Disaster Risk Reduction Strategies Research Articles

Prioritization of Susceptibility Zones for Multi-Hazard in Jammu Division of the North-West Himalayas, India for Disaster Risk Reduction

Environmental hazards have always been a source of serious concern as they are becoming more severe and wider in scope, enhancing the risk of additional losses to the environment and public health. The comprehensive risk assessment has emerged as a core component of disaster mitigation strategy. After the international convention on sustainable development in 1992, the multi-hazard approach is widely used as part of Disaster Risk Reduction (DRR) strategy. Lying in the vicinity of the North-West Himalayan region, Jammu Division is prone to multiple hazards which have led to numerous causalities. In this study, landslides, floods, earthquakes, droughts, forest fires and soil erosion are considered for prioritizing risk from multi-hazard. Analytical Hierarchy Process have been adopted for data processing for the standardisation and normalisation of the weights. The area prone to multiple hazards is delineated after overlaying all the individual assessment of hazard events using weights computed by an objective approach. The multi-hazard susceptibility map is categorised into five zones: very low, low, moderate, high and very high. The findings revealed that 43.43 % of area lying in south eastern, central and eastern part is suffering from multiple hazards are prioritized for preventing communities to suffer from the multiple hazards. This area lies in central part of the study area in proximity to faults and weak lithology. The identified area under multi-hazard should be well studied for potential cascading of hazards. The targeted interventions and proactive measures should be adopted for enhancing the resilience and disaster risk reduction. The prioritized zones will be extremely valuable for risk profiling, vulnerability assessment and formulation or revision of DRR strategy action plans.

Evaluation of Geohazards Research in the World and Pacific Region: A Comparative Bibliometric Study

Geohazards are natural phenomena that endanger infrastructure, the environment, and human activity. Understanding and mitigating them is crucial for public safety, disaster preparedness, and sustainable land and resource management. This research objective is to analyze geohazard research trends globally and then compare them with countries around the Pacific Ring. Ninety-six geohazard publications were analyzed using bibliometric analysis and the VOSviewer application. The general trend of geohazard research increased slightly. It is critical in dealing with the expanding threats posed by geohazards, adapting to changing conditions, protecting vulnerable people, and leveraging technological improvements for more effective hazard management and disaster risk reduction. The Annual Offshore Technology Conference Proceedings and Engineering Geology are the most popular scholarly journals for authors to publish research on geohazard. The most popular topic area for geohazard papers is Earth and Planetary Sciences, followed by engineering, environmental science, and computer science. It is consistent with the growing use of technology in geohazard research. This study also includes an authorship profile. This research implies enhancing disaster risk reduction strategies and contributing to global efforts to address the challenges posed by geohazards.

Determining factors influencing flood preparedness among citizens in Jakarta: A protection motivation theory approach

The Jakarta Metropolitan Area is one of the cities heavily affected by floods in Asia. Effective disaster risk reduction strategies require deep understanding of what motivates its citizens towards preparedness and mitigation actions. This study aimed to discern these motivating factors among Jakarta's residents through the Protection Motivation Theory (PMT) approach. Through an online survey, 304 participants provided insights into how the extended PMT factors shape their Protection Motivation (PM) towards flood preparedness. A total of nine (9) variables and 41 constructs were considered in this study. PMT factors were comprised of PM, Perceived Severity (PS), Perceived Vulnerability (PV), Response Efficacy (RE), and Perceived Self-Efficacy (SE) along with additional factors such as Media (M), Government Preventive Actions (GA), Flood Experience (FE), and Geographical Perspectives (GP). Partial Least Square Structural Equation Modeling (PLS-SEM) revealed that SE had the most substantial impact on influencing PM (β = 0.522) followed by PV, PS, and RE. The results also showed the significance of M and GA to both SE and RE. Meanwhile, FE illustrates positive impact to both PV and PS. Interestingly, GP was found to be only significant to PV and not to PS. External factors M and GA demonstrated a significant indirect effect on PM through SE, whereas GP exhibited a significant indirect effect on PM through PV. These findings provide actionable insights for policymakers and disaster management practitioners, emphasizing the power of media and the need for comprehensive strategies that address both the psychological and practical aspects of flood disaster readiness in Jakarta and potentially other flood-prone regions.

