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October 8, 2025Journal of Multidisciplinary Applied Natural ScienceOpen Access

Probability of Earthquake Events and Building Damage Ratios: A Framework for Estimating Earthquake Insurance Premiums in Lampung, Indonesia

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Authors

TMTri Hadiah MuliawatiFLFuji LestariDHDanni Gathot Harbowo

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Overview

The analysis reveals building damage ratios predict earthquake insurance premiums in Lampung, indicating risk in high seismic activity areas.

Key Points

  • Larger peak ground acceleration (PGA) correlates with smaller seismic hazard intensity (SHI), influencing premiums.
  • Higher building damage ratios occur with increased severe damage, affecting residential insurance costs significantly.
  • This analysis informs the calculation of earthquake insurance premiums to mitigate risks in earthquake-prone regions.
  • Periodic earthquake activity patterns over three decades were examined, highlighting significant disaster risk trends.

Cite This Study

Muliawati et al. (2025) studied this question.

synapsesocial.com/papers/68e5c1be6950a706b22b596bhttps://doi.org/10.47352/jmans.2774-3047.312
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