Natural Disasters Research Articles

Typhoon Early Warning and Monitoring Based on the Comprehensive Characteristics of Oceanic and Ionospheric Echoes from HFSWR: The Case of Typhoon Muifa

As devastating natural disasters, typhoons pose a tremendous threat to human society, making effective typhoon early warning and monitoring crucial. To address this challenge, High Frequency Surface Wave Radar (HFSWR), which can observe oceanic parameters such as typhoon wind fields in real time and even capture the dynamic changes in the ionosphere, has become an effective tool for typhoon monitoring. This paper investigates the interaction mechanisms about Typhoon-Acoustic Gravity Waves (AGWs)-Ionosphere, as well as Typhoon-Ocean Waves for HFSWR, and simulates these interaction processes within HFSWR. Then a typhoon early warning and monitoring scheme for HFSWR has been proposed: In the first stage, the S-shaped ionospheric disturbances observed by HFSWR are utilized as precursor signals for early typhoon warnings. In addition, the second stage involves analyzing changes in first-order oceanic echo spectral peak ratio to pinpoint when the typhoon eye enters the radar detection range, thus initiating the typhoon monitoring phase. Subsequently, the measured data from HFSWR collected during Typhoon “Muifa” (2212) in conjunction with the proposed scheme are evaluated in detail. The results indicate that AGWs generated by typhoons can propagate into non-typhoon areas within the detection range, causing S- shaped ionospheric disturbances and providing approximately 6 h of early warning. At around 8:05 (UTC+8), an increasing trend in the first-order spectral peak ratio was noted, indicating the entry of the typhoon eye into the detection range, which closely aligns with the official typhoon path and marks the transition to the monitoring phase. The proposed scheme is expected to enhance the capability for typhoon early warning and real-time monitoring in specific sea areas and mitigate the risks associated with typhoon-related disasters.

Assessing Different Two-Stage Stochastic Models for Optimizing Food Bank Networks’ Operations During Natural Disasters

Humanitarian logistics face significant challenges during natural disasters due to operational uncertainties. Humanitarian logistics networks such as food banks must manage both regular operations and disaster-induced supply and demand. The study aims to develop and assess two-stage stochastic models that support decision-making under these dual operations. We evaluate various decisional strategies through extensive numerical experiments inspired in the operation of the food bank network Bancos de Alimentos de México (BAMX), highlighting the importance of suitable timeframes for reactive and anticipative decisions. The findings offer valuable insights for managers in balancing routine and emergency responses efficiently.

Sustainability-national and international initiatives in intensive care and emergency medicine

Climate change with global warming, natural disasters, species extinction and soil erosion is doubly relevant for medicine: On the one hand, heat waves, floods and other natural disasters lead to new disease patterns to which healthcare systems must adapt. On the other hand, the global healthcare system itself contributes to these effects, as it is estimated that the CO2 footprint of all healthcare facilities accounts for around 5% of global greenhouse gas emissions. National and international initiatives to promote sustainability concepts in intensive care and emergency medicine. Research on homepages of national and international (specialist) societies dealing with intensive and emergency care medicine and corresponding PubMed search (sustainability and climate change and emergency or intensive care medicine). Six of the 12national specialist societies surveyed have taken initiatives on sustainability, notable among them the initiative of Arbeitsgemeinschaft der Wissenschaftlichen Medizinischen Fachgesellschaften (AWMF) for anew registration of the S1guideline "Sustainability in intensive care and emergency medicine". On the international scene, the activities of the Australian and New Zealand Intensive Care Society (ANZICS) with numerous publications on the topic of sustainability in intensive care medicine and the practical guide "Abeginners guide to sustainability in intensive care medicine" as well as the European Society of Anaesthesiology and Intensive Care (ESAIC) with aconsensus paper on sustainability should be highlighted. At the national level, initiatives on sustainability (guidelines, working groups, forums) are emerging and are attracting increasing attention and activity. The umbrella organization of German Intensive Care Medicine, the Deutsche Interdisziplinäre Vereinigung für Intensiv- und Notfallmedizin (DIVI), has so far shown no (discernible) activity; there is an urgent need for action here, and health policy and the German Medical Association should also become (even) more involved in reducing the CO2 footprint in the healthcare sector. Internationally, there are anumber of societies and institutions that are promoting the topic of "sustainability", although astronger focus on the area of intensive care and emergency medicine would also be desirable here.

