# Typhoon Loss Assessment in Rural Housing in Ningbo Based on Township-Level Resolution
## 4 Results
### Typhoon Loss Statistics in Rural Housing in Ningbo
in the insurance claims data, \"fire\", \"rainstorm\", \"accident\", and other factors accounted for the majority of the insurance records, while typhoons only accounted for a small percentage of the insurance records. Therefore, the overall value of the insured loss rate caused by typhoons is small. Second, it is also common that the cause of insurance was not clearly marked, and the insurance estimator only marked \"typhoon\" when marking the cause of insurance, while other secondary disasters such as landslides, floods, and mudslides caused by typhoons were not recorded, resulting in some claims records not corresponding to the specific typhoon causal factors, and therefore, the total payout amount will be omitted in the statistics. The overall average insured loss rate was 0.00106%. In order to more visually analyze the impact of typhoon disasters on rural housing in each township in Ningbo, Figure 10 shows the zoning map of the total insured loss rate of rural housing in each township due to typhoons from 2014 to 2019. Combined with Table 2, it can be seen that Ningbo Xiangshan County, which is a place where typhoons have landed many times historically, had the largest insured loss rate amongst the Ningbo \begin{table}
\begin{tabular}{c c c c} \hline \hline
**District and County** & **6-Year Total Payout (\(\mathbf{\eta}\))** & **6-Year Total Coverage (\(\mathbf{\eta}\))** & **Insured Loss Rate** & **The Township with the Largest** \\ \hline Beilun & 188,000 & 113,336,218,951 & 0.00166\% & Meishan Township (0.007252\%) \\ Cixi & 309,000 & 60,500,740,600 & 0.00051\% & KuangYan Township (0.01439\%) \\ Fenghua & 152,600 & 23,526,372,972 & 0.00065\% & Shanghai Township (0.001381\%) \\ Hashu & 183,600 & 21,288,278,900 & 0.00086\% & Hengie Township (0.00474\%) \\ Jiangbei & 48,000 & 5,547,407,313 & 0.0008\% & Hengengie Street (0.00141\%) \\ Ninghai & 382,049 & 25,547,294,50 & 0.00150\% & Calyuan Township (0.003258\%) \\ Xiangshan & 393,900 & 20,265,580,500 & 0.00194\% & Mayoang Township (0.00984\%) \\ Yinzhou & 145,950 & 26,797,96,800 & 0.00054\% & Jungi Township (0.001853\%) \\ Yuyao & 543,400 & 37,188,688,850 & 0.00146\% & Luting Township (0.009502\%) \\ Zhenhai & 53,035 & 7,841,041,500 & 0.0008\% & Luoto Street (0.001003\%) \\ \multicolumn{3}{c}{Average insured loss rate} & 0.00106\% \\ \hline \hline \end{tabular}
\end{table} 
Table 2: Summary of insurance claims for rural housing in the Ningbo districts and counties caused by typhoons. Figure 8: Insured loss rate of townships due to type III typhoons. (**a**) 1616 Malakas; (**b**) 1618 Chaba; (**c**) 1718 Talim. Figure 7: Insured loss rate of townships due to type II typhoons. (**a**) 1410 Matmo; (**b**) 1614 Meranti; (**c**) 1808 Maria. districts and counties, and the insured loss rate of Maoyang Township within Xiangshan County was close to 0.01%. In addition, the insured loss rate of Beilun, Ninghai, and Yuyao counties was higher than the average value in Ningbo, with the largest loss rate of Meishan Township in Beilun, Chayuan Township in Ninghai, and Luting Township in Yuyao being 0.007252%, 0.003258%, and 0.009502%, respectively. The rural houses in these townships are mainly of a brick (stone) mixed structure, and such structural systems find it difficult to resist the strong wind and rain impact brought by typhoons. Therefore, the insured loss rate in these areas is larger, and rural houses have a greater risk of damage.