Pluvial flood impacts and policyholder responses throughout the United States
Abstract Pluvial floods pose a significant threat to properties, yet comprehensive impact analysis is hindered by data limitations on pluvial inundation. To assess pluvial flood impacts, we leveraged U.S. flood insurance claims and policy records for a subset of properties outside 100-year floodplai...
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| Format: | Article |
| Language: | English |
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Nature Portfolio
2025-01-01
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| Series: | npj Natural Hazards |
| Online Access: | https://doi.org/10.1038/s44304-025-00058-7 |
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| author | Benjamin Nelson-Mercer Taeho Kim Vinh Ngoc Tran Valeriy Ivanov |
| author_facet | Benjamin Nelson-Mercer Taeho Kim Vinh Ngoc Tran Valeriy Ivanov |
| author_sort | Benjamin Nelson-Mercer |
| collection | DOAJ |
| description | Abstract Pluvial floods pose a significant threat to properties, yet comprehensive impact analysis is hindered by data limitations on pluvial inundation. To assess pluvial flood impacts, we leveraged U.S. flood insurance claims and policy records for a subset of properties outside 100-year floodplains, streamflow records, and nationwide precipitation data, enabling us to distinguish damage claims caused by pluvial floods over 1978–2021. Strikingly, 87.1% of the claims analyzed from this subset were due to pluvial floods. Utilizing these pluvial flood claims unveiled distinct regional patterns of pluvial impacts across the contiguous U.S. These patterns are informed by the relationship between claim frequency and precipitation within each region. Remarkably, despite the pervasiveness of impacts, many states are seeing declining uptake in pluvial flood insurance coverage. Our study highlights regions facing heightened pluvial flood risks and underscores the critical need for enhanced consideration of pluvial inundation within risk management frameworks. |
| format | Article |
| id | doaj-art-d9ebf3351ea147809027509acd8b9442 |
| institution | Kabale University |
| issn | 2948-2100 |
| language | English |
| publishDate | 2025-01-01 |
| publisher | Nature Portfolio |
| record_format | Article |
| series | npj Natural Hazards |
| spelling | doaj-art-d9ebf3351ea147809027509acd8b94422025-01-26T12:15:48ZengNature Portfolionpj Natural Hazards2948-21002025-01-012111010.1038/s44304-025-00058-7Pluvial flood impacts and policyholder responses throughout the United StatesBenjamin Nelson-Mercer0Taeho Kim1Vinh Ngoc Tran2Valeriy Ivanov3Department of Civil and Environmental Engineering, University of MichiganDepartment of Civil and Environmental Engineering, University of MichiganDepartment of Civil and Environmental Engineering, University of MichiganDepartment of Civil and Environmental Engineering, University of MichiganAbstract Pluvial floods pose a significant threat to properties, yet comprehensive impact analysis is hindered by data limitations on pluvial inundation. To assess pluvial flood impacts, we leveraged U.S. flood insurance claims and policy records for a subset of properties outside 100-year floodplains, streamflow records, and nationwide precipitation data, enabling us to distinguish damage claims caused by pluvial floods over 1978–2021. Strikingly, 87.1% of the claims analyzed from this subset were due to pluvial floods. Utilizing these pluvial flood claims unveiled distinct regional patterns of pluvial impacts across the contiguous U.S. These patterns are informed by the relationship between claim frequency and precipitation within each region. Remarkably, despite the pervasiveness of impacts, many states are seeing declining uptake in pluvial flood insurance coverage. Our study highlights regions facing heightened pluvial flood risks and underscores the critical need for enhanced consideration of pluvial inundation within risk management frameworks.https://doi.org/10.1038/s44304-025-00058-7 |
| spellingShingle | Benjamin Nelson-Mercer Taeho Kim Vinh Ngoc Tran Valeriy Ivanov Pluvial flood impacts and policyholder responses throughout the United States npj Natural Hazards |
| title | Pluvial flood impacts and policyholder responses throughout the United States |
| title_full | Pluvial flood impacts and policyholder responses throughout the United States |
| title_fullStr | Pluvial flood impacts and policyholder responses throughout the United States |
| title_full_unstemmed | Pluvial flood impacts and policyholder responses throughout the United States |
| title_short | Pluvial flood impacts and policyholder responses throughout the United States |
| title_sort | pluvial flood impacts and policyholder responses throughout the united states |
| url | https://doi.org/10.1038/s44304-025-00058-7 |
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