Comparative Analysis of Electric and Conventional Vehicles Performance in the Evacuation Process of Mount Semeru Eruption Victims Based on Geographic Information Systems

The Lumajang Regency is highly vulnerable to various natural disasters, particularly the potential eruption of Mount Semeru. In disaster response efforts, the local government needs to prepare effective and efficient evacuation routes, taking into account the magnitude of the eruption impact in the Semeru disaster-prone area. This research focuses on evacuating vulnerable residents using electric and conventional vehicles. This study is categorized as a vehicle routing problem with energy constraint (VRPEC) because the electric vehicles utilized in this research do not require recharging during their operational process, ensuring rapid evacuation as it is essential. By utilizing Geographic Information Systems (GIS)-based optimization, the best route to evacuate all victims within 12 h is determined. This study involves developing scenarios considering the number of vehicles and their travel distances. There are also evacuation guidelines, including the implementation of priority points and evacuation zone usage. The research results indicate that scenarios EV 5, 8, and 10 are the most optimal for using electric vehicles. Meanwhile, the optimal scenario for conventional vehicles is scenario 5. This analysis shows that implementing electric vehicle scenarios is superior to conventional vehicle scenarios in terms of the total time required to evacuate all victims.

Perceptions towards practicability of humanitarian principles for emergency cases in Ethiopia: case of Tikur Anbessa Specialized Hospital

IntroductionThe health of people is negatively impacted by emergencies and catastrophes, and many lives are lost as a result. The guidelines for humanitarian action during times of crisis, whether brought on by armed war or natural disasters, are provided by the humanitarian principles. The purpose of this study was to evaluate how the staff and clients at Tikur Anbessa Specialized Hospital felt about the applicability of the four humanitarian principles when responding to emergency conditions.MethodologyFacility-based descriptive and explanatory cross-sectional study designs were employed. The study intended to collect data with structured questionnaires from a total of 209 individuals in Tikur Anbessa Specialized Hospital. The participants were selected randomly based on, their willingness. Of the 209 participants, 105 included staff and the rest 104 included clients (patients and caregivers in the emergency room) of Tikur Anbessa Specialized Hospital. The collected data were analyzed using Statistical Package for Social Science version 23.ResultsThe descriptive analysis shows that principles of humanity are practiced better with (mean = 3.5) and principles of impartiality are practiced less with (mean = 3.2) as to the perception of the participants. Correlational analysis was used to examine the relationship between the ages, profession, gender, status, work experience, and familiarity with humanitarian principles, and the results indicated a non-significant correlation between variables, r (209) = 0.01 (2 tailored), “p = ns”. This suggests that familiarity with humanitarian principles or other independent variables does not affect the applicability of humanitarian principles in healthcare settings.ConclusionFrom the results of this study, it can be concluded that the state of being a staff (health care practitioners and those providing ancillary services) and client of Tikur Anbessa Specialized Teaching Hospital has nothing to do with developing a certain perception towards the practicability of the four humanitarian principles (humanity, impartiality, neutrality, and independence).

