Earthquake-induced household collapse rate and insurance premium for Taiwan

• Main Authors: I-Chia Chen, 陳怡嘉
• Other Authors: Jui-Pin Wang
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/he2gpu

碩士 === 國立中央大學 === 土木工程學系 === 107 === Taiwan is located in the boundary of the Eurasian Plate and Philippine Sea Plate that induced dramatic crustal deformation, very active faults and high seismicity rate over the past few years. In order to provide important indicators to earthquake prevention work and to reduce future earthquake damage, this study will conduct a series of simulation and analysis on household collapse rate, then calculating of the annual residential earthquake insurance accordingly. In this study, we present a Monte Carlo Simulation to calculate the earthquake-induced household collapse rate in Taiwan, based on the geological data and engineering seismological data in the literature. The analyses include scenario-based estimation and the probabilistic estimations considering input-data uncertainties and the randomness of earthquake occurrence. The result shows that the annual household collapse rate caused by earthquakes could ranges from 0.001% to 0.29% among the 371 townships in Taiwan, and the areas in Central and Eastern Taiwan should be under a higher risk. According to the household collapse rate, the annual insurance premium for an NT$1.5 million coverage should range from NT$100 to NT$3,400 with an average equal to NT$1,348 that is very close to the standard rate of NT$1,350 of the current earthquake insurance implemented in Taiwan.