Vulnerability of elderly people during climate-induced disasters in Sub-Saharan Africa: a scoping review

Climate-induced disasters present significant challenges to vulnerable populations, especially elderly individuals with disabilities who face unique difficulties in preparing for, responding to, and recovering from such catastrophic events. Despite growing concerns about the impact of climate-induced disasters in sub-Saharan Africa, there is a notable lack of information regarding the specific vulnerabilities experienced by elderly people with disabilities in this region. This study aims to address this gap by identifying and synthesizing the existing literature on the subject. Researchers conducted a scoping review, selecting articles from regional (Sabinet African Journals, Science Direct) and global databases (PubMed, PsycINFO, and ProQuest) using search strategies with Boolean operators, truncations, and MeSH terms. The review included primary studies (qualitative, quantitative, and mixed methods) published between 2013 and 2023 that met specified inclusion and exclusion criteria, with a focus on assessing the quality of the included studies. The findings revealed that elderly people in sub-Saharan Africa face significant physical, cognitive, and socio-economic challenges due to limited access to resources, inadequate infrastructure, and social exclusion. These challenges are amplified in the sub-Saharan context, highlighting a critical gap in inclusive risk reduction strategies during disasters. The review emphasizes an urgent need for targeted research and the development of community-based intervention programmes to improve the resilience and wellbeing of elderly individuals with disabilities facing climate-induced disasters. This study not only mapped the existing literature but also underscored the scarcity of research in the field of climate-induced disasters, with only six articles focusing on the elderly. The researchers recommend the development of more inclusive disaster risk reduction strategies and policies.

A Geographical Appraisal of Particularly Vulnerable Tribal Groups (PVTGs) of Jharkhand and their Susceptibility to Environmental Hazards

Since time immemorial, tribes and nature have evolved in symbiosis. Any disturbance in nature affects these communities immensely. Environmental risks have become increasingly common over the world, causing tremendous concern for society due to its high level of susceptibility. India, due to its unique climatic and socio-economic conditions, is vulnerable, to various disasters. Though, environmental hazards affect all, its impact is more severe on Particularly Vulnerable Tribal Groups (PVTGs). Measuring sensitivity to environmental threats is a huge challenge for disaster relief efforts worldwide. It is vital to measure the level of vulnerability in order to apply vulnerability reduction and mitigation actions effectively. The aim of the study is to analyze spatial distribution of PVTGs and their susceptibility to environmental hazards of Jharkhand. The study’s main finding revealed that two-third concentration of PVTGs are residing in the north-eastern part of the state. The largest concentration was found in Santhal Pargana and north-eastern part of the Jharkhand. Among all the tribes, Mal Pahariya constituted the largest group of vulnerable tribes followed by Sauria Paharia and Korwa. Birhor community was observed to be scattered in the region. Pakur district was known to have highest PVTG community. A district wise environmental susceptibility revealed that lightning, earthquakes, exposure to heat/stroke and cold had intimidated these tribes due to least socio-economic development. Lack of district wise data have inculcated the inconsistencies in the result. To mitigate the vulnerabilities of PVTGs, disaster risk reduction strategies must be tailored to their specific needs. The development of indigenous knowledge along with techno how can prove worth for community specific resilience towards environmental hazards.

Determination of Mountain Equivalent Rainstorm (MER) in Qinba Maintain Area Based on TRMM

The study of extreme precipitation is a significant aspect for investigating rainstorms, flash floods, and unpredictable disasters. Qinba mountain, Shaanxi province, China, is sensitive to extreme climate and rainstorm events. It is crucial to investigate the feature of precipitation extremes in this region with satellite data. According to this, the paper using the 1Day extreme precipitation datasets of TRMM and rain-gauge to calculate the mountain rainstorm, then the statistical metrics (CC, MBE, RMSE) was used in validation as the performance measure. The 1Day, 3Day, 5Day, and 7Day extreme precipitation was identified by the 95<sup>th</sup> percentile method. Thus to determine the Mountain Equivalent Rainstorm (MER). As the results, (1) Based on the comparison, the TRMM satellite product can capture the extreme precipitation mostly at the station below 433m (R<sup>2 </sup>>0.5) for 5Day datasets, while 7Day datasets reveal contrast patterns. (2) By applying the MER concept, the TRMM-based and gauge-based ratio revealed a similar pattern of mountain rainstorms at higher elevations and slightly different in the middle region. The mountain rainstorm amount was double the extreme rainfall at a higher elevation. Therefore, the defined extreme precipitation characteristics can assist the disaster risk reduction and mitigation strategy in the Qinba mountain of Shaanxi Province, China, and also provide a reference for improving the satellite algorithm in extreme precipitation measurement.

