scholarly journals Predicting Flood Property Insurance Claims over CONUS, Fusing Big Earth Observation Data

Abstract Each year throughout the contiguous United States (CONUS), flood hazards cause damage amounting to billions of dollars in homeowner insurance claims. As climate change threatens to raise the frequency and severity of flooding in vulnerable areas, the ability to predict the number of property insurance claims resulting from flood events becomes increasingly important to flood resilience. Based on random forest, we develop a flood property Insurance Claims model (iClaim) by fusing records from the National Flood Insurance Program (NFIP), including building locations, topography, basin morphometry, and land cover, with data from multiple sources of hydrometeorological variables, including flood extent, precipitation, and operational river-stage and oceanic water-level measurements. The model utilizes two steps—damage level classification and claim number regression—and subsampling strategies designed accordingly to reduce overfitting and underfitting caused by the flood claim samples, which are unevenly distributed and widely ranged. We evaluate the model using 446,446 grid samples identified from 589 flood events occurring from 2016 to 2019 over CONUS, overlapping 258,159 claims out of a total of 287,439 NFIP records of the same period. Our rigorous validation yields acceptable performance at the grid/event, county/event, and event accumulative level, with R2 over 0.5, 0.9, and 0.95, respectively. We conclude that the iClaim model can be used in many application scenarios, including assessing flood impact and improving flood resilience.

2021 ◽  
Vol 13 (3) ◽  
pp. 491
Author(s):  
Niangang Jiao ◽  
Feng Wang ◽  
Hongjian You

Numerous earth observation data obtained from different platforms have been widely used in various fields, and geometric calibration is a fundamental step for these applications. Traditional calibration methods are developed based on the rational function model (RFM), which is produced by image vendors as a substitution of the rigorous sensor model (RSM). Generally, the fitting accuracy of the RFM is much higher than 1 pixel, whereas the result decreases to several pixels in mountainous areas, especially for Synthetic Aperture Radar (SAR) imagery. Therefore, this paper proposes a new combined adjustment for geolocation accuracy improvement of multiple sources satellite SAR and optical imagery. Tie points are extracted based on a robust image matching algorithm, and relationships between the parameters of the range-doppler (RD) model and the RFM are developed by transformed into the same Geodetic Coordinate systems. At the same time, a heterogeneous weight strategy is designed for better convergence. Experimental results indicate that our proposed model can achieve much higher geolocation accuracy with approximately 2.60 pixels in the X direction and 3.50 pixels in the Y direction. Compared with traditional methods developed based on RFM, our proposed model provides a new way for synergistic use of multiple sources remote sensing data.


GIS Business ◽  
2019 ◽  
Vol 12 (3) ◽  
pp. 12-14
Author(s):  
Eicher, A

Our goal is to establish the earth observation data in the business world Unser Ziel ist es, die Erdbeobachtungsdaten in der Geschäftswelt zu etablieren


Author(s):  
Tais Grippa ◽  
Stefanos Georganos ◽  
Sabine Vanhuysse ◽  
Moritz Lennert ◽  
Nicholus Mboga ◽  
...  

2020 ◽  
Vol 13 (1) ◽  
pp. 5
Author(s):  
William Straka ◽  
Shobha Kondragunta ◽  
Zigang Wei ◽  
Hai Zhang ◽  
Steven D. Miller ◽  
...  

The COVID-19 pandemic has infected almost 73 million people and is responsible for over 1.63 million fatalities worldwide since early December 2019, when it was first reported in Wuhan, China. In the early stages of the pandemic, social distancing measures, such as lockdown restrictions, were applied in a non-uniform way across the world to reduce the spread of the virus. While such restrictions contributed to flattening the curve in places like Italy, Germany, and South Korea, it plunged the economy in the United States to a level of recession not seen since WWII, while also improving air quality due to the reduced mobility. Using daily Earth observation data (Day/Night Band (DNB) from the National Oceanic and Atmospheric Administration Suomi-NPP and NO2 measurements from the TROPOspheric Monitoring Instrument TROPOMI) along with monthly averaged cell phone derived mobility data, we examined the economic and environmental impacts of lockdowns in Los Angeles, California; Chicago, Illinois; Washington DC from February to April 2020—encompassing the most profound shutdown measures taken in the U.S. The preliminary analysis revealed that the reduction in mobility involved two major observable impacts: (i) improved air quality (a reduction in NO2 and PM2.5 concentration), but (ii) reduced economic activity (a decrease in energy consumption as measured by the radiance from the DNB data) that impacted on gross domestic product, poverty levels, and the unemployment rate. With the continuing rise of COVID-19 cases and declining economic conditions, such knowledge can be combined with unemployment and demographic data to develop policies and strategies for the safe reopening of the economy while preserving our environment and protecting vulnerable populations susceptible to COVID-19 infection.


2021 ◽  
Vol 13 (7) ◽  
pp. 1310
Author(s):  
Gabriele Bitelli ◽  
Emanuele Mandanici

The exponential growth in the volume of Earth observation data and the increasing quality and availability of high-resolution imagery are increasingly making more applications possible in urban environments [...]


