In this paper we present a new method for fully automatic detection and derivation of areas endangered by heavy rainfall based only on digital elevation models. Tracking news show that the majority of occuring natural hazards are flood events. So already many flood prediction systems were developed. But most of these existing systems for deriving areas endangered by flooding events are based only on horizontal and vertical distances to existing rivers and lakes. Typically such systems take not into account dangers arising directly from heavy rain events. In a study conducted by us together with a german insurance company a new approach for detection of areas endangered by heavy rain was proven to give a high correlation of the derived endangered areas and the losses claimed at the insurance company. Here we describe three methods for classification of digital terrain models and analyze their usability for automatic detection and vulnerability analysis for areas endangered by heavy rainfall and analyze the results using the available insurance data.
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