Governing adaptation to natural hazards in land-use planning
Governing adaptation to natural hazards in land-use planning
Governing adaptation to natural hazards in land-use planning
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How are the losses compensated?<br />
Country Arrangement Risk vs premium<br />
Denmark<br />
F<strong>in</strong><strong>land</strong><br />
Norway<br />
Sweden<br />
Compulsory private <strong>in</strong>surance (connected <strong>to</strong> fire<br />
<strong>in</strong>surance). Ultimate state guarantee<br />
Private optional system. Compensation for<br />
<strong>natural</strong> hazard damages are offset annually on<br />
governmental budgets. Also a case-<strong>to</strong>-case<br />
evaluation<br />
Compulsory private <strong>in</strong>surance (connected <strong>to</strong> fire<br />
<strong>in</strong>surance). Assets outside the private <strong>in</strong>surance<br />
doma<strong>in</strong> guaranteed by a state fund<br />
Private bundled system. No state guarantee, but<br />
compensations are given on an ad-hoc basis<br />
Independent<br />
Private is<br />
dependent. Public is<br />
<strong>in</strong>dpendent<br />
Independent<br />
Independent<br />
…the citizens may expect <strong>to</strong> be partly or fully compensated
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