Page 41 - Insurance Times June 2021

Storm Surge
Very High Hazard Zone 1
The above location falls under Very High Risk Zone 1 (VHRZ)
of the Storm Surge and the above location may experience
storm surge waves with a height of 10 to 13 meters above
the normal sea tide level. The height of the storm surge may
increase by the height of normal sea tide at the time of
cyclone hitting the land above the sea water storm surge
of 10 to 13 meters.

History of weather disturbances that hit

the location made of metal/ACC sheets/tiles/gable ends would be
The weather disturbances recorded by the Indian total loss.
Meteorological Department (IMD) that hit West Bengal Y RCC structures with RCC roof may suffer damages but
zone since the year 1891 to 2019 are as follows : may not collapse.

Weather Disturbance Number of Events Y Well engineered structures with roofing systems made
Depressions / Deep Depressions 110 of metal/ACC sheets/tiles/gable ends may suffer partial
damages.
Cyclonic Storms 22
Y Well engineered RCC structures with RCC roof may
Severe Cyclonic Storms 20
withstand the forces of wind.
Very Severe Cyclonic Storms 4
Y Non-symmetrical/fancy architectural structures may
Extreme Severe Cyclonic Storms 0
suffer heavy damages.
Super Cyclonic Storms 0
Y Top heavy structures such as water tanks supported on
single column, chimneys may collapse.
Probability and intensity of cyclone
hitting the location Note - However in all the above structures, rolling shutters/
doors/windows/glass parts/external walls of glass in modern
In the next 10 years the cyclones of following intensities may commercial buildings would get heavily damaged by wind
hit the above West Bengal location :
forces/gale winds/flying debris and also facilities installed in
Cyclone Intensity (IMD) Sign Wind Speed No. of the open or on roof such as solar heating/power systems/
(km/hr) Cyclones Towers etc. may get totally damaged and may have to be
Severe Cyclonic Storm SCS 88 to 117 1 replaced by new ones after the cyclone.
(SCS)
Building under Construction/Plants under
Very Severe Cyclonic VSCS 118 to 166 1
Storm (VSCS) Erection:
Extremely Severe ESCS 167 to 221 0 Y Building under construction/Plants under erection are
Cyclonic Storm (ESCS) yet not completed and hence do not have the full
strength and therefore may suffer heavy damages.
Super Severe Cyclonic SuCS 222 & Above 0
Storm (SuCS) Y Cranes which may collapse and other equipments on
site may suffer heavy damages.
Note: Super and Extremely Severe Cyclonic Storms are rare
events and cannot be predicted accurately.
Disruption of services:
Vulnerability There will be disruption of electrical, telecommunication,
Wind and Flood Damages rail, road, water services due to heavy damages by wind
forces. There may not be any local support available for
Structures that are completed and occupied : repairs/reconstruction services in this difficult times. It may
Y All non-engineered structures with roofing systems take a month or so to come back to normalcy, if not more.

The Insurance Times, June 2021 41