Byggbar mark – hur utvalda aktörer värderar översvämningsrisk
Climate change is expected to increase the frequency of fluvial, pluvial, and coastal flooding which must be considered in spatial planning. More frequent floods will also affect financial stability by increasing the exposure of risk for insurance companies and creditors. This study investigates how selected stakeholders assess flood risk when planning for new development and protecting existing real estate. The study was per- formed through a literature review and semi-structured interviews with municipalities, county administrative boards, insurance companies, real creditors, authorities and interbranch organizations. When planning for new development, there are good possibilities to consider flood risk and the costs for protective measures can be shared with the developer. However, there are limitations in current legislation regarding the establishment of future protective measures. For protection of existing real estate, several stakeholders demand that the municipalities take greater responsibility. The municipalities have, however, no legal obligation for existing real estate and are hindered by the principle of equality in legislation, limited land authority and financing. Despite the increasing flood risks, the insurance companies’ strategy is to keep offering insurance, but the insurance coverage may need to be limited in the future. This study emphasizes that climate adaptation is a complex matter and that current legislation hinders the implementation of protection measures.