Exploring the nexus between post-traumatic stress disorder and patriarchy: a gender-based variation

Respected Editor, Post-traumatic stress disorder (PTSD) is a psychological disorder resulting from witnessing or experiencing trauma, aggravated by repeated exposure to stress and anxiety. We aim to highlight the underrepresentation of PTSD in a third-world country, its gender-specific variations, and its disproportionate prevalence in women in a male-dominated society. According to recent studies, gender-based differences in PTSD are reported as 2:1, favouring women. Statistics reveal that men face more traumatic incidents, ranging from violence, bloodshed, and natural disasters.1. Yet women are more susceptible to PTSD because men, encountering such occurrences regularly, perceive it as a norm and find it easier to cope with it than their female counterparts, who happen to have a more significant post-trauma recovery time, which may be a result of fluctuating gonadal hormone levels in young females, as hypothesized by recent studies.2 Furthermore, Pimlott-Kubiak’s theory of trauma and PTSD (2003) suggests that patriarchy exacerbates mental health disorders in women as a vast majority of victims of abuse happen to have their spouses as assailants, categorizing as intimate partner violence.3 Being considered a taboo, women who have experienced assault are silenced due to stigmatization. They become a target of victim shaming and are discouraged from discussing the matter. With no therapy, self-blame ensues, along with a wide spectrum of symptoms of PTSD, like borderline personality disorder, flashbacks, eating disorders, disassociation, and depression, forcing the ‘labelled’ women to sever all positive connections and distance themselves from their loved ones due to fear of being judged.4 Complex Chronic PTSD may result from witnessing or experiencing assault since childhood in an abusive household from an aggressive male, which can trigger mental health issues when dealing with life's challenges as adults.5 Failing to find any discussion on this topic in medical research databases including PubMed and PakMediNet, solidifies our point that lack of awareness and research about the adverse effects of patriarchy on the mental health of women living in a developing country leads to a society where negligence prevails, fueling a vicious cycle of psychological disorders, passed on from generation to generation. Being a disorder that haunts victims for life, PTSD should be tackled with awareness, therapies, and emotional support to ensure a healthy life for all women. More research should be conducted to highlight this issue so that people can talk about such concerns more comfortably and the harm caused by PTSD in Pakistani society can be minimized.

Towards designing a comprehensive composite index for social vulnerability to natural hazards in the big data era: potential challenges and partial solutions

AbstractThis study provides a practical definition and framework to measure social vulnerability to natural hazards, addressing gaps in the literature after three decades of Susan Cutter's Place-Based Model. The current social vulnerability index, designed based on available data such as census data, is limited in capturing all aspects of social vulnerability and spatial inequalities. This research explored and proposed a new theoretical perspective and methodological framework for designing a comprehensive index for social vulnerability to natural disasters using emerging big data, which is practical and feasible and can be applied to social vulnerability studies in general and social vulnerability to natural hazards in particular. This research first defines constructs of social vulnerability to natural hazards, including (1) socioeconomic status or conditions, (2) physical infrastructure or accessibility to facilities and services, (3) ecological-environmental conditions, (4) access to security facilities and crime rate, (5) technological inequalities, (6) health conditions of the citizens, and (7) susceptibility. Then, it proposes potential solutions for developing a comprehensive composite index under ideal conditions without (big) data limitations, using the US and the UK as case examples. These solutions are not just theoretical but also practical and feasible, instilling confidence in their implementation. This research offers valuable insights for researchers and policymakers in diverse sectors, supporting the design of effective disaster risk reduction strategies and intervention programs.

Pedagogical support of preparation of cadets of higher educational institutions of the Ministry of the Russian Federation for Civil Defence, Emergencies and Elimination of Consequences of Natural Disastersto activity in extreme situations

The article is devoted to the study of pedagogical support for training cadets of higher education institutions of the Ministry of the Russian Federation for Civil Defence using inductive and deductive methods, Emergencies and Elimination of Consequences of Natural Disasters for activities in extreme situations, the main concepts of training cadets for work in extreme conditions, as well as the tasks facing the teaching staff are considered. The conceptual apparatus of pedagogical support for training cadets for activities in extreme situations is considered. Based on the analysis of scientific works on this topic, a number of aspects and trailers are identified that represent the basis for effective training of cadets to solve professional problems. Particular attention is paid to the formation of necessary skills, stress resistance, decision-making in dangerous conditions and the development of significant qualities.

