Generalized fragility curves for earthquake insurance premiums

Ekici, Melis Aysun
Since there are three major earthquake lines on Anatolia which are North Anatolian Fault, East Anatolian Fault and West Anatolian Fault, earthquake is one of the most important issue for Turkey. Following the damages of Kocaeli (1999) Earthquake to our economy, importance of earthquake insurance was understood and therefore Compulsory Earthquake Insurance was put into action. However, for the calculation of insurance premiums which were specified by Turkish Catastrophe Insurance Pool (TCIP), only type of buildings and Earthquake Zones are considered that are not adequate parameters for determining the premiums. In this study, by utilizing fragility curves of the previous studies which were done for Turkish Reinforced Concrete and Masonry buildings, representative curves involving these types of buildings were suggested and new insurance premiums were recalculated by using these curves. In the first part, fragility curves taken from the previous studies were classified according to type of building (Reinforced Concrete Frame, Reinforced Concrete Dual or Masonry) and the height of building (Low-rise, Mid-rise and High-rise). Ground motion parameter is chosen as PGV (cm/s) for the Reinforced Concrete buildings and PGA(g) (m/s2) for the Masonry buildings. Fragility curves were determined according to Immediate Occupancy, Life Safety and Collapse Prevention performance levels. In the second part, various mathematical methods were applied on classified curves and representative fragility curves were obtained. Finally, by using the representative curves resulting from Lognormal Cumulative Distribution Function, new insurance premiums were calculated for Reinforced Concrete and Masonry buildings in Istanbul and results were compared with the current premiums of TCIP.


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Citation Formats
M. A. Ekici, “Generalized fragility curves for earthquake insurance premiums,” M.S. - Master of Science, Middle East Technical University, 2015.