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首页> 外文期刊>International Journal of Disaster Risk Science >An Unmitigated Disaster: Shifting from Response and Recovery to Mitigation for an Insurable Future
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An Unmitigated Disaster: Shifting from Response and Recovery to Mitigation for an Insurable Future

机译：一场无法缓解的灾难：从响应和恢复到缓解以确保可保的未来

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Australian households are increasingly vulnerable to natural hazard-related disasters. To manage disaster risk, government commissioned inquiries have called for greater investment in mitigation. This article critically examines the call for a shift in funding priority towards pre-disaster mitigation measures, in the context of growing concerns around the ability of households to access and afford insurance. It examines mitigation measures in the context of three prominent Australian disasters: the Black Saturday bushfires (Victoria, 2009), the Queensland floods (2010–2011), and Cyclone Yasi (Queensland, 2011). We argue that as a mode of disaster security, mitigation operates as a complex assemblage of logics and practices of protection, preparedness, and resilience, which problematizes simplistic protection/resilience binaries. On the one hand, mitigation serves as a mode of protection, which underscores the dominant maladaptive rationality of insurance. It promises a collective solution to uninsurability that is limited by government fiscal constraints and growing employment of risk-reflective insurance pricing. On the other hand, there is evidence of an emergent rationality of household insurance as a path to resilience and preparedness—for example, in the development of insurance systems that price household retrofitting technologies and in the development of policyholder education campaigns. This resilience rationality holds the promise of securing individuals previously excluded from insurance. However, for householders lacking the necessary physical, cognitive, and financial capacities to make themselves and their properties resilient, the transition to a pre-disaster mitigation mode of security will likely do little to alleviate disadvantage and marginalization.
机译：澳大利亚家庭越来越容易遭受与自然灾害有关的灾难。为了管理灾难风险，政府委托的调查呼吁加大对减灾的投资。在对家庭获得和购买保险的能力的担忧日益增加的背景下，本文严格审查了将资金优先重点转移到灾前缓解措施的呼吁。它研究了澳大利亚三起重大灾害的缓解措施：黑色星期六森林大火（维多利亚，2009年），昆士兰州洪水（2010年至2011年）和飓风亚西（昆士兰州，2011年）。我们认为，作为灾难安全的一种模式，缓解措施是保护，准备和弹性的逻辑和实践的复杂组合，这给简化的保护/弹性二进制文件带来了问题。一方面，缓解是一种保护方式，强调了保险的主要适应不良理性。它有望为无法保释的集体解决方案提供解决方案，这种局限性受到政府财政限制和对风险反思型保险定价日益增长的限制。另一方面，有证据表明，家庭保险作为恢复力和防备能力的一种途径出现了合理性，例如，在为家庭改装技术定价的保险系统的开发中以及在保单持有人的教育运动中。这种弹性合理性有望确保以前被排除在保险之外的个人受到保护。但是，对于缺乏必要的身体，认知和财务能力以使其自身及其财产具有弹性的家庭，向灾难前缓解安全模式的过渡可能对减轻不利条件和边缘化几乎没有任何作用。

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