{"content_id":"n3rxtmkalz","slug":"japan-fire-insurance-flood-coverage-guide","locale":"en","schema_type":"Article","category":"how_to","category_name":"How-to","title":"Japanese Fire Insurance Flood Coverage Criteria: How to Read Inundation Depths, Loss Ratios, and Hazard Maps","summary":"Depending on the policy, flood coverage under Japanese fire insurance uses conditions such as inundation depth measured from ground level, whether flooding rose above floor level, and the percentage of damage to the building or household contents. Hazard maps and insurance policies must be read together to accurately determine coverage differences among river flooding, inland flooding, and rainwater leaks, as well as the coverage renters need.","author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["Japanese fire insurance combines coverage for various risks, including fire, wind damage, flood damage, and water leakage, but flood coverage is not automatically included in every policy.","More than 45 cm of inundation measured from ground level, flooding above floor level, and a loss ratio of at least 30% are distinct criteria commonly used as conditions for flood coverage, and the actual policy terms take precedence.","The projected inundation depth on a hazard map indicates future risk and is not a criterion that directly determines whether an insurance claim for an actual incident will be paid.","Renters must separately check flood coverage for their own household contents, rather than the building, as well as tenant liability and repair expense coverage.","The mere fact that rainwater entered does not automatically make it flood damage; depending on the cause of entry, it may be classified as wind damage, flood damage, water leakage, or an exclusion."],"content_markdown":"Despite its name, fire insurance in Japan does not provide coverage solely for fire. Depending on the policy, coverage for lightning, rupture or explosion, wind, hail, snow, water damage, and water leakage caused by accidents involving water supply and drainage systems may be selected individually or bundled together. Therefore, if you are concerned about flooding or torrential rain, rather than merely confirming that you “have fire insurance,” you should check whether water damage coverage is included in the policy and what payment conditions and deductibles apply.\n\nIn online consultations in Japan, questions repeatedly arise about whether tenants need water damage coverage, the 45 cm above-ground-level threshold, and whether coverage can be excluded in areas shown as low risk on hazard maps. Such questions can inform decisions about obtaining coverage, but individual answers do not replace the policy terms or the insurer’s determination.\n\n## How Fire, Wind, and Water Damage Are Distinguished\n\nEven when damage occurs during the same typhoon or torrential rain event, the applicable coverage may differ depending on how the water entered and the direct cause.\n\n| Damage scenario | Coverage generally considered | Points to check |\n|---|---|---|\n| A home is flooded due to a river overflowing | Water damage | Whether water damage coverage is included, floodwater height, damage ratio, and deductible |\n| Road water enters a building because heavy rain exceeds drainage capacity | Water damage | Check whether pluvial flooding is included in the definition of water damage |\n| Rainwater enters after a storm damages the roof or windows | Wind damage and resulting loss | The causal relationship between the initial exterior damage and the entry of rain is important |\n| Rain seeps through deteriorated gaps in an undamaged roof or exterior wall | Likely to be excluded | Deterioration, defective construction, and inadequate maintenance may generally be excluded from coverage |\n| A water supply or drainage pipe is accidentally damaged, soaking the interior | Water leakage caused by an accident involving water supply or drainage systems | The cost of repairing the pipe itself and damage to soaked property may be handled differently |\n| A landslide damages the building or household contents | Many products classify this as water damage | Check the policy definitions of earth collapse and landslides |\n| Flooding caused by a storm surge or earthquake | May be excluded from standard fire insurance | Check the scope of earthquake insurance and whether a tsunami was the cause |\n\nInsurers look first at the direct cause of an accident rather than its ultimate result. For example, even if rainwater enters the interior, the determination may differ among water damage, wind damage, water leakage, or exclusion depending on whether the cause was a river overflow, drainage backup, roof damage caused by strong winds, or a deteriorated waterproofing layer.