The Affordability of Flood Risk Property-Level Adaptation Measures

Coastal adaptation and migration dynamics under future shoreline changes

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.

A coupled agent-based model for France for simulating adaptation and migration decisions under future coastal flood risk

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.

An agent-based model for evaluating reforms of the National Flood Insurance Program: A benchmarked model applied to Jamaica Bay, NYC

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.

Why People (Do Not) Adopt the Private Precautionary and Mitigation Measures: A Review of the Issue from the Perspective of Recent Flood Risk Research

Based on the literature review, this paper synthesizes recent state of knowledge on flood risk perception and related human behaviors. The main attention is paid to private precautionary and mitigation measures, and the reasons why these are (not) adopted by agents such as individual households. Results of a wide range of relevant studies are presented and critically examined. The findings are presented within an interpretive framework established during the review process; six key themes (responsibility, risk perception, people and social environment, geography of risk, emotions, theories and conceptual models) and several sub-themes closely related to them were identified by the content/thematic analysis. These were then utilized to overview and discuss particular factors and issues involved, as well as various relevant theoretical underpinnings and conceptual models. The review identifies, illustrates, and addresses not only the consensual views and contradictory findings of flood risk research, but also several related and essential ambiguities, uncertainties, and knowledge gaps. Based on these findings, suggestions for future research are discussed, including the terminological, semantic, methodological, theoretical, and ethical aspects. The paper thus serves two main tasks: (a) It is a useful reference/departure point for those with research interests in topics and issues such as flood risk perception, flood risk protective and mitigation behaviors and measures, or flood risk management in general; and (b) it provides suggestions and incentives for future flood risk research agenda.