Discourses of Poverty: The Narratives of the Poor in Samar

The study aimed at exploring, through the view of the future for themselves and their children, the perceptions of the poor about the temporal dimensions of poverty. The study adopted a discursive perspective, to illustrate the hopes, dreams and expectations of the poor regarding their future and, ultimately, how they view their status and how the LGU officials would address the different faces and current status of poverty in their respective locality. The researchers used Critical Discourse Analysis (CDA). The following are the themes obtained from the responses of the participants: limited knowledge and lower health status, lack of ambition and motivation to improve the situation, inadequate basic needs like food due to large family size, and poverty are transmitted to the next generation. Eradicating poverty is a challenge that sees no means of receding. LGUs do whatever they can to improve people’s lives. Despite those programs and initiatives of the local government units, there are still municipalities in Samar that are experiencing poverty. The poorest of the poor in Samar suffer from a lack of jobs in rural areas, low motivation to pursue education, and limited resources for large families. This has led to a widening gap between the haves and have-nots. Add to that frequent natural disasters being experienced in Samar at least fifteen typhoons in a year which takes away what little the poor have. The fundamental solution for reducing poverty is to tackle poverty and to pursue equity in income, and education, provide more livelihood programs or interventions, and social participation. Community projects that focus on the restoration and development of social networks and social cohesion and the improvement of the social, communication, and coping skills of the deprived, should be encouraged.

Psychologıcal Effects of Earthquakes and Study of Earthquake Awareness Through Manısa Celal Bayar Unıversıty Students

This article aims to discuss the serious psychological problems such as insecurity, anxiety, fear, and trauma that arise in individuals due to the sudden and inevitable nature of earthquakes. Earthquakes stand out as a prominent threat among natural disasters, affecting not only the physical environment but also the human psyche extensively. The impact of earthquakes goes beyond material losses, deeply affecting emotional well-being. The insecurity triggered by earthquakes influences individuals' life standards and creates a sense of uncertainty about the future. These sudden events create an atmosphere of anxiety and fear, disrupting the emotional balance of individuals. Moreover, trauma occurring during and after earthquakes can lead to long-term psychological issues for individuals. Particularly, earthquakes can result not only in material losses but also in loss of life, initiating the mourning process and further triggering depression and grief. Focusing on the general effects of earthquakes, this study delves into how earthquakes impact individuals' mental health beyond physical damage. In this context, the study will first review the literature on the subject and create a conceptual framework by investigating the economic, social and psychological effects of earthquakes on society. Then, a field research will be conducted using face-to-face interview technique. For this qualitative research, semi-structured interview questions will be prepared and data will be collected by interviewing students studying at Manisa Celal Bayar University who have experienced or not experienced earthquakes, and some inferences will be made by interpreting the data obtained. With the findings of the research, it is thought to reveal students' coping mechanisms with psychological stress caused by earthquakes and the differences in this process. In addition, how earthquake awareness varies among students and suggestions for strengthening this awareness will be presented.

The Role of Agricultural Technology in Attaining Food Security among Small Farmers in Char Area in Mymensingh District

