“…Additionally, these companies are reluctant to provide their databases, and some of them are not even available due to confidentiality restrictions (André et al 2013, CNT 2014. For this reason, there are still few studies that relate flooding and insurance (Merz et al 2004, Thieken et al 2006, André et al 2013, Zhou et al 2013, Spekkers et al 2013a, 2013b, Moncoulon et al 2014, Paudel et al 2015, Torgersen et al 2015, Bernet et al 2017, Grahn and Nyberg 2017, Sörensen and Mobini 2017, Cortès et al 2018).…”