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https://www.researchgate.net/figure/The-Munich-Re-risk-model-MRHazard-Data-on-hazard-exposed-values-and-vulnerability-are_fig4_6940488

https://www.nature.org/content/dam/tnc/nature/en/documents/ImprovingFloodResilienceThroughInsuranceandNatureBasedMitigation_21NOV01.pdf