Farmers in the char areas of Bangladesh are frequently affected by food insecurity due to their low engagement in modern agriculture such as less use of modern agricultural technology. This study evaluates the socio-demographic characteristics of the sample farmers to assess their nutritional status and the factors influencing char dwellers' dietary diversity. Survey data were collected from 70 households, and focus group discussions were conducted using a semi-structured questionnaire from Nilokhiya char under the Mymensingh District of Bangladesh. An OLS regression model was used to estimate the influence of socioeconomic characteristics of sample households on the decision on factors influencing dietary diversity. The farming type of the farmers is another concern of this study where results show that 90% of farmers in the char areas rely on rice and vegetable farming, whereas more than 60% of the farmers are also involved in livestock and poultry farming at the same time. The nutritional status of char farmers shows that their diet includes a variety of foods but is deficient insufficient protein and healthy fats, which could have an impact on their overall nutrition. Cereals are a staple in the diet, as indicated by the high consumption rate (97.1%) and the substantial average intake (2.30 kg/day). Every household consumes fruits, though in smaller quantities (0.28 kg/day). Eggs are less frequently consumed (57.1%) despite a higher intake (2.64 kg/day). Dietary diversity has a strong positive correlation with supply (.913) at a 1 % significant level which means that efficient supply chains minimize delays, reduce spoilage, and ensure a continuous flow of food to markets to ensure food security. A positive correlation with total income (.373) leads to a higher total income also supports greater dietary diversity. Credit was significant at a 5% level (.267) indicating that a 1 % increase in credit leads to an increase in dietary diversity by 267%. On the contrary, Experience has a negative relationship with dietary diversity which means that experience does not influence food security. Lack of transport and communication, environmental hazards, and natural disasters are the most significant problems faced by the farmers in the char area.

Exploring Indigenous Ways of Childbirth Management and its Perinatal Outcomes During Cyclonic Periods in Hilly Tribal Homebirth Settings: A Qualitative Observational Study

Objective This study explores the cultural-based management of childbirth vulnerabilities in the hilly regions during cyclone periods, where the land mass has been frequently exposed to floods during and aftermath of cyclones due to low-high cyclonic depressions in the Bay of Bengal coast. Methods The present study was a community-based qualitative observational study conducted for three weeks immediately after the two cyclonic periods occurred between October and December 2022. With the purposive sampling method, 21 postpartum mothers were selected on the inclusion criteria, of having had childbirth around the cyclonic period of ‘Sitrang’ (late October 2022) and ‘Mandous’ (early December 2022). Semi-structured in-depth interview schedules were employed to document socio-demographic profiles and probed for their cultural ways of managing childbirth complications and neonatal exposures to infections during the cyclonic period. Results Views of 21 mothers were coded into three themes with two sub-themes each according to repeated frequencies of information. The themes were (a) Striving for Safe Childbirths; (b) Surviving with Traditional Capacities; (c) Strength and Sustenance. The results indicated that home deliveries were considered safest over institutional deliveries except in the cases of complicated childbirths confirmed difficult by the traditional birth attendants (TBA). Rough climatic conditions compounded by geographical distance, lack of appropriate financial help and timely transportation facilities were the major prevailing factors influencing their childbirth practices during the cyclonic periods. Conclusion Disasters do not alone influence childbirth outcomes, but the evidence is still mixed. The expediency of birth technology has effectively managed childbirth vulnerabilities. Ensured sleep, rest and enough food had also been disturbed during and aftermath cyclones. The results showed an urgent need for focused planning on tribal areas for gestation, birthing and postpartum people during natural disasters.

The Effects of Climate Change on Kenya’s Economic Growth

Changes in the climate and natural disasters have hampered Kenya's growth in economy, as seen by periodic droughts, floods, and shifts in rainfall and temperature patterns. The research investigated the effects of climatic change on Kenya's GDP growth. Modeling was done using Autoregressive Distributed Lag (ARDL) model estimation technique while analyzing data from 1990 to 2023. Climate change was represented by annual rainfall fluctuations, carbon emissions, and forest depletion, with inflation, exchange rates, and government spending serving as the controlling factors. The regression results indicated that at 5% level of significance short run carbon emissions affect growth negatively but the long run results indicated a positive effect. Forest depletion positively impacts growth in the long run period. Government expenditure, changes in the exchange rate and economic growth had an inverse relationship. Inflation did not have potential long term impact on GDP. This study recommended that the government to balance economic growth with environmental sustainability by promoting cleaner technologies and renewable energy projects. Investments advanced irrigation and drought resistant crops are crucial. Sustainable forest management should involve controlled logging and reforestation to ensure long term health. Reducing exchange rate volatility through foreign reserves and diversified exports will stabilize the economy. Enhancing government expenditure efficiency by focusing on high return investments and minimizing waste will boost GDP stability.

