\u00f6lkerung abgewendet werden. Dem Risikoausgleich, sei es durch Versicherungen oder durch \u00f6ffentliche Beihilfen, kommt dabei eine zentrale Rolle zu. In einem internationalen Vergleich wird untersucht, wie einzelne L\u00e4nder diesen Risikoausgleich gestalten. Auf Basis der \u00f6konomischen Literatur werden Kriterien f\u00fcr effiziente Formen der Risikotragung entwickelt. Auswertungen von zur\u00fcckliegenden Schadereignissen und die Einstufung der Gef\u00e4hrdung von Liegenschaften werden genutzt, um Schadenspotentiale zu illustrieren.<\\\/p><p>AB  - Die von Naturgefahren (darunter Hochwasser, Lawinen, Erdbeben) ausgel\u00f6sten Sch\u00e4den nahmen in den letzten Jahren zu. Aus volkswirtschaftlicher Sicht soll das Schadensausma\u00df m\u00f6glichst gering gehalten werden, existenzbedrohende Situationen sollen von der Bev\u00f6lkerung abgewendet werden. Dem Risikoausgleich, sei es durch Versicherungen oder durch \u00f6ffentliche Beihilfen, kommt dabei eine zentrale Rolle zu. In einem internationalen Vergleich wird untersucht, wie einzelne L\u00e4nder diesen Risikoausgleich gestalten. Auf Basis der \u00f6konomischen Literatur werden Kriterien f\u00fcr effiziente Formen der Risikotragung entwickelt. Auswertungen von zur\u00fcckliegenden Schadereignissen und die Einstufung der Gef\u00e4hrdung von Liegenschaften werden genutzt, um Schadenspotentiale zu illustrieren.<\\\/p><p>KW  - Risikoausgleich Naturgefahren Schadenspotential Versicherung<\\\/p><p>KW  - Risikoausgleich Naturgefahren Schadenspotential Versicherung<\\\/p><p>M3  - Studie<\\\/p><p>BT  - Versicherungen als effizientes Mittel zur Risikotragung von Naturgefahren<\\\/p><p>ER  - <\\\/p><\\\/div>\"}","scientific_assistance":"[\"Weinberger Dietmar\",\"Glauninger Ursula\"]","scientific_review":"[]","version":"","release_date":null,"expiration_date":null,"surveyor":"","research_assistance":"","edv":"","additional_info_de":"","additional_info_en":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance as an Efficient Means to Cover the Risk of Natural Disasters - WIFO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wifo.ac.at\/en\/publication\/154315\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance as an Efficient Means to Cover the Risk of Natural Disasters\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wifo.ac.at\/en\/publication\/154315\/\" \/>\n<meta property=\"og:site_name\" content=\"WIFO\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WIFOat\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-07T02:49:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WIFOat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/154315\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/154315\\\/\",\"name\":\"Insurance as an Efficient Means to Cover the Risk of Natural Disasters - 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