Exploring Gaps and Strategies: A Pilot Interview for Enhancing Disaster Risk Governance in Malaysia through Integrated Climate Change Adaptation for Resilience in the Future

Global climate change has led to a surge in climate-related disasters. Effectively managing these crises requires adopting disaster risk reduction strategies that account for climate change's profound impact. This article explores gaps in Malaysia's disaster risk reduction governance and climate change adaptation through literature review and preliminary interview. It highlights critical shortcomings which are outdated policies, challenges in multiple disciplinary collaboration and data sharing, and a lack of a robust strategic plan. While these findings are not exhaustive, they open the opportunity and emphasize the pressing need for further research. Future studies should focus on uncovering networks among actors, policies, and practices in Malaysia to develop a governance framework for a safer and more sustainable future amid evolving climate challenges. This requires thorough examination of the overlaps and distinctions in both fields, paving the way for a governance strategy aligned with the Paris Agreement, Sustainable Development Goals, and Sendai Framework.

Mapping the exposure of tourism to weather extremes: the need for a spatially-explicit gridded dataset for disaster risk reduction

Abstract Tourism is a highly important economic sector worldwide, yet it is often less than optimally represented in terms of detailed spatial information. An accurate spatial representation of tourism can provide valuable insights into the spatial distribution of tourism vulnerabilities and exposure, allowing policymakers to make informed decisions and develop effective strategies for disaster risk reduction and climate change adaptation policies. Here, we stress the need for and propose a first prototype of an open-access spatially-explicit gridded database based on social media data for over 150 different tourism-related classes that depicts tourism density (supply and demand) and perceived satisfaction in Europe. We showcase the potential benefits of such database by mapping the exposure of specific tourism sectors to a range of weather extremes, including floods, windstorms, and heat stress. Based on these results, we argue that a homogeneous spatially-explicit database of tourism is essential to support efficient investments in preparedness and disaster resilience.

Need Assessment for Coastal Tourism Area in the Face of Tsunami Risk: The Case of Pangandaran

As the fourth world's longest coastline, coastal tourism has become a significant component of Indonesia’s economy. Approximately 57% of this coastline is prone to the deadliest coastal hazard, i.e., tsunami. The progressive development of the tourism industry has created a massive increase in built infrastructure, hotels, roads, electrical and water distribution systems, and an increased number of people, including tourists and tourism workers, in rural coastal tourism areas. Due to the tsunami threat, rural coastal tourism regions' economic and social development faces enormous potential losses in lives and infrastructure and disruption of economic activity, especially for small and medium business enterprises. However, this coastal tourism industry has failed to engage in proper disaster risk reduction strategy and tourism business resilient building in most tourist destination regions in Indonesia. To address these complex problems, this study explores the adaptation of the concept of Business Continuity Plan of a single enterprise to upscale to an area or zone, i.e., the Area Business Continuity Planning, to enhance the holistic disaster-resilient tourism industry in Indonesia, with Pangandaran as the study location. As a newly formed regency, Pangadaran is an emerging super-destination tourism area designated by national and provincial governments. This region experienced a devastating tsunami in 2006, and even today, its coastal communities live under the threat of tsunamis that South Java Megathrust can generate. Based on an in-depth and holistic study, this study finds the Pangandaran coastal tourism resilience level, recognizing critical stakeholders and identifying the collaborative BCP strategies in Pangandaran.

The Impacts of Multiple Tropical Cyclone Events and Associated Precipitation on Household Income and Expenditures

Tropical cyclones (TCs) are one of the most destructive natural hazards. Damages arise from strong winds, compounded by associated flood-inducing hazards such as heavy rainfall and storm surge. Recent papers have shown that the modelled TC damage estimates fall short of the observed estimates due to the use of wind speed as a sole damage proxy. Damage estimates may be further confounded by inaccurate representations of vulnerability of people and economic sectors, for example, calling for adjusted damage thresholds in less developed regions. This paper evaluates the impacts of compounded TC hazards on household income and expenditure in the Philippines, with adjustments in vulnerability representation drawn from local information. Our results show that the omission of TC-associated precipitation leads to an underestimation of impacts, as well as the number of areas and economic sectors affected by TCs. We find that households cope through a reallocation of budgets and reliance on alternative income sources. Despite extensive public and private disaster risk reduction and management strategies, we still find significant losses in income and expenditures at any number of TC exposure.

