文摘
Catastrophe loss estimation for natural hazards combines both hazard and exposure data. While hazard attributes such as intensity distributions are usually represented at a spatially explicit raster (or pixel) level, exposure data such as population, dwellings and insurance portfolios are usually only available at spatially lumped census tracts. In current loss estimation studies, this spatial incompatibility is often inadequately addressed and a uniform distribution of exposure data within an areal unit assumed. As a result, loss estimation models overlook a great deal of spatial disparity. This paper defines occupied residential area as the area at risk and uses a dasymetric mapping approach to obtain this from areal census tracts.