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This study provides a comprehensive review of the literature on climate risk insurance modeling to identify lessons learned and knowledge gaps to be addressed by future research. These models are increasingly relevant due to the rising losses attributable to climate change. Insurance models estimate risk for different perils and simulate risk-related parameters for insurance schemes, such as premiums and deductibles. Most forward-looking models indicate that climate change and socioeconomic developments highly exacerbate future risk and increase insurance premiums. Various studies recommend charging risk-based premiums to incentivize adaptation efforts that limit this increase in climate risks. Other findings point toward introducing public-private insurance to cope with climate change and enhance risk spreading by introducing insurance purchase requirements or insurance products that cover multiple climate risks. Gaps that we identify in this literature include an underrepresentation of insurance assessments for developing countries and for hazards other than flooding. Additionally, we note a lack of research into insurance for non-agricultural commercial sectors. Furthermore, less than half of the studies take a forward-looking approach by incorporating climate change scenarios, and an even smaller percentage consider socioeconomic development scenarios. This limitation shows that current methods require additional development for assessing the effects of future climate risk on insurance. We recommend that future research develops such forward-looking models, considers using a more refined spatial scale, broadens geographical and hazard coverage, and includes the commercial sector., (© 2024 The Author(s). Annals of the New York Academy of Sciences published by Wiley Periodicals LLC on behalf of The New York Academy of Sciences.)

In global impact modeling, there is a need to address the heterogeneous characteristics of households and individuals that drive different behavioral responses to, for example, environmental risk, socio-economic policy changes and spread of diseases. In this research, we present GLOPOP-S, the first global synthetic population dataset with 1,999,227,130 households and 7,335,881,094 individuals for the year 2015, consistent with population statistics at an administrative unit 1 level. GLOPOS-S contains the following attributes: age, education, gender, income/wealth, settlement type (urban/rural), household size, household type, and for selected countries in the Global South, ownership of agricultural land and dwelling characteristics. To generate GLOPOP-S, we use microdata from the Luxembourg Income Study (LIS) and Demographic and Health Surveys (DHS) and apply synthetic reconstruction techniques to fit national survey data to regional statistics, thereby accounting for spatial differences within and across countries. Additionally, we have developed methods to generate data for countries without available microdata. The dataset can be downloaded per region or country. GLOPOP-S is open source and can be extended with other attributes., (© 2024. The Author(s).)

The Horn of Africa Drylands are increasingly experiencing severe droughts, which impose a threat on traditional livelihood strategies. Understanding adaptation behavior in rural communities is key to helping reduce the impact of these droughts. We investigate adaptation behavior by assessing four established economic and social psychological theories on decision making under risk: expected utility theory (EUT), rank dependent utility theory (RDU), protection motivation theory (PMT), and theory of planned behavior (PMT). To measure adaptation behavior and the theory constructs, we conducted a household survey in Kenya (N = 502). Regression analysis shows that the economic theories (EUT and RDU) have the best fit for our data. Risk and time preferences are found to play an important role in adaptation decisions. An analysis of differences in decision making for distinct types of adaptation measures shows that risk averse (agro-)pastoralists are more likely to implement adaptation measures that are adjustments to their current livelihood practices, and less willing to invest in adaptation measures that require a shift to other livelihood activities. Moreover, we find significant effects for elements of the social psychological theories (PMT and TPB). A person's belief in their own ability to implement an adaptation measure (perceived self-efficacy) and adaptation by family and friends are important factors in explaining adaptation decisions. Finally, we find that the type of adaptation measures that people implement is influenced by, among others, gender, education level, access to financial resources, and access to government support or aid. Our analysis gives insights into the drivers of individual adaptation decisions, which can enhance policies promoting adaptation of dryland communities., (© 2023 The Authors. Risk Analysis published by Wiley Periodicals LLC on behalf of Society for Risk Analysis.)

