Earthquake Risk, Loss Assessment and Insurance Options —A Case Study of Airport Terminals
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摘要: 从机场航站楼系统在地震作用下的结构响应和破坏特征入手，介绍了HAZUS灾害评估与直接经济损失的框架和理论模型；以某机场航站楼遭受地震烈度为8的地震为例，定量计算地震的潜在损伤概率，再根据损伤概率计算其直接经济损失，并给出财产损失保险建议，研究结果表明，当航站楼处于烈度为8的地震风险时，该建筑的各个系统处于不同的损伤概率，其中处于轻微损伤的系统较多，其概率高达33%，直接经济损失约为1531.404 万元；最后对其进行保险方案探究。该研究可以为机场航站楼防灾备灾的风险决策提供参考依据。Abstract: Based on the structural response and damage characteristics of airport terminal system under earthquake, the framework and theoretical model of HAZUS disaster assessment and direct economic loss are introduced. Taking an airport terminal subjected to an earthquake with earthquake intensity of 8 as an example, the potential damage probability of the earthquake is quantitatively calculated, and the direct economic losses are calculated according to the damage probability, and the property damage insurance advices are given. The results show that when the terminal is at the risk of the intensity of 8, each system of the building is in different damage probability, among which there are more systems in slight damage, the probability is as high as 33%, and the direct economic loss is about 15.3404 million Yuan. Finally, the insurance scheme is explored. This study can provide a reference for the risk decision of disaster prevention and preparedness of airport terminal buildings.
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表 1 基准费率表
% 钢混结构 砖混结构 其他 低危地区 0.05～0.10 0.10～0.20 0.20～0.30 中危地区 0.10～0.20 0.20～0.30 0.30～0.40 高危地区 0.20～0.30 0.30～0.40 0.40～0.50 
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表 2 机场航站楼脆弱性曲线Sa，ds及βds
类型 破坏程度 中位值 标准差 航站楼（PGA） 轻微 0.14 0.64 中等 0.26 0.64 严重 0.62 0.64 完全 1.43 0.64
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表 3 航站楼损伤率DRi取值
损伤状态 最佳估计损伤率 损伤率浮动范围 轻微 0.10 0.01～0.15 中等 0.40 0.15～0.4 严重 0.80 0.4～0.8 完全损坏 1.00 0.8～1.0
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