德国洪水风险管理

Swenja Surminski, London School of EconomicsViktor Roezer, London School of EconomicsMaryam Golnaraghi,The Geneva AssociationFlood Risk Managementin GermanyBuilding flood resilience in a changing climate The Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurance companies; ourmembers are insurance and reinsurance Chief Executive Officers (CEOs). Based on rigorous research conducted incollaboration with our members, academic institutions and multilateral organisations, our mission is to identifyand investigate key trends that are likely to shape or impact the insurance industry in the future, highlighting whatis at stake for the industry; develop recommendations for the industry and for policymakers; provide a platform toour members, policymakers, academics, multilateral and non-governmental organisations to discuss these trendsand recommendations; reach out to global opinion leaders and influential organisations to highlight the positivecontributions of insurance to better understanding risks and to building resilient and prosperous economies andsocieties, and thus a more sustainable world.Published by The Geneva Association—International Association for the Study of Insurance Economics, Zurich.The Geneva Association—International Association for the Study of Insurance EconomicsTalstrasse 70, CH-8001 ZurichEmail: secretariat@genevaassociation.org | Tel: +41 44 200 49 00 | Fax: +41 44 200 49 99 2www.genevaassociation.orgJune 2020Flood Risk Management Germany© The Geneva AssociationPhoto credits:Cover page—ArnoldW / Shutterstock.com Contents1.Executive summary2.Introduction3.Drivers of flood risk in Germany3.1.Population growth and development3.2.Climate change4.Evolution of flood risk management in Germany4.1.Major floods as drivers of flood risk management actions4.2.Institutional roles and responsibilities4.3.Legislative actions5.Flood risk management in Germany5.1.Flood risk information, communication and awareness5.2.Flood alerts and early warnings5.3.Emergency preparedness measures5.4.Risk reduction measures5.5.Property-level protection measures5.6.Prevention through development planning and land use5.7.Disaster risk financing measures for government5.8.Flood insurance and other risk transfer solutions5.9.Reconstruction6.Towards an all-of-society approach to flood risk management6.1.Cross-governmental collaboration6.2.Cross-sectoral collaboration7.Conclusions: Successes, continued challenges and lessons learnedReferencesAnnexQuestions used for mapping and analysing the evolution of flood risk management 3Flood Risk Management in Germany1618181919192021212424252626272829303031343741 4www.genevaassociation.orgAcknowledgementsMaryam Golnaraghi, Director of Climate Change and Emerging EnvironmentalTopics at The Geneva Association, is the lead investigator and coordinating authorof the project.We are grateful to Munich Re's NatCatSERVICE for providing critical data for thisproject and would like to extend special thanks to Petra Löw and Sabine Schlüter-Mayr(Munich Re) for supporting us in this process. We extend our gratitude to the membersof the Geneva Association Flood Project Advisory Team for providing invaluableinsights for the overall design of the project, including Shiraj Khan (AIG), WolfgangKron (Munich Re, retired), Leigh Wolfrom (Organisation for Economic Cooperationand Development – OECD), Darius Pissulla (Hannover Re), Cameron Rye (formerly ofSCOR), Michael Szönyi (Zurich Insurance Company), Mandy Dennison (Intact Finan-cial), Masaaki Nagamura (Tokio Marine), Jacki Johnson (IAG), Alan Milroy (AXA XL), IainHamilton (Aviva) and Xiaoting Hu (Tokio Marine Technologies). The following expertsprovided valuable input to this report by participating in discussions and interviews:Annegret Thieken (DKKV/University of Potsdam), Oliver Hauner (Gesamtverband derDeutschen Versicherungswirtschaft e.V. – German Insurance Association, GDV), DariusPisualla (Hannover Re), Leigh Wolfram (OECD), Tobias Ellenrieder and Wolfgang Kron(Munich Re, retired), and Stefan Rimkus and Maurizio Savina (SCOR SE). We would liketo thank all members of The Geneva Association Working Group on Climate Changeand Emerging Environmental Topics for their review and feedback, with particularthanks to Simone Ruiz-Vergote, Andreas Funke and Markus Aichinger (Allianz), JenniferWaldner, Anthony Zobl, Paul DiPaola, Marc Lehman, Mohammad Javanbarg, MaheshPantula, Kartik Lotlikar and Evan Hughes (AIG), Chris Boss (Aviva), Andrew Dyer andMark Leplastrier (IAG), Martin Beaulieu and Mandy Dennison (Intact Financial), EdwardMishambi and Craig Tillmann (Renaissance Re), Junaid Seria, Guillaume Ominetti,Maurizio Savina and Stefan Rimkus (SCOR), Masaaki Nagamura and Kei Kato (TokioMarine & Nichido Fire Insurance Co) and Ernst Rauch, Eberhard Faust and PanosCharissiadis (Munich Re). Finally, we thank Kai-Uwe Schanz (The Geneva Association)for his helpful comments. 5Flood Risk Management in Germ