index based flood insurance in bihar

1. fcgkj esa d`f”k yphykiu vkSj ck<+&jks/kh vkthfodk c<+kuk
lwpdkad&vk/kkfjr ck<+ chek ds fy, fjeksV lsaflax uokpkj
lwpdkad&vk/kkfjr ck<+ chek ¼vkbZch,QvkbZ½ de vk; vkSj vDlj ck<+ ls izHkkfor gksus okys leqnk;ksa ds fy, izHkkoh Hkqxrku ;kstuk fodflr djus dk ,d
uoksUes”kh n`f”Vdks.k gSA bl ifj;kstuk dk mn~ns’; mPp&rduhd okys ekWMy vkSj mixzg ls izkIr rLohjksa dks vU; MsVk ds lkFk ,dhd`r dj ck<+ dh lhek dks
iwoZfu/kkZfjr djuk gS] ftlls eqvkots dk rsth ls Hkqxrku fd;k tk ldrk gSA izHkkoh ‘kq: ls var rd lek?kku dks fofHkUu laxBuksa vkSj fo’ks”kKksa] ftuesa dsanz ,oa
jkT; ljdkj ds fudk;ksa] futh chek daifu;ksa] leqnk; vk/kkfjr laxBuksa ¼lhchvks½ vkSj xSj&ljdkjh laxBuksa ¼,uthvks½ ‘kkfey gSa] ds lg;ksx ls fd;k x;k gSA
bl ifj;kstuk dk ijh{k.k Hkkjr vkSj ckaXykns’k ds pqfuank txgksa ij fd;k tk,xk] tks vkbZch,QvkbZ dks O;kid iSekus ij fodflr djus dk igyk iz;kl gSA
lwpdkad&vk/kkfjr ck<+ chek ¼vkbZch,QvkbZ½ D;ksa
c<+rh vkcknh] tehu ,oa ty lalk/kuksa dk [kjkc izca/ku vkSj tyok;q ds izfrdwy izHkko ds c<+rs
tksf[ke ds dkj.k cM+h la[;k esa yksx ck<+ ds [krjs ls tw>rs gSaA vkink tksf[ke esa deh ds fy,
la;qDr jk”Vª dk;kZy; ¼;w,uvkbZ,lMhvkj½ dh 2011 dh fjiksVZ esa vuqeku yxk;k x;k gS fd djhc
80 djksM+ yksx ck<+&izHkkfor bykdksa esa jgrs gSa vkSj djhc 7 djksM+ yksxksa dks gj lky ck<+ dh
leL;k dk lkeuk djuk iM+rk gSA ck<+ cM+s iSekus ij fouk’k vkSj ekuo =klnh dk dkj.k curk gS
vkSj cqfu;knh <kapk] d`f”k vkSj ikfjLFkfrdh ij izfrdwy izHkko iM+rk gSA d`f”k dk;Z ls tqM+s yksxksa dks
ck<+ ls gksus okys uqdlku dh otg ls Hkkjh vkfFkZd ncko iM+rk gSA
ikjaifjd rkSj ij ck<+&tksf[ke izca/ku bathfu;j dh izfrfdz;k ij dsafnzr gksrk gS] tSls fd cka/k vkSj
rVca/k ;k iqufuZekZ.k xfrfof/k;ka rFkk ck<+ ds ckn eqvkots dk Hkqxrku] [kkldj d`f”k ds ekeys esaA
gkykafd fiNys dqN n’kdksa esa ,sls lk{; lkeus vk, gSa fd ;kstuk] fuekZ.k fofu;eu vkSj le; jgrs
psrkouh iz.kkyh ds ek/;e ls O;kid n`f”Vdks.k viukdj ck<+ ls gksus okys uqdlku dks dkQh de
fd;k tk ldrk gSA lwpdkad&vk/kkfjr ck<+ chek ¼vkbZch,QvkbZ½ ,slk gh ,d lek/kku gS] tks ykxr
izHkkoh gksus ds lkFk gh vkink ds ckn csgrj yf{kr rjhds ls jkgr igqapkrs gq, d`f”k uqdlku dh
HkjikbZ dj ldrk gSA
fcgkj esa ck<+ ds ckjs esa 5 rF;
1. fcgkj Hkkjr dk lokZf/kd ck<+&izo.k jkT; gSA
2. dqy HkkSxksfyd {ks= dk djhc 73% bykdk gj
lky ck<+ lss izHkkfor gksrk gSA
3. mRrj fcgkj dh 76% vkcknh dks ck<+ dk lcls
T;knk [krjk gSA
4. 1987] 1998] 2002] 2004 vkSj 2007 esa Hkh”k.k
ck<+ dk lkeuk djuk iM+k gSA
5. 2001 ls 2012 ds nkSjku ck<+ ds dkj.k vdsys
eqt¶Qjiqj ftys esa gh lkykuk 30 yk[k
MkWyj ls T;knk dk uqdlku mBkuk iM+k gSA
lzksr % ck<+ izca/ku lwpuk iz.kkyh ¼,Q,evkbZ,l½ vkSj vkink izca/ku
foHkkx] fcgkjA
ifj;kstuk
vof/k % 2015-2018
y{; % lwpdkad&vk/kkfjr ck<+ chek ds fy,
fVdkÅ n`f”Vdks.k dk ;ksxnku] ftlls NksVs
fdlkuksa dks ck<+ ds tksf[ke dk csgrj
izca/ku djus esa enn fey ldsA
mn~ns’; % fjeksV lsaflax MsVk vkSj ck<+
ekWMfyax VwYl dk mi;ksx dj d`f”k ck<+
chek mRiknksa dks fodflr djuk] tks NksVs
tksr okys fdlkuksa dks ekSle vkSj@;k vU;
[krjksa ls iSnkokj ds lVhd uqdlku dk
