Flooding insurance policy for investment sustainability





Rio Vez, hydrological risks, floods, consequences, insurance policy


The location of flood events and the typology of consequences, the liability of insurers and the trust of citizens are up for discussion on sustainable investment policy. The facts are justified by periodical, regional and local press data, which provide detailed descriptions of the occurrences, with an accuracy tested at 84.3% for the River Vez Basin between 1900 and 2015. The innovation of this research has to do with the allocation of the insurance policy taking into account the distance between the point identifying the exposed element and the nearest river course and the number of rainier months that trigger the floods at a given location. The usefulness of the methodology also allows the assessment and readjustment over time of the effects of factors and policies on the value of properties and / or properties. These factors contribute to a saving of investments for the state, insurance companies and insured, which, due to the creation of need, will cause the insurance adhesion rate to be adjusted to protect against this danger. Thus, it is intended to demonstrate that from the data on flood frequency, their relationship with river distance and the rainier months of the year, a fairer insurance policy value can be assigned to the parties concerned by readapting them for hydrological and investment sustainability. Policy adaptations improve conditions and safety against this danger.


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Author Biography

Maria da Glória Salgado Gonçalves, 965687313

Investigadora do Centro de Estudos Geográfico, da Universidade de Lisboa / desde 2014.

Doutorada em Sustentabilidade Social e Desenvolvimento /  Universidade Aberta /2018

Mestrado em Riscos, Cidades e Ordenamento do Território /  Faculdade de Letras da Universidade do Porto / 2009.

 Pós-graduação em Gestão dos Riscos Naturais /Faculdade de Letras da Universidade do Porto / 2005;

Mestrado em Geofísica - 1.º ano curricular – equivalente a pós-graduação / Faculdade de Ciências da Universidade do Porto / 2004.

Licenciatura em Engenharia do Ambiente e dos Recursos Rurais / Escola Superior Agrária de Ponte de Lima, Instituto Politécnico de Viana do Castelo/ 2002. CP da OE Norte n.º 85208.