In this study, we present a novel modeling framework that provides a stylized representation of coastal adaptation and migration dynamics under sea level rise (SLR). We develop an agent-based model that simulates household and government agents adapting to shoreline change and increasing coastal flood risk. This model is coupled to a gravity-based model of migration to simulate coastward migration. Household characteristics are derived from local census data from 2015, and household decisions are calibrated based on empirical survey data on household adaptation in France. We integrate projections of shoreline retreat and flood inundation levels under two Representative Concentration Pathways (RCPs) and account for socioeconomic development under two Shared Socioeconomic Pathways (SSPs). The model is then applied to simulate coastal adaptation and migration between 2015 and 2080. Our results indicate that without coastal adaptation, SLR could drive the cumulative net outmigration of 13,100 up to as many as 21,700 coastal inhabitants between 2015 and 2080 under SSP2-RCP4.5 and SSP5-RCP8.5, respectively. This amounts to between 3.0 %-3.7 % of the coastal population residing in the 1/100-year flood zone in 2080 under a scenario of SLR. We find that SLR-induced migration is largely dependent on the adaptation strategies pursued by households and governments. Household implementation of floodproofing measures combined with beach renourishment reduces the projected SLR-induced migration by 31 %-36 % when compared to a migration under a scenario of no adaptation. A sensitivity analysis indicates that the effect of beach renourishment on SLR-induced migration largely depends on the level of coastal flood protection offered by sandy beaches. By explicitly modeling household behavior combined with governmental protection strategies under increasing coastal risks, the framework presented in this study allows for a comparison of climate change impacts on coastal communities under different adaptation strategies., Competing Interests: Declaration of competing interest The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper., (Copyright © 2024 The Authors. Published by Elsevier B.V. All rights reserved.)

The Caribbean region is prone to the strong winds and low air pressures of tropical cyclones and their corresponding storm surge that driving coastal flooding. To protect coastal communities from the impacts of tropical cyclones, it is important to understand how this impact of tropical cyclones might change towards the future. This study applies the storyline approach to show what tropical cyclones Maria (2017) and Dorian (2019) could look like in a 2 °C and 3.4 °C warmer future climate. These two possible future climates are simulated with a high-resolution regional climate model using the pseudo global warming approach. Using the climate response from these simulations we apply a Delta-quantile mapping technique to derive future changes in wind speed and mean sea level pressure. We apply this Delta technique to tropical cyclones Maria and Dorian's observed wind and pressure fields to force a hydrodynamic model for simulating storm surge levels under historical and future climate conditions. Results show that the maximum storm surge heights of Maria and Dorian could increase by up to 0.31 m and 0.56 m, respectively. These results clearly show that future changes in storm surge heights are not negligible compared to end-of-the-century sea level rise projections, something that is sometimes overlooked in large-scale assessments of future coastal flood risk., (© 2024. The Author(s).)

Future flood risk assessments typically focus on changing hazard conditions as a result of climate change, where flood exposure is assumed to remain static or develop according to exogenous scenarios. However, this study presents a method to project future riverine flood risk in Europe by simulating population growth in floodplains, where households' settlement location decisions endogenously depend on environmental and institutional factors, including amenities associated with river proximity, riverine flood risk, and insurance against this risk. Our results show that population growth in European floodplains and, consequently, rising riverine flood risk are considerably higher when the dis-amenity caused by flood risk is offset by insurance. This outcome is particularly evident in countries where flood risk is covered collectively and notably less where premiums reflect the risk of individual households., (© 2023. The Author(s).)

The Horn of Africa faces an ongoing multi-year drought due to five consecutive failed rainy seasons, a novel climatic event with unpreceded impacts. Beyond the starvation of millions of livestock, close to 23 million individuals in the region are currently facing high food insecurity in Kenya, Somalia and Ethiopia alone. The severity of these impacts calls for the urgent upscaling and optimisation of early action for droughts. However, drought research focuses mainly on meteorological and hydrological forecasting, while early action triggered by forecasts is seldom addressed. This study investigates the potential for early action for droughts by using seasonal forecasts from the European Centre for Medium-Range Weather Forecasts (ECMWF) SEAS5 system for the March-April-May (MAM) and October-November-December (OND) rainy seasons. We show that these seasonal rainfall forecasts reflect major on-the-ground impacts, which we identify from drought surveillance data from 21 counties in Kenya. Subsequently, we show that the SEAS5 drought forecasts with short lead times have substantial potential economic value (PEV) when used to trigger action before the OND season across the region (PEV max  = 0.43). Increasing lead time to one or two months ahead of the season decreases PEV, but the benefits persist (PEV max  = 0.2). Outside of Kenya, MAM forecasts have limited value. The existence of opportunities for early action during the OND season in Kenya and Somalia is demonstrated by high PEV values, with some regions recording PEV max values close to 0.8. To illustrate the practical value of this research, we point to a dilemma that a pastoralist in the Kenyan drylands faces when deciding whether to adopt early livestock destocking. This study underscores the importance to determine the value of early actions for forecast users with different action characteristics, and to disseminate this value alongside the standard forecasts themselves. This allows users to trigger effective actions before drought impacts develop., Competing Interests: Declaration of competing interest The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper., (Copyright © 2023 The Authors. Published by Elsevier B.V. All rights reserved.)

