7.2.7 Risk Assessment and Mapping Tools
There is a great deal of public flood data and flood maps available in the Netherlands. Research had
ascertained that only the start-up private insurance company Neerlandse has converted this information
into a basic flood model that is now being used assess household flood risk premiums on their website
(EP, 2013). According to the Association of Dutch insurers, one of the key benefits accruing from their
proposal for mandatory flood insurance would be the opportunity for its member to share what they
consider to be the very high costs of developing a comprehensive flood risk model for the Netherlands.
In other words, a comprehensive fully functional flood risk model does not currently exist and will be
expensive to develop for individual insurance companies if they were to sell flood insurance on a
voluntary rather than mandatory basis.
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