The role of flood disaster information literacy in community preparedness in Tempe district Wajo regency South Sulawesi province Indonesia

The coast of Lake Tempe is one of the areas in Indonesia which is inhabited by approximately 500 people. Every year, the water of Tempe Lake rises and overflows, a form of vigilance for the surrounding community. This study aims to determine the Tempe community's level of information literacy towards floods and the role of disaster information literacy in community preparedness for floods. The method used in this research is descriptive qualitative. The results of this study indicate that disaster literacy is obtained through activities carried out by the government and mitigation carried out by the government, which can also be interpreted as taming natural disasters. In principle, Mitigation is physical and non-physical efforts in dealing with natural disasters. However, the people around Lake Tempe are not afraid and anxious about flooding and overflowing in Lake Tempe. It can be seen that the flood was not a disaster for the people in Lake Tempe. The role of disaster information literacy can be seen in the community's readiness to welcome floods by providing iron, wooden planks, and bamboo to increase the height and strengthen the community's houses while in the Tempe sub-district. Socialization and education about disaster literacy is an effort that needs to be made by the government to continue to change the mindset of the people of Wajo Regency, who think that flooding is not a disaster.

Effective Acoustic Model-Based Beamforming Training for Static and Dynamic Hri Applications.

Human-robot collaboration will play an important role in the fourth industrial revolution in applications related to hostile environments, mining, industry, forestry, education, natural disaster and defense. Effective collaboration requires robots to understand human intentions and tasks, which involves advanced user profiling. Voice-based communication, rich in complex information, is key to this. Beamforming, a technology that enhances speech signals, can help robots extract semantic, emotional, or health-related information from speech. This paper describes the implementation of a system that provides substantially improved signal-to-noise ratio (SNR) and speech recognition accuracy to a moving robotic platform for use in human-robot interaction (HRI) applications in static and dynamic contexts. This study focuses on training deep learning-based beamformers using acoustic model-based multi-style training with measured room impulse responses (RIRs). The results show that this approach outperforms training with simulated RIRs or matched measured RIRs, especially in dynamic conditions involving robot motion. The findings suggest that training with a broad range of measured RIRs is sufficient for effective HRI in various environments, making additional data recording or augmentation unnecessary. This research demonstrates that deep learning-based beamforming can significantly improve HRI performance, particularly in challenging acoustic environments, surpassing traditional beamforming methods.

Economic Benefits and Uses of Indigenous Seasonal Weather Forecasts in Zimbabwe

This study presents a seminal contribution regarding the economic value of indigenous seasonal weather forecasts in Zimbabwe. Many farmers (58%) use indigenous seasonal weather forecasts to make maize farming decisions such as selecting suitable varieties. The main indicators used for indigenous seasonal weather forecasts are flowering and fruition of specific trees. Based on travel cost analysis, which incorporates a multi-purpose visit scenario, the study establishes the economic importance of indigenous seasonal weather forecasts with a consumer surplus of US$1,044 per year among the 290 farmers using the forecasts. There is therefore a need to integrate indigenous weather forecasts into national seasonal weather forecasting and disaster risk reduction systems to complement modern seasonal weather forecasts. Co-production of seasonal weather forecasts with farmers is proposed in this regard. This further calls for the need to digitally document, visualize, and disseminate indigenous seasonal weather forecast indicators to a wider audience to increase their use.