Climate change-induced sea-level rise will lead to an increase in internal migration, whose intensity and spatial patterns will depend on the amount of sea-level rise; future socioeconomic development; and adaptation strategies pursued to reduce exposure and vulnerability to sea-level rise. To explore spatial feedbacks between these drivers, we combine sea-level rise projections, socioeconomic projections, and assumptions on adaptation policies in a spatially-explicit model ('CONCLUDE'). Using the Mediterranean region as a case study, we find up to 20 million sea-level rise-related internal migrants by 2100 if no adaptation policies are implemented, with approximately three times higher migration in southern and eastern Mediterranean countries compared to northern Mediterranean countries. We show that adaptation policies can reduce the number of internal migrants by a factor of 1.4 to 9, depending on the type of strategies pursued; the implementation of hard protection measures may even lead to migration towards protected coastlines. Overall, spatial migration patterns are robust across all scenarios, with out-migration from a narrow coastal strip and in-migration widely spread across urban settings. However, the type of migration (e.g. proactive/reactive, managed/autonomous) depends on future socioeconomic developments that drive adaptive capacity, calling for decision-making that goes well beyond coastal issues., (© 2023. The Author(s).)

In this study, we couple an integrated flood damage and agent-based model (ABM) with a gravity model of internal migration and a flood risk module (DYNAMO-M) to project household adaptation and migration decisions under increasing coastal flood risk in France. We ground the agent decision rules in a framework of subjective expected utility theory. This method addresses agent's bounded rationality related to risk perception and risk aversion and simulates the impact of push, pull, and mooring factors on migration and adaptation decisions. The agents are parameterized using subnational statistics, and the model is calibrated using a household survey on adaptation uptake. Subsequently, the model simulates household adaptation and migration based on increasing coastal flood damage from 2015 until 2080. A medium population growth scenario is used to simulate future population development, and sea level rise (SLR) is assessed for different climate scenarios. The results indicate that SLR can drive migration exceeding 8000 and 10,000 coastal inhabitants for 2080 under the Representative Concentration Pathways 4.5 and 8.5, respectively. Although household adaptation to flood risk strongly impacts projected annual flood damage, its impact on migration decisions is small and falls within the 90% confidence interval of model runs. Projections of coastal migration under SLR are most sensitive to migration costs and coastal flood protection standards, highlighting the need for better characterization of both in modeling exercises. The modeling framework demonstrated in this study can be upscaled to the global scale and function as a platform for a more integrated assessment of SLR-induced migration., (© 2023. The Author(s).)

Coastal flood risk is expected to increase as a result of climate change effects, such as sea level rise, and socioeconomic growth. To support policymakers in making adaptation decisions, accurate flood risk assessments that account for the influence of complex adaptation processes on the developments of risks are essential. In this study, we integrate the dynamic adaptive behavior of homeowners within a flood risk modeling framework. Focusing on building-level adaptation and flood insurance, the agent-based model (DYNAMO) is benchmarked with empirical data for New York City, USA. The model simulates the National Flood Insurance Program (NFIP) and frequently proposed reforms to evaluate their effectiveness. The model is applied to a case study of Jamaica Bay, NY. Our results indicate that risk-based premiums can improve insurance penetration rates and the affordability of insurance compared to the baseline NFIP market structure. While a premium discount for disaster risk reduction incentivizes more homeowners to invest in dry-floodproofing measures, it does not significantly improve affordability. A low interest rate loan for financing risk-mitigation investments improves the uptake and affordability of dry-floodproofing measures. The benchmark and sensitivity analyses demonstrate how the behavioral component of our model matches empirical data and provides insights into the underlying theories and choices that autonomous agents make., (© 2022 The Authors. Risk Analysis published by Wiley Periodicals LLC on behalf of Society for Risk Analysis.)

Nature-based solutions may actively reduce hydro-meteorological risks in urban areas as a part of climate change adaptation. However, the main reason for the increasing uptake of this type of solution is their many benefits for the local inhabitants, including recreational value. Previous studies on recreational value focus on studies of existing nature sites that are often much larger than what is considered as new NBS for flood adaptation studies in urban areas. We thus prioritized studies with smaller areas and nature types suitable for urban flood adaptation and divided them into four common nature types for urban flood adaptation: sustainable urban drainage systems, city parks, nature areas and rivers. We identified 23 primary valuation studies, including both stated and revealed preference studies, and derived two value transfer functions based on meta-regression analysis on existing areas. We investigated trends between values and variables and found that for the purpose of planning of new NBS the size of NBS and population density were determining factors of recreational value. For existing NBS the maximum travelling distance may be included as well. We find that existing state-of-the-art studies overestimate the recreational with more than a factor of 4 for NBS sizes below 5 ha. Our results are valid in a European context for nature-based solutions below 250 ha and can be applied across different NBS types and sizes., (Copyright © 2022 The Authors. Published by Elsevier Ltd.. All rights reserved.)

