方法对比

	HAZUS Loss Estimation	Catastrophe Risk Modeling
领域	Disaster Studies	Disaster Studies
方法族	Process / pipeline	Process / pipeline
起源年份	2006	2005
提出者	Federal Emergency Management Agency; Charles Kircher, Robert Whitman & William Holmes	Patricia Grossi & Howard Kunreuther; Kirsten Mitchell-Wallace et al.
类型	Standardized GIS-based multi-hazard loss-estimation pipeline	Event-based stochastic loss-simulation pipeline
开创性文献	Kircher, C. A., Whitman, R. V., & Holmes, W. T. (2006). HAZUS Earthquake Loss Estimation Methods. Natural Hazards Review, 7(2), 45-59.	Mitchell-Wallace, K., Jones, M., Hillier, J., & Foote, M. (Eds.) (2017). Natural Catastrophe Risk Management and Modelling: A Practitioner's Guide. Wiley-Blackwell. ISBN: 9781118906040
别名	Hazus-MH Loss Estimation, FEMA Hazus Methodology, Standardized Regional Loss Estimation, Hazus Earthquake Model	Cat Modeling, Catastrophe Loss Modeling, Natural Catastrophe Modelling, Event-Based Loss Modeling
相关	4	4
摘要	HAZUS loss estimation is FEMA's standardized, GIS-based methodology for estimating the physical, social, and economic consequences of earthquakes, floods, hurricanes, and tsunamis across a region. It chains together four conceptual modules, potential hazard, inventory of the built environment, direct physical damage, and induced and economic losses, so that a consistent national framework can produce comparable loss estimates anywhere in the United States. Charles Kircher, Robert Whitman, and William Holmes's 2006 paper documents the earthquake methodology, including its use of capacity-spectrum demand estimation and lognormal fragility curves, and FEMA's technical manuals specify every default inventory, fragility, and loss parameter. The system is distinguished less by methodological novelty than by standardization: it packages decades of earthquake and flood loss science into reproducible software with vetted defaults. Planners, emergency managers, and policymakers use it for scenario planning, mitigation prioritization, and disaster response. Because its defaults are transparent and documented, HAZUS is both a working tool and a reference implementation of regional loss estimation.	Catastrophe risk modeling estimates the probability distribution of losses from natural perils, such as hurricanes, earthquakes, and floods, by simulating large stochastic sets of plausible events and pushing each through hazard, exposure, vulnerability, and financial modules. It exists because catastrophe losses are rare, severe, and spatially correlated, so historical loss data alone cannot reveal the tail risk that insurers and governments must plan for; instead the model synthesizes thousands of years of possible events. Patricia Grossi and Howard Kunreuther's 2005 volume systematized the four-module structure and its use in managing risk, while Kirsten Mitchell-Wallace and colleagues' 2017 practitioner's guide is the standard modern reference for how the industry builds and uses these models. The defining output is the loss exceedance curve, from which average annual loss, return-period losses, and probable maximum loss are read. Catastrophe models are the engine of property catastrophe insurance, reinsurance pricing, and increasingly public disaster-risk finance. They turn the physics of rare hazards into the financial metrics needed to price and transfer extreme risk.