\n\n## Understanding Floodwater Height and Damage Ratio Criteria\n\nThe following conditions are frequently used in water damage provisions under Japanese fire insurance policies:\n\n- Damage to the insured property amounting to at least a specified percentage of its insured value\n- Flooding above floor level\n- Flooding exceeding a specified height above ground level\n\nCommon wording includes “damage amounting to at least 30% of the insured value” and “flooding above floor level or more than 45 cm above ground level.” However, not all products use the same conditions or payment methods. Some products compensate based on the actual amount of damage, some policies apply fixed amounts or reduced payment percentages according to specified conditions, and others have separate deductibles. You should therefore not reach a conclusion based solely on these figures.\n\n### What Does Ground Level Mean?\n\nGround level generally refers to the surface of the surrounding ground in contact with the building. It is not the same as the interior floor level. Depending on the height of the building’s foundation, differences in elevation at the entrance, and the structure of semi-basement or basement floors, the flood depth measured from ground level may differ from the depth of flooding inside the building.\n\nBecause traces may disappear as the water recedes after an incident, it is useful to gather the following evidence:\n\n1. Photograph watermarks on the building’s exterior and interior walls with a ruler in the frame.\n2. Photograph the entire building, road, entrance, each room, and damaged household contents from multiple angles.\n3. Make notes about how the water entered and the water level at the time.\n4. Before disposal, record the manufacturer, model name, purchase date, and photographs of damaged items.\n5. Check whether the local government can issue a disaster victim certificate or other damage-related documentation.\n6. Except for urgent safety measures, do not rush into major demolition or repairs before obtaining confirmation from the insurer.\n\n### Check the Damage Ratio, Not the Loss Ratio\n\nThe term “loss ratio” used by consumers can easily be confused with two different concepts. In the insurance industry, the loss ratio is a management indicator showing insurance claim payments relative to premiums. In contrast, what matters for water damage payment conditions under an individual policy is the damage ratio, or percentage of damage, showing the amount of loss relative to the insured value of the insured property.\n\nConceptually, it can be understood as follows:\n\n`Damage ratio = Amount of damage recognized under the policy terms ÷ Insured value × 100`\n\nHowever, the extent to which the value of salvage, demolition and debris removal costs, temporary repair costs, and replacement-cost or market-value standards are included varies by policy. Even if both the building and household contents are insured, each may be assessed as a separate insured property.\n\n### 30% and 45 cm Do Not Indicate the Amount of Insurance Payment\n\n“At least 30%” is generally a threshold for determining eligibility for payment; it does not mean that 30% of the insured amount will automatically be paid. Likewise, “more than 45 cm” is not a figure that guarantees automatic payment based solely on the expected flood depth or watermarks. The amount of compensation is calculated by applying the actual amount of damage, insured amount, coverage limits, payment method, deductible, and exclusions.\n\n## Differences Between Below-Floor Flooding, Above-Floor Flooding, and Rainwater Leakage\n\n### Below-Floor Flooding\n\nA condition in which water has not risen to the wooden flooring or interior floor level is generally called below-floor flooding. However, this does not mean it is always excluded from coverage. Compensation may be available if the policy separately establishes a height threshold measured from ground level or a damage ratio condition and that condition is met.\n\nConversely, if the conditions are not met, water damage insurance payments may not be made even if the foundation, below-floor equipment, insulation, or other components have actually been damaged. Whether contamination, moisture, or mold below the floor was directly caused by the incident or the work was merely preventive cleaning may also be investigated.\n\n### Above-Floor Flooding\n\nThis refers to water entering above the residential floor surface. Because tatami, flooring, wallpaper, furniture, and appliances are likely to be damaged together, it is frequently used as one of the payment conditions for water damage. However, whether an earthen entrance floor, garage, storage area, or underground space is recognized as a “floor” or residential area under the policy may vary according to the building structure and definition provisions.\n\n### Rainwater Leakage\n\nDetermining the cause is crucial in cases of rainwater leakage. If rain enters immediately after strong winds blow off the roof or break a window, the damage may be considered consequential loss resulting from wind damage. Water that seeps through deteriorated sealant, cracks, or defective waterproofing without external damage may be regarded as deterioration or a maintenance issue rather than an accidental incident and may therefore be excluded.