The document discusses climate change adaptation and insurance. It notes that adaptation responses are needed for habitable housing, flexible commercial buildings, risk-based development, reliable transportation, secure energy and water supplies, and a well-educated workforce. Flooding is seen as the most important climate change risk. The document then outlines a hierarchy of choices for climate change adaptation, including locating properties outside floodplains or in low-risk areas, raising occupied areas above flood heights, and examining flood defenses and mitigation measures. It advocates for actions to prevent further climate change and protect against inevitable impacts through community planning, development practices, building design, and individual behaviors.

1. Planning for climate change: sustainable insurance Jane Milne Climate Change Leader Association of British Insurers

3. Which of these events is most important? (YouGov, August 2007, 2012 respondents) Flooding 85% 16% Drought/water restrictions 57% 32% Heatwaves 40% 27% Increased hay fever 28% 21% Subsidence 26% 8% Windstorms 23% 14%

4. Which of these events is most important? (YouGov, August 2007, 2012 respondents) Flooding 85% 16% Drought/water restrictions 57% 32% Heatwaves 40% 27% Increased hay fever 28% 21% Subsidence 26% 8% Windstorms 23% 14%

5. Likely insurance costs

6. Summer 2007

7. Extent of flooding – after 0.4m sea level rise

8. Coastlines at the front line

9. Hierarchy of choices for adaptation Can site/properties be located outside the floodplain? Can properties be located in the lowest flood risk areas? Can occupied areas be raised above flood heights? Are flood defences feasible/ cost effective? Identify relevant property resilience options and examine alternative flood alleviation measures. If not… If not… If not… If not…

13. Reducing the risk for tomorrow