Research on Natural Disaster Risk Assessment and Real Estate Site Selection Strategies Based on EWM-RSR Algorithm and Arcgis

Research on Natural Disaster Risk Assessment and Real Estate Site Selection Strategies Based on EWM-RSR Algorithm and Arcgis

Research on Underwriting Decision-Making of Insurance Companies in Areas with Frequent Extreme Weather Based on Comprehensive Evaluation Method

The purpose of this research is to develop an insurance company underwriting model by pre-processing and model construction of collected data in order to assess whether to underwrite insurance in extreme weather-prone areas and to analyse the factors that influence underwriting decisions. In this paper, data such as insurance company payout rate, number of insured, homeowners' income in selected areas, health insurance coverage, year of construction of historical landmarks, GDP per capita, and tourism income were processed, and minimum-maximum normalisation and zero-mean normalisation were used to eliminate differences in feature magnitude. In the model construction, the logistic regression model and BP neural network were used to derive the underwriting probability, and the three main factors of natural disaster risk assessment, payout rate, and homeowner influence were introduced, and the relationship between these factors and the underwriting probability was described by the logistic distribution function, which determined that the underwriting probability should be underwritten when the underwriting probability Pi≥0.5. The natural disaster risk assessment model selects disaster factors, disaster environment and disaster receptors as assessment indicators, constructs the CEDP model, and calculates the weights using the AHP model, the Topsis model and the CPITIC weighting method, and carries out fuzzy clustering analysis on the CEDP index of 25 regions to classify the risk into five levels. For insurer profits, solvency, premium income and claims ratios were analysed, ratios based on annual claims to total premiums were calculated, and the impact of homeowners' incomes, property and historic buildings on underwriting decisions was assessed. Insurance company underwriting decision factors in areas prone to extreme weather are ultimately determined.

Evaluation of Potential Flood Areas in the Basin of Lake Ladik through AHP and GIS Integration, (Samsun, Türkiye)

Floods are a problem of many countries on a global scale. In Türkiye, especially in the summer months, large floods occur in the Black Sea Region coastal belt. The number and the destructive power of experienced floods are increasing day by day. It is not possible to prevent the occurrence of floods. But it is possible to take the necessary measures to prevent it from turning into a disaster. Recently, susceptibility analyses have been carried out for floods and similar natural disasters and the results help decision-makers. Within the scope of this study, flood susceptibility analysis was carried out by using multiple geographical factors together in the Basin of Lake Ladik of Samsun Province in the Black Sea Region. In the study, Analytical Hierarchy Process (AHP), Geographic Information Systems (GIS) and Remote Sensing (RS) techniques were used, which are multi-criteria decision-making methods. In this context, flood susceptibility analysis of the basin was carried out by using nine (9) different geographical factors (slope, aspect, lithology, soil, basin size, land use, landforms, precipitation, and drainage density). As a result of the study, for floods, there were identified four (4) different levels as low, medium, high, and very high; and 36.77% of the basin was found to be low, 30.03% was medium, 11.43% was high and 21.77% was found to be sensitive to possible floods at a very high level. The results of the study are also important for decision-makers to make flood risk planning.

Exploration of Property Insurance Benefits in Extreme Weather

In recent years, the increasing frequency of extreme weather events has highlighted the insurance industry's dilemma - the profitability of insurance companies and the capacity of policyholders to bear the burden are in crisis. Therefore, seeking the development of property insurance in this environment is crucial. This paper establishes a Risk Assessment Model with a four-level index system, including four main indicators: natural, economic, social, and engineering defense, to assess the disaster risk and losses of a specific area. Subsequently, a Rate-Adjusted Break-Even Analysis Model is established and coupled with the Risk Assessment Model to facilitate practical insurance decision-making. By establishing this highly flexible and practical assessment system, precise indicators can be selected for evaluation based on the varying impacts of natural disasters in different regions. This will enable more accurate decision-making for local catastrophic insurance coverage. Consequently, it allows local residents to obtain better post-disaster relief protection against natural calamities, while businesses can also benefit from substantial reconstruction returns.