Among	 many	 communities	 in	 the	 EU	 and	 beyond,	 disasters	 pose	 significant	 concerns	 and	
challenges.	With	growing	population	and	infrastructures,	the	world’s	exposure	to	disaster	related	
hazards	 is	 increasing.	 In	 addition	 to	 loss	 of	 life,	 disasters	 greatly	 hamper	 the	 social-economic	
capacity	of	the	member	countries	and	also	of	the	union	as	a	whole.	Swiss	Re’s	latest	sigma	report	
(2014)	highlights	the	308	disaster	events	in	2013,	of	which	150	were	natural	catastrophes	and	158	
man-made.	Almost	26,000	people	lost	their	lives	or	went	missing	in	the	disasters.	Europe	suffered	
the	two	most	expensive	natural	disasters	in	insurance	terms.	The	first	was	the	massive	flooding	in	
Central	and	Eastern	Europe	in	May	and	June,	after	four	days	of	heavy	rain	that	caused	large-scale	
damage	 across	 Germany,	 the	 Czech	 Republic,	 Hungary	 and	 Poland.	 It	 led	 to	 $4.1	 billion	 in	 paid	
claims	 on	 $16.5	 billion	 in	 economic	 losses.	 The	 second	 was	 the	 hailstorm	 that	 hit	 Germany	 and	
France	in	late	 July,	causing	$3.8	billion	in	insurance	payments	on	$4.8 billion	in	economic	losses.	
Most	 of	 those	 claims	 came	 from	 heavily	 populated	 areas	 of	 Germany.	 Altogether,	 Europe	 had	
economic	losses	worth	$33	billion	for	$15	billion	in	insurance	payouts. For	the	first	time	in	history	
the	world	has	experienced	 three	consecutive	years	where	annual	economic	losses	have	exceeded	
$100	billion
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