Quantitative assessment of building risks and loss ratios caused by storm surge disasters: A case study of Xiamen, China

China is severely affected by storm surge disasters, which result in substantial economic losses and casualties in coastal regions. Assessing the risk of storm surge disasters can provide valuable insights into the expected losses and severity of future impacts, offering critical foresight for disaster prevention and mitigation strategies. This study assesses the quantitative risk of storm surge disasters, focusing on coastal buildings since they are particularly susceptible to storm surges and frequently bear the brunt such disasters. Xiamen city, China, was used as case study. A high-precision numerical model, using Finite Volume Community Ocean Model (FVCOM), was developed to simulate inundation during storm surges. By referencing historical storm surge records, we defined key parameters for probable maximum typhoon-induced storm surge (PMTSS) in Xiamen. These parameters were used to calculate the corresponding inundation range and water depth distribution within the region. Subsequently, the results were integrated with vulnerability curves that represent the susceptibility of buildings in Xiamen to storm surge-induced damage, enabling the quantitative risk assessment for associated loss risks. The study findings offer valuable guidance for urban planning and functional layout design in coastal areas. Furthermore, the findings contribute to understanding storm surge disaster risks and facilitating informed decision-making processes, ultimately enhancing disaster preparedness and resilience in vulnerable coastal regions.