2.1 Introduction
National flood insurance systems are made-up of a number of components that work together to deliver
flood insurance particular to the country it serves. There is, however, variation in how these systems
work and the types of the flood insurance delivered. For example, the type of property that is covered or
whether flood insurance is mandatory or optional differs greatly from country to country. To be able to
make cross country comparisons based on these differences it is necessary to be able to breakdown
flood insurance systems into general components. For the purpose of this thesis a system component is
considered to be any system element and related attributes that are involved in delivering flood
insurance. This, however is not sufficient. In order to make policy recommendations regarding the
introduction of private flood insurance to the Netherlands, it is also necessary to gain an understanding
how these components contribute to the system’s effectiveness.The first research question of this thesis
is therefore posed as follows:
SQ1: What are the main components of effective national flood insurance systems?
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