\n\n“Water damage” must also be distinguished from “water wetting” or water leakage coverage. In Japanese insurance, water leakage coverage often refers to water damage originating from equipment, such as plumbing on an upper floor or an accident involving water supply or drainage systems. It is not a term that includes all flooding caused by natural disasters.\n\n## Using Hazard Maps to Assess the Need for Water Damage Coverage\n\nThe Hazard Map Portal operated by Japan’s Ministry of Land, Infrastructure, Transport and Tourism and the Geospatial Information Authority of Japan allows users to overlay information on river flooding, pluvial flooding, storm surges, landslides, and other hazards around an address. When evaluating water damage coverage, do not rely on only one map; review multiple layers representing different causes.\n\n| Map or information | Main risks shown | Points to note when interpreting |\n|---|---|---|\n| Projected flood inundation zones | Projected inundation area and depth if a river overflows | Check the rivers covered and the assumed rainfall scale |\n| Pluvial flood map | Flooding caused by rainfall exceeding sewer and drainage capacity | Not all local governments provide it using the same methods or coverage |\n| Projected storm-surge inundation | Risk of sea-level rise caused by storms and other events | Its cause and insurance classification differ from those of earthquake tsunami maps |\n| Landslide hazard zones | Risk of steep-slope collapse, debris flows, and other events | Water damage coverage may need to be considered even when no inundation depth is shown |\n| Topography and elevation information | Low-lying areas, former river channels, and elevation differences in surrounding areas | Does not directly indicate statutory hazard zones or insurance payment conditions |\n\n### No Color on the Map Does Not Mean Zero Risk\n\nHazard maps are created based on specific rainfall scenarios, calculation models, topographic data, and designated rivers. They may not fully reflect overflows from small waterways, localized drainage failures, differences in elevation at building entrances, or routes through which water may enter underground spaces. You should also check whether the topography or drainage facilities may have changed since the map was published.\n\nThe projected inundation depth on a map also does not directly correspond to the actual floodwater height threshold in an insurance policy. A map provides estimates for future scenarios, while insurers make determinations after investigating the actual incident and damage. For example, even if a map shows 0.5 m, that alone does not establish that the policy threshold of more than 45 cm above ground level has been met.\n\n### Also Consider the Floor Level and Evacuation Options\n\nHouseholds on upper floors of high-rise apartment buildings may be less likely to experience direct interior flooding. However, if basement electrical equipment, elevators, water supply pumps, mechanical parking systems, or common areas are flooded, daily life may be disrupted for an extended period. Because an individual household contents policy does not cover restoration costs for common areas or all indirect living expenses, distinguish between the homeowners’ association’s insurance and temporary expense coverage under the individual policy.\n\n### Water Damage Risk Classes and Hazard Maps Are Not the Same Data\n\nFor residential fire insurance in Japan, particularly for policies issued or renewed on or after October 2024, the advisory rate system may reflect a classification that divides the water damage risk of the property’s location into several classes. A classification from Class 1 through Class 5 is commonly used, although adoption and actual premiums may differ by insurer.\n\nThese classes are not the same as hazard maps showing the projected inundation depth of individual parcels. Even within the same risk class, actual risk may vary depending on distance from a river, elevation, and building structure. It is therefore safer not to exclude coverage based solely on the premium risk class.\n\n## Insurance and Scope of Liability to Check for Rental Housing\n\nThe principal insured property under fire insurance purchased by a tenant is usually the tenant’s household contents. The building itself is generally insured by its owner, the landlord. Therefore, if a tenant’s refrigerator, bed, or clothing is damaged by flooding, the landlord’s building insurance does not automatically compensate for that damage.\n\nTenants should check the following items separately:\n\n- **Water damage coverage for household contents:** Check whether damage to tenant-owned property caused by river flooding, pluvial flooding, or similar events is covered.\n- **Tenant liability coverage:** This applies when the tenant is legally liable for damage to the rented building. It does not provide substitute coverage for damage to household contents caused by a natural disaster.\n