Multi-hazard could exacerbate in coastal Bangladesh in the context of climate change

Floods and landslides have cascading effects on coastal areas of Bangladesh. This study aims to develop multi-hazard maps (e.g., floods and landslides) for the coastal region, by integrating a genetic algorithm optimizer with Long Short-Term Memory deep learning algorithm (GA-LSTM-DLA), global climate model, and geospatial data. It assesses vulnerabilities to multiple hazards and projects future risks considering the Australian Community Climate and Earth System Simulator Earth System Model 1.5 (ACCESS-ESM1-5) under three climate scenarios, i.e., Shared Socioeconomic Pathways1-2.6, 2–4.5, and 5–8.5 (SSP1-2.6, SSP2-4.5, and SSP5-8.5). The Receiver Operating Characteristic (ROC) curve is used to assess the performance of GA-LSTM-DLA model. According to important feature obtained by random forest (RF) algorithm, most important features for flash, riverine, tidal floods, and landslides are drainage density, rainfall, and geology, respectively. The baseline susceptibility maps for flash, riverine, tidal floods, and landslides are initially recorded as 0.11%, 7.99%, 3.46%, and 0.03%. Projections for the year 2100, under different SSPs, show significant increase, i.e., SSP1-2.6—flash 1.31%, riverine 23.74%, tidal 26.97%, landslides 2.05%; SSP2-4.5—flash 0.12%, riverine 30.97%, tidal 10.23%, landslides 0.18%; SSP5-8.5—flash 0.02%, riverine 17.42%, tidal 6.19%, landslides 0.14%. These projections highlight urgent need for mitigation and adaptation measures against hazards susceptibility, particularly under more extreme socioeconomic scenarios. Overall, the findings of this work are critical for policymakers to develop informed strategies for climate resilience, sustainable development, and disaster risk reduction in the coastal region of Bangladesh.

An investigation into risk governance processes to encourage behaviour change to reduce disaster risk: A case study of Barbados

Organizations involved in the reduction of risk, emanating from hazardous events, play an important role in influencing the responses of households to reduce disaster risk either by the enforcement of regulations or by encouraging the adoption of best practices. One way this can be done is by examining ways to enhance knowledge exchange, better understanding of household safety behaviours and improved perceptions of risk. Further, micro-level research approaches are needed to examine how organizations involved in risk reduction and households interact in order to understand the contributing factors that hamper effective decision making and actions to reduce disaster risk in small island developing states (SIDS) of the Caribbean.This study investigates how organization's disaster risk reduction (DRR) approaches have incorporated risk perception, safety behaviours, and knowledge into their internal DRR plans. This case study took place in Barbados, a SIDS in the Caribbean. Qualitative data were collected from semi-structured informant interviews (n = 33). Findings of the key stakeholder interviews revealed that most organizations lacked systematic approaches to engage households and lacked clear impact pathways in the theory of change and did not strategically target identified vulnerable population subgroups for the desired behavioural change. There was a noted gap in understanding how risk perception influences and shapes risk and safety behaviours at the household level. Based on the results of this research strategies employed to reduce risk and build resilience can include key ways to integrate how the use of safety culture, and risk perception can enhance knowledge exchange for the development and improvement of place-specific DRR strategies.

Unveiling the Recipe for Disaster Vulnerability: A Multidimensional Analysis in Dumaguete City, Philippines

Disaster vulnerability is not just a condition but a consequence of the interactions of natural and social factors. From this viewpoint, it is imperative to consider both natural and social factors when planning effective disaster risk reduction strategies. This study sought to determine factors that predict disaster vulnerability. Specifically, this research determined the associations between several socio-ecological dimensions (e.g., environmental, social, and economic profile), coping capacity, disaster preparedness, and disaster vulnerability of selected households in Dumaguete city. Using snowball sampling, a descriptive correlational design was used to collect data from self-report surveys of non-probable samples of 150 households from different disaster-prone barangays. Frequency count, weighted mean, and standard deviation were used to describe the data, and a multiple linear regression analysis was done to test the study's hypotheses. Findings show that the respondents manifested moderate levels of coping capacity and disaster preparedness while having high levels of disaster vulnerability. The study revealed that disaster preparedness and coping capacity were negatively correlated to disaster vulnerability. Aside from coping capacity and disaster preparedness, environmental, social, and economic profiles were also noted to predict disaster vulnerability significantly. Environmental profile was the most vital determinant of the participants’ perceived disaster vulnerability. To better prepare for disasters, it is suggested that city disaster risk reduction strategies focus on helping vulnerable barangays develop better adaptive capacities and manage environmental hazards. This could include providing training on essential hazard management and creating income-generating opportunities to offset the adverse effects of disasters.

