## 4 Discussion  
The pressure on land related to economic activities in the intra-urban areas of the localities developed along the Turcu valley has increased considerably over the last three to four decades, in the absence of administrative restrictions. The flood risk for land and related real estate infrastructure located in the intra-urban or extra-urban areas of the localities crossed by the Turcu River, mapped in the 1% floodplain, can be perceived by understanding the concept of the vulnerability of the identified real estate categories. They could come into contact with the erosive force of the liquid and solid flow or with the impact force generated by the projected objects. The mentioned forces are conditioned by the morphology of the drainage bed, the arrangement of the obstacles built on the flow direction, the size of the flow, the depth (Figures 6-8) and the velocity generated by the overflowing stream during flooding (the velocity of water movement in the floodplain area has been calculated but not used in the present analysis). The total amount of potential financial loss (minimum values) for the land and related real estate infrastructure, mapped in the 1% flood belt area of the Turcu River, is the sum of the values obtained for the calculation of the potential financial loss in the areas of the three risk classes: 61,057,619.49 lei (value of the high-risk class + value of the medium-risk class) + 10,180,798.07 lei (value of the low-risk class) = 71,238,417.56 lei, equivalent \begin{table}
\begin{tabular}{c c c c c c} \hline \hline  & \multicolumn{4}{c}{**Potential Financial Loss from Flooding on the Turcu River for Road Segments**} \\  & \multicolumn{4}{c}{**Intersected by 1\% Floodplain and Water Depth \textgreater{} 0.5 m**} \\ \hline
**1** & **2** & **3** & **4** & **5** & **6** \\ \hline \multirow{4}{*}{
\begin{tabular}{c} **Type and** \\ **the Callsign** \\ **(m)** \\ \end{tabular} } & **Width** & **Length of Road** & **Road Surface** & & **Loss** \\  & **Platform** & **Potentially** & **Potentially** & **Cost of Rehabilitation** & **Financial** \\  & **= pc + a** & **Affected** & **Affected (m\({}^{2}\))** & **Words (lei/km)** & **Potential** \\  & **(m)** & **(km)** & **(2 \(\times\) 3)** & & **(RON and EURO)** \\ \hline NED 73 & 8.3 + 2.2 = 10.5 & 0.42571 & 4469.955 & 2,722,974.1 + 40\% ** & 1,622,876.22 R \\ DN 73F 2 & 7 + 2 = 9 & 3.44538 & 31,008.42 & 2,722,974.1 + 20\% ** & 11,258,016.6 R \\ DN 73F 1 & 6.5 + 2 = 8.5 & 0.27437 & 2332.145 & 2,722,974.1 + 10\% * & 821,812.64 R \\ DJ 112H & 6 + 2 = 8 & 0.23005 & 1840.4 & 2,722,974.1 * & 626,420.19 R \\ DC 53 & 4.35 + 2.15 = 6.5 & 1.23543 & 8030.295 & 2,722,974.1-30\% ** & 2,354,830.72 R \\ \hline \multirow{4}{*}{Total} & \multirow{4}{*}{5.61094} & \multirow{4}{*}{47,681.215} & \multirow{4}{*}{-} & \multirow{4}{*}{16,683,956.37 R =} \\  & & & & & 3,402,666.90 E \\ \hline \hline \end{tabular}
\end{table} 
Table 5: Assessment of potential financial loss to flooding on the Turcu River for in-stream road segments with 1% floodplain and water depth \textgreater{} 0.5 m.  
to 14,528,964.26 euro. The financial value obtained was reduced by the value attributed to the household anneves (1,864,554.86 lei) which are not insured by the compulsory natural disaster policy (PAD) [68]. The resulting amount is set aside as a reserve fund in the state and/or local budgets to compensate owners insured by the PAD. Therefore, the total amount of potential financial loss (71,238,417.56 lei)--the amount of potential financial loss attributed to household anneves (1,864,554.86 lei) = the PAD insurance fund, (69,373,862.7 lei, equivalent to 14,148,691.2 euro). The fund can be constituted as a financial reserve in the state budget and/or local budgets for the compensation of owners insured by PAD for flood damage. Insurance against natural disasters is mandatory in Romania, according to Law 260/2008 [69; 70]. However, compulsory insurance only covers partial compensation, decided by the insurer after analysis by the damage assessment committee.