There is considerable uncertainty surrounding future changes in tropical cyclone (TC) frequency and intensity, particularly at local scales. This uncertainty complicates risk assessments and implementation of risk mitigation strategies. We present a novel approach to overcome this problem, using the statistical model STORM to generate 10,000 years of synthetic TCs under past (1980-2017) and future climate (SSP585; 2015-2050) conditions from an ensemble of four high-resolution climate models. We then derive high-resolution (10-km) wind speed return period maps up to 1000 years to assess local-scale changes in wind speed probabilities. Our results indicate that the probability of intense TCs, on average, more than doubles in all regions except for the Bay of Bengal and the Gulf of Mexico. Our unique and innovative methodology enables globally consistent comparison of TC risk in both time and space and can be easily adapted to accommodate alternative climate scenarios and time periods.

Critical infrastructure (CI) is fundamental for the functioning of a society and forms the backbone for socio-economic development. Natural and human-made threats, however, pose a major risk to CI. Therefore, geospatial data on the location of CI are fundamental for in-depth risk analyses, which are required to inform policy decisions aiming to reduce risk. We present a first-of-its-kind globally harmonized spatial dataset for the representation of CI. In this study, we: (1) collect and harmonize detailed geospatial data of the world's main CI systems into a single geospatial database; and (2) develop the Critical Infrastructure Spatial Index (CISI) to express the global spatial intensity of CI. The CISI aggregates high-resolution geospatial OpenStreetMap (OSM) data of 39 CI types that are categorized under seven overarching CI systems. The detailed geospatial data are rasterized into a harmonized and consistent dataset with a resolution of 0.10 × 0.10 and 0.25 × 0.25 degrees. The dataset can be applied to explore the current landscape of CI, identify CI hotspots, and as exposure input for large-scale risk assessments., (© 2022. The Author(s).)

Sea-level rise (SLR) threatens millions of people living in coastal areas through permanent inundation and other SLR-related hazards. Migration is one way for people to adapt to these coastal changes, but presents an enormous policy challenge given the number of people affected. Knowledge about the relationship between SLR-related hazards and migration is therefore important to allow for anticipatory policymaking. In recent years, an increasing number of empirical studies have investigated, using survey or census data, how SLR-related hazards including flooding, salinization, and erosion together with non-environmental factors influence migration behavior. In this article, we provide a systematic literature review of this empirical work. Our review findings indicate that flooding is not necessarily associated with increased migration. Severe flood events even tend to decrease long-term migration in developing countries, although more research is needed to better understand the underpinnings of this finding. Salinization and erosion do generally lead to migration, but the number of studies is sparse. Several non-environmental factors including wealth and place attachment influence migration alongside SLR-related hazards. Based on the review, we propose a research agenda by outlining knowledge gaps and promising avenues for future research on this topic. Promising research avenues include using behavioral experiments to investigate migration behavior under future SLR scenarios, studying migration among other adaptation strategies, and complementing empirical research with dynamic migration modeling. We conclude that more empirical research on the SLR-migration nexus is needed to properly understand and anticipate the complex dynamics of migration under SLR, and to design adequate policy responses. This article is categorized under: Climate Economics < Aggregation Techniques for Impacts and Mitigation CostsVulnerability and Adaptation to Climate Change < Learning from Cases and AnalogiesAssessing Impacts of Climate Change < Evaluating Future Impacts of Climate Change., Competing Interests: The authors have declared no conflicts of interest for this article., (© 2021 The Authors. WIREs Climate Change published by Wiley Periodicals LLC.)

COVID-19 has revealed how challenging it is to manage global, systemic and compounding crises. Like COVID-19, climate change impacts, and maladaptive responses to them, have potential to disrupt societies at multiple scales via networks of trade, finance, mobility and communication, and to impact hardest on the most vulnerable. However, these complex systems can also facilitate resilience if managed effectively. This review aims to distil lessons related to the transboundary management of systemic risks from the COVID-19 experience, to inform climate change policy and resilience building. Evidence from diverse fields is synthesised to illustrate the nature of systemic risks and our evolving understanding of resilience. We describe research methods that aim to capture systemic complexity to inform better management practices and increase resilience to crises. Finally, we recommend specific, practical actions for improving transboundary climate risk management and resilience building. These include mapping the direct, cross-border and cross-sectoral impacts of potential climate extremes, adopting adaptive risk management strategies that embrace heterogenous decision-making and uncertainty, and taking a broader approach to resilience which elevates human wellbeing, including societal and ecological resilience., Competing Interests: The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper., (© 2022 The Author(s).)