可能最大损失(PML)
定义
保险投资组合或财产可能从单次地震事件经历的最大损失的估计。保险公司和再保险公司的关键指标。
示例
该建筑的PML被评估为25%,意味着大地震可能造成25%的价值损失。
相关术语
相关指南
你需要地震保险吗?完整指南
Homeowners insurance doesn't cover earthquakes. Learn who needs earthquake insurance, what it costs, and how to decide if it's worth the premium.
地震保险如何工作:保费、免赔额和保障范围
Earthquake insurance has unique deductibles (10-25% of home value) and coverage terms. Understand premiums, exclusions, and what's actually covered.
加州地震局(CEA)解释
The CEA is the largest residential earthquake insurance provider in the US. Learn about its policies, deductible options, and retrofit discounts.
商业主的商业地震保险
Business earthquake insurance covers property damage, business interruption, and liability. Learn what commercial policies include and cost.
巨灾债券:华尔街如何处理地震风险
Catastrophe bonds transfer earthquake risk to capital markets. Learn how cat bonds work and their role in funding disaster recovery.
没有地震保险的真实成本
Without earthquake insurance, homeowners face financial ruin. Calculate the real cost of going uninsured in a seismically active area.
地震模拟软件:工程工具
Engineers use earthquake simulation software to test building designs before construction. Learn about the tools that make buildings safer.
常见问题解答
震中是地表上位于震源(地震破裂开始处)正上方的点。通常以经纬度坐标报告。最强的震动通常发生在震中附近,但当地土壤条件和断层几何形态可能使最大损害区域发生偏移。
地震仪(地震计)是检测和记录地震波引起的地面运动的仪器。现代宽频带地震仪可以检测到比原子宽度还小的运动。全球地震仪网络使科学家能够在几分钟内确定地震的位置和震级。
P波(纵波)是通过岩石传播最快的压缩波,最先到达地震台站。S波(横波)到达较晚但引起更大的地面震动。P波可以通过固体、液体和气体传播;S波只能通过固体传播。两者之间的时间差有助于确定地震的距离。
震源是地球内部地震破裂开始的点。它由经度、纬度和深度来描述。震源与其正上方地表之间的垂直距离即为地震深度,这对地表感受到的震动强度有很大影响。
地震学是研究地震和地震波在地球内部传播的科学学科。它包括地震检测、定位和特征描述、地球内部结构、地震危险性评估和地震工程。地震学家利用全球地震仪网络的数据来研究这些现象。