5.6 Mitigation Incentives
Premiums are mostly risk based being dependent on the history of flooding, flood probability, and the
location of the insured property. An insurer will investigate the flood risk for each individual case and
then
tailor premiums accordingly. Insurers, however, calculate risk premiums using different methods
therefore a degree of competition to sell more attractive policies is possible (Faure and Bruggeman,
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