Characterize the vulnerability of households to flooding: towards a self-diagnostic tool

Abstract : In France, as in many other countries, the framework for public prevention policy is changing. The increasing frequency of natural disasters, the consequent rise in loss ratios and the socio-economic impact on individuals and their property are all factors that have prompted government and the insurance industry to deepen their understanding of the vulnerability of households to flooding. As a demonstration of their commitment to socio-economic values, the Mutuelles d'Assurance Niortaises (an association of French insurance companies), in collaboration with local authorities, appointed CALYXIS (a European research centre specialised in risk prevention) to carry out a prospective study.This thesis describes the process undertaken by CALYXIS for the design of an assessment tool (like a "Serious Game"), and investigates its deployment modalities and questions of ownership. From the point of view of public and private spheres of activity it takes a 'horizontal' approach; at the same time it aims to meet the needs of the general public by empowering households in the area of prevention through the promotion of a 'vertical' approach. It proposes a design for a self-diagnostic method which makes it possible to identify, describe and reduce the vulnerability of households to flooding. The work is based on scientific and technical contributions from insurance experts, complemented by fieldwork and an experimental study of flood claim files from CatNat (CATastrophes NATurelles, a French organisation that monitors natural disasters). The result of this modelling is an inventory of 'intrinsic' and 'extrinsic' factors, which exacerbate or reduce damage at the micro-economic level. Variability in these factors is used to draw up vulnerability profiles that are used to define action plans. The aim of the approach is, on the one hand, to strengthen the position of the individual in managing flood risk, and on the other hand, to improve the ability of government and the insurance industry to integrate new knowledge and inform the direction they take in the development of current policy.
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Audrey Aviotti. Characterize the vulnerability of households to flooding: towards a self-diagnostic tool. Architecture, aménagement de l'espace. École Nationale Supérieure des Mines de Paris, 2011. Français. ⟨NNT : 2011ENMMP0081⟩. ⟨pastel-00687154⟩

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