fp=.k dj lds vkSj lw{e ,oa O;kid Lrj
okyh chek ;kstukvksa esa bldk vkdyu
fd;k tk ldsA vxLr 2007 esa e/;&fjtksY;w’ku besftax LisDVksjsfM;ksehVj ¼,evksMhvkbZ,l½ lSVsykbV best }kjk iwohZ Hkkjr esa ck<+ dk n`’;A ¼lzksr %
uS’kuy ,;jksukWfVDl ,aM Lisl ,MfefuLVªs’ku [uklk]½A
izk;ksfxd ijh{k.k dk LFky
Hkkjr ds fcgkj jkT; esa eqt¶Qjiqj]
njHkaxk] leLrhiqj ;k dfVgkj ftys
esaA

2. ;g ifj;kstuk dSls dke djrk gS
ifj;kstuk vkmViqV
• nf{k.k ,f’k;kbZ ns’kksa ds pqus x, ftyksa esa ck<+ ds [krjk ekWMy vkSj fjeksV lsaflax ¼vkj,l½ MsVk ds lkFk vkbZch,QvkbZ dh vo/kkj.kk ds lcwrA
• fMft+Vy ¶yM eSfiax Vwy ds ek/;e ls ck<+ ls Qlyksa dks gq, uqdlku dk vkdyu vkSj mldh fuxjkuh rFkk chek ;kstukvksa esa bldk mi;ksxA
• fdlkuksa ds vuqdwy ck<+ chek vuqca/kksa dk de ls de rhu ftyksa esa] tgka lhekar efgyk fdlku@xjhc yksxksa dh vPNh&[kklh vkcknh gS] ogka bldh
fMt+kbu vkSj izk;ksfxd ijh{k.k djuk] rkfd ;g lqfuf’pr fd;k tk lds fd ;g vuqca/k fyax ds vk/kkj ij i{kikr ugha djrk gSA
• ns’kksa ds chek fu;kedksa ds vf/kdkfj;ksa@deZpkfj;ksa] ifjpkfyr chek daifu;ksa] eSVªksjksykWftdy ,tsafl;ksa] d`f”k vuqla/kku laLFkkuksa] lw{e foRr laLFkkuksa ;k
,uthvks rFkk izklafxd ljdkjh ,tsafl;ksa ¼tSls& vkink izca/ku] ty lalk/ku vkSj d`f”k ls tqM+s ea=ky;ksa½ ls izfrfdz;k izkIr djukA
• ck<+ chek dks ykxw djus ds fy, uhfr vkSj lkaLFkkfud fn’kkfunsZ’kA
• fjeksV&lsaflax vk/kkfjr lwpdkad chek dk ikjaifjd fof/k;ksa ls ykxr izHkkfork ds fygkt ls rqyukRed fo’ys”k.k vkSj yf{kr ns’kksa ds vU; fgLlksa esa bls
ykxw djus dh laHkkouk dk vkdyuA
Headquarters
International Water Management Institute (IWMI)
127 Sunil Mawatha, Pelawatte
Battaramulla, Sri Lanka
Mailing address:
P. O. Box 2075, Colombo, Sri Lanka
Tele: +94-11-2880000, 2784080
Fax: +94-11-2786854
Email: iwmi@cgiar.org
Website: www.iwmi.org
Giriraj Amarnath, Project Leader and Senior Researcher
Email: a.giriraj@cgiar.org
Nitasha Nair, Senior Communication Officer
Email: n.nair@cgiar.org
IWMI New Delhi Office, India
2nd Floor, CG Block C, NASC Complex DPS Marg, Pusa,
Opp Todapur, New Delhi 110 012, India
Tel: +91-11-25843536, 25840812, 65976151
Fax: +91-11-25840811
Printed: July 2015
Photo: Neil Palmer
IWMI is a
member of
the CGIAR
Consortium
and leads
the:
R ES E A R CH
PR O G R AM O N
Water , Land an d
Ecosystem s
Further information: This leaflet has been produced by the International Water Management Institute (IWMI).
For more details, contact:
vxj ifj;kstuk ds izLrkfor lek/kku dks O;kid Lrj ij ykxw fd;k x;k rks 2025 rd rdjhcu 10 yk[k fdlkuksa ds ikl d`f”k ck<+ chek dk doj gksxk
vkSj blls etcwr lkoZtfud&futh lk>snkjh okys dkjksckjh ekWMYl ds }kjk u, vkSj vyx rjg ds jkstxkj dk l`tu gksxk rFkk 10 vjc #i;s dk ck<+
lqj{kk chek dh vkiwfrZ dh tk ldrh gSA
Project partners
GIS/RS data
Flood data Site
priori za on
tkudkjh Mkyuk vkSj fo’ys”k.k
ck<+ lwpdkad
fMt+kbu
ck<+ ds [krjs dk
ekWM~;wy
chek Hkqxrku <kapk@;kstuk
vkmViqV mi;ksxdZrk vafre ykHkkFkhZ
MsoyiesaV cSadksa
ljdkj
fdlku ¼50]000 ls 10
yk[k fdlku bl
;kstuk ls ykHkkfUor
gks ldrs gSa½
chek ,tsafl;ka
uqdlku dk ekWM~;wy
d`f”k mit vkSj vkfFkZd uqdlku MsVk