2021 ◽  
Vol 10 (1) ◽  
pp. 32
Author(s):  
Abhishek V. Potnis ◽  
Surya S. Durbha ◽  
Rajat C. Shinde

Earth Observation data possess tremendous potential in understanding the dynamics of our planet. We propose the Semantics-driven Remote Sensing Scene Understanding (Sem-RSSU) framework for rendering comprehensive grounded spatio-contextual scene descriptions for enhanced situational awareness. To minimize the semantic gap for remote-sensing-scene understanding, the framework puts forward the transformation of scenes by using semantic-web technologies to Remote Sensing Scene Knowledge Graphs (RSS-KGs). The knowledge-graph representation of scenes has been formalized through the development of a Remote Sensing Scene Ontology (RSSO)—a core ontology for an inclusive remote-sensing-scene data product. The RSS-KGs are enriched both spatially and contextually, using a deductive reasoner, by mining for implicit spatio-contextual relationships between land-cover classes in the scenes. The Sem-RSSU, at its core, constitutes novel Ontology-driven Spatio-Contextual Triple Aggregation and realization algorithms to transform KGs to render grounded natural language scene descriptions. Considering the significance of scene understanding for informed decision-making from remote sensing scenes during a flood, we selected it as a test scenario, to demonstrate the utility of this framework. In that regard, a contextual domain knowledge encompassing Flood Scene Ontology (FSO) has been developed. Extensive experimental evaluations show promising results, further validating the efficacy of this framework.


2020 ◽  
Vol 3 (1) ◽  
pp. 78
Author(s):  
Francis Oloo ◽  
Godwin Murithi ◽  
Charlynne Jepkosgei

Urban forests contribute significantly to the ecological integrity of urban areas and the quality of life of urban dwellers through air quality control, energy conservation, improving urban hydrology, and regulation of land surface temperatures (LST). However, urban forests are under threat due to human activities, natural calamities, and bioinvasion continually decimating forest cover. Few studies have used fine-scaled Earth observation data to understand the dynamics of tree cover loss in urban forests and the sustainability of such forests in the face of increasing urban population. The aim of this work was to quantify the spatial and temporal changes in urban forest characteristics and to assess the potential drivers of such changes. We used data on tree cover, normalized difference vegetation index (NDVI), and land cover change to quantify tree cover loss and changes in vegetation health in urban forests within the Nairobi metropolitan area in Kenya. We also used land cover data to visualize the potential link between tree cover loss and changes in land use characteristics. From approximately 6600 hectares (ha) of forest land, 720 ha have been lost between 2000 and 2019, representing about 11% loss in 20 years. In six of the urban forests, the trend of loss was positive, indicating a continuing disturbance of urban forests around Nairobi. Conversely, there was a negative trend in the annual mean NDVI values for each of the forests, indicating a potential deterioration of the vegetation health in the forests. A preliminary, visual inspection of high-resolution imagery in sample areas of tree cover loss showed that the main drivers of loss are the conversion of forest lands to residential areas and farmlands, implementation of big infrastructure projects that pass through the forests, and extraction of timber and other resources to support urban developments. The outcome of this study reveals the value of Earth observation data in monitoring urban forest resources.


Agronomy ◽  
2021 ◽  
Vol 11 (1) ◽  
pp. 110
Author(s):  
Filippo Sarvia ◽  
Elena Xausa ◽  
Samuele De Petris ◽  
Gianluca Cantamessa ◽  
Enrico Borgogno-Mondino

Farmers that intend to access Common Agricultural Policy (CAP) contributions must submit an application to the territorially competent Paying Agencies (PA). Agencies are called to verify consistency of CAP contributions requirements through ground campaigns. Recently, EU regulation (N. 746/2018) proposed an alternative methodology to control CAP applications based on Earth Observation data. Accordingly, this work was aimed at designing and implementing a prototype of service based on Copernicus Sentinel-2 (S2) data for the classification of soybean, corn, wheat, rice, and meadow crops. The approach relies on the classification of S2 NDVI time-series (TS) by “user-friendly” supervised classification algorithms: Minimum Distance (MD) and Random Forest (RF). The study area was located in the Vercelli province (NW Italy), which represents a strategic agricultural area in the Piemonte region. Crop classes separability proved to be a key factor during the classification process. Confusion matrices were generated with respect to ground checks (GCs); they showed a high Overall Accuracy (>80%) for both MD and RF approaches. With respect to MD and RF, a new raster layer was generated (hereinafter called Controls Map layer), mapping four levels of classification occurrences, useful for administrative procedures required by PA. The Control Map layer highlighted that only the eight percent of CAP 2019 applications appeared to be critical in terms of consistency between farmers’ declarations and classification results. Only for these ones, a GC was warmly suggested, while the 12% must be desirable and the 80% was not required. This information alone suggested that the proposed methodology is able to optimize GCs, making possible to focus ground checks on a limited number of fields, thus determining an economic saving for PA and/or a more effective strategy of controls.


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