Adaptive innovation and ethical dilemmas: a participatory action research study amongst cyclone-impacted households in Tamil Nadu, India

PurposeThis paper showcases how the PAR embedded in posthumanist perspectives enabled us to navigate several complexities in the field through methodological situatedness and pluralism. It also attempts to critically outline the drivers and barriers that shaped our capacities to engage with the PAR.Design/methodology/approachThe Tamil Nadu state in the Bay of Bengal along the southeast coast of India is one of the six regions in the world where severe tropical cyclones originate throughout the year. Storm surges in this region are well known for their destructive potential due to strong winds and heavy rainfall. This paper describes our participatory action research (PAR) journey towards strengthening grassroots action by providing access to safe and affordable housing for cyclone-impacted households (CIHs) in the Villupuram district of Tamil Nadu, India. The PAR was guided by an adaptive innovation model (AIM) that draws inspiration from posthumanism, action research and reflective practice traditions.FindingsThe insights from the PAR insist that we must recognise and work with diverse knowledge systems and situated practices to develop meaningful disaster risk reduction (DRR) and climate adaptation strategies. Our approach has to be rooted in the lived experiences of various vulnerable groups, their entanglements with nature and their everyday struggles of interacting with a complex social-ecological system.Originality/valueThis paper is an outcome of a PAR in a cyclone-impacted village in Tamil Nadu, India. The discussions and findings of the paper are original in nature and have not been published elsewhere.

Identifying children’s perception of interior space to the earthquake disaster: A case study of elementary school students in Jakarta

Earthquake disasters affected several physical damages and left traumatic experiences to sensitive groups, especially children. This kind of damage results in after-effect risks from the earthquake. Associated with this condition, the United Nation has published that the number of countries with disaster risk reduction strategies starting in 2015 should be increased. This research is aimed to identify children’s perceptions after the earthquake disaster through virtual settings. The framework used a literature review and a simulation of 3D virtual model testing on a group of elementary school students in Jakarta using a certain model type of room and aperture (window). Colour and window size are the main parameters for data showing the children’s preferences. Potential parameters are expected to be produced as guidance and recommendations on the post-disaster (earthquake-specific) in the future design decision. The parameters are aimed to help decision makers and designers to reach disaster risk reduction, in relation with SDGs on social aspect for the future sustainable development of resilient infrastructure, communities, and cities.

Flood risk evaluation of the coastal city by the EWM-TOPSIS and machine learning hybrid method

The frequent occurrence of floods and waterlogging has significantly impacted coastal cities. Effective mapping of flood risk can enhance the precision of disaster risk reduction strategies. However, there is room for improvement in fields such as flood inundation data, evaluation objectivity, and classification refinement. This study, using Xiamen as a case study, advanced flood inundation data accuracy by generating a frequency-based flood inundation map from multi-year remote sensing imagery. This study integrated the EWM-TOPSIS model with a neural network model to evaluate the flood risk. The EWM-TOPSIS model was employed to assess the flood vulnerability and flood exposure, while the multi-class neural network model to simulate the flood hazard. This combined approach reduced subjectivity in the flood risk assessment of Xiamen and achieved a finer level of risk classification compared to traditional binary neural networks. The results indicated that the flood vulnerable areas of Xiamen are concentrated along waterways distant from roads, with high flood exposure in Tong'an and Xiang'an districts. The flood-prone areas in Xiamen are primarily located along the coastal areas characterized by extensive impermeable surfaces. High flood risk areas are mainly distributed in Tong'an and Xiang'an subdistricts, particularly in Xiangping and Xindian. The method developed offers support for accurate flood risk identification and decision-making in cities with limited data resources.

Appraising competency gaps among UNESCO-designated heritage site actors in disaster risk reduction innovations

