地震保険研究 ３６

消費者の地震危険意識と住居建物属性の調査（2019年調査）

2020年3月

損害保険料率算出機構

はじめに当機構では、地震保険調査研究事業の一環として、地震保険および地震危険に対する一般消費者の意識・行動と保険・共済制度等への加入の関係や、地震保険加入者の居住する建物の属性等の調査を実施している。本報告書はインターネットによるアンケート調査結果について、主として損害保険や共済等への加入状況を軸とした取りまとめを行ったものである。
なお、本調査のアンケート項目の一部については、過去にも同様の調査を実施し、下記報告書に取りまとめている。
・地震保険研究5「大規模地震危険に関する消費者意識調査」
・地震保険研究21「地震危険に関する消費者意識調査（平成21年調査）」・地震保険研究28「地震危険に関する消費者意識調査（平成26年調査）」

本報告書が防災や保険等の災害に関わる分野において有益な資料となれば幸いである。

2020年3月
損害保険料率算出機構

－ 目

次 －

第Ⅰ章 調査概要 ····················································· 1１．調査の目的 ······················································ 1２．調査の概要 ······················································ 1（１）概要 ························································· 1（２）都道府県別サンプル数 ·········································2
第Ⅱ章 調査結果 ····················································· 3
１．住まいの損害保険および共済の加入状況 ···························· 3（１）地震保険加入状況：２区分 ·····································3（２）地震保険加入状況（詳細）：５区分 ····························· 3２．回答者および回答者世帯の属性 ····································5（１）回答者の立場 ················································· 5（２）未既婚別 ····················································· 6（３）回答者および世帯主の年齢 ····································7（４）回答者および世帯主の職業 ·····································9（５）世帯の人数 ·················································· 11（６）世帯の年収 ·················································· 12３．地震危険に対する意識等 ·········································13（１）大地震発生の可能性 ··········································13（２）地震による被害発生の可能性 ··································16（３）地震危険に対する備え ········································22（４）被災経験の有無と被害の内容 ··································24（５）住居建物を購入する場合に優先する立地条件 ···················· 25
４．地震保険加入者への質問 ·········································27（１）地震保険に加入した理由 ······································27（２）今後の地震保険の継続意思 ····································29（３）地震保険料の割引の適用状況 ··································30
５．地震保険非加入者への質問 ·······································32（１）地震保険の認知度 ············································ 32（２）地震保険への加入検討の有無 ··································34（３）地震保険に加入していない理由 ································ 36

６．地震保険制度・地震保険料に対する意識 ··························· 40（１）制度内容等の認知度 ··········································40（２）地震保険料の印象 ············································ 44（３）地震保険料が高いと感じる理由 ································ 46（４）地震保険料の構造区分に対する意識 ···························· 48（５）地震保険料の地域区分に対する意識 ···························· 52（６）地震保険料の割引率の差に対する意識 ·························· 55
７．共同住宅の共用部分の地震保険加入状況 ··························· 57
８．住居建物の属性 ················································· 60（１）建て方 ······················································ 60（２）取得方法 ···················································· 61（３）建物の種類（用途） ··········································63（４）構造 ························································ 67（５）建築時期 ···················································· 72（６）延べ床面積 ·················································· 73（７）階数 ························································ 74（８）屋根の種類 ·················································· 78（９）基礎の種類 ·················································· 79（10）エレベーターの有無 ··········································81（11）免震装置、制震（制振）装置の有無 ···························· 83（12）耐震診断 ···················································· 85（13）耐震改修工事・耐震補強工事 ··································89（14）増築工事・改築工事 ··········································97（15）住居建物の建築・選定時の耐震性の考慮 ························ 99
第Ⅲ章 まとめ ····················································· 101
参 考 文 献 ························································ 104
付録１ スクリーニング調査 調査票 ··································105
付録２ 本調査 調査票 ·············································· 114