Communities residing in UNESCO-designated sites, characterised by outstanding universal values, face heightened vulnerability during disasters, necessitating innovative Disaster Risk Reduction (DRR) strategies. The critical role of well-equipped UNESCO site actors in DRR necessary for achieving the goals of broader international frameworks such as Agenda 2030 and the Sendai Framework for Disaster Risk Reduction (SFDRR) warrants this needs assessment study. This study uses a descriptive survey design to assess the competency gaps of UNESCO site actors, including managers and staff, for effective utilisation of DRR innovations (DRRI). Employing the Borich Needs Assessment Model and Ranked Discrepancy Model, an online questionnaire garnered 141 responses from 59 countries. Descriptive statistics, significance tests (at p < .05), correlation tests, Mean Weighted Discrepancy Scores, and Ranked Discrepancy Scores yielded noteworthy findings. Despite recognising the importance of DRRI, respondents demonstrated competence lags, emphasizing the need for tailored training programs. Competency gaps were identified across all 14 listed DRRI, with top priorities including disaster prevention radio, telemetry systems, unmanned aerial vehicles, GIS, remote sensing, resilient materials, and disaster risk insurance. Enhancing competencies in DRRI presents a strategic approach to bolstering disaster preparedness, management, and risk reduction efforts, aligning with global conservation and sustainability goals.

A new regionally consistent exposure database for Central Asia: population and residential buildings

Abstract. Central Asia is highly exposed to a broad range of hazardous phenomena including earthquakes, floods and landslides, which have cause substantial damage in the past. However, disaster risk reduction strategies are still under development in the area. We provide a regional-scale exposure database for population and residential buildings based on existing information from previous exposure development efforts at the regional and national scale. Such datasets are complemented with country-based data (e.g., building census, national statistics) collected by national representatives in each Central Asian country (Kazakhstan, the Kyrgyz Republic, Tajikistan, Turkmenistan, Uzbekistan). We also develop population and residential-building exposure layers for the year 2080, which support the definition of disaster risk reduction strategies in the region.

Geomorphology mapping and landslide susceptibility for disaster risk reduction and sustainability environment in the Sub DAS Maspo, Mt. Welirang, East Java, Indonesia

Landslides are still problematic for areas with rough surface shapes and high rainfall. Landslides are still causing human life losses, so mitigation efforts for disaster risk reduction must be prioritized. The purpose of this study is geomorphological mapping and landslide hazard mapping as a basis for disaster risk reduction efforts. The method used integrates remote sensing data using geographic information systems. Geomorphology mapping is processed and analyzed using four geomorphological approaches, while for landslide susceptibility maps are analyzed using the Weight of Evidence (WoE) method using existing landslide variables and 17 landslide control factors. The geomorphological mapping results show that in the Maspo sub-watershed, there are 25 landform units based on geomorphological mapping. There are five classes of landslide vulnerability indices, i.e very low index (0.001-0.341) namely 9.38%; low index (0.341-0.471) that is 26.18%; moderate index (0.471-0.584) that is 28.49%; high index (0.584-0.741) that is 23.94% and very high index (0.714-1) that is 12.02%. The accuracy of the landslide hazard map results is 88%, indicating that the landslide hazard map has good accuracy. Dominant landslides of 26.98% and 23.59% occurred in the HS2V1/ME landform, which is the middle slope of the steep hills of the lava eruption of the 2nd Mt. Welirang with moderate geomorphic processes and HS2V1/VSE which is the middle slope of the steep hills of the 2nd eruption of Welirang volcano with the process strong geomorphism. The results of geomorphology mapping and landslide susceptibility can be used as an information base for disaster risk reduction strategies and sustainable environmental management.

Climate Change-Related Disaster Risk Mitigation through Innovative Insurance Mechanism: A System Dynamics Model Application for a Case Study in Latvia

This study explores how the System Dynamics modeling approach can help deal with the problem of conventional insurance mechanisms by studying the feedback loops governing complex systems connected to the disaster insurance mechanism. Instead of addressing the disaster’s underlying risk, the traditional disaster insurance strategy largely focuses on providing financial security for asset recovery after a disaster. This constraint becomes especially concerning as the threat of climate-related disasters grows since it may result in rising long-term damage expenditures. A new insurance mechanism is suggested as a solution to this problem to lower damage costs while safeguarding insured assets and luring new assets to be protected. A local case study utilizing a System Dynamics stock and flow model is created and validated by examining the model’s structure, sensitivity analysis, and extreme value test. The results of the case study performed on a city in Latvia highlight the significance of effective disaster risk reduction strategies applied within the innovative insurance mechanism in lowering overall disaster costs. The logical coherence seen throughout the analysis of simulated scenario results strengthens the established model’s plausibility. The case study’s findings support the innovative insurance mechanism’s dynamic hypothesis and show the main influencing factors on the dynamics within the proposed innovative insurance mechanism. The information this study can help insurance firms, policy planners, and disaster risk managers make decisions that will benefit local communities and other stakeholders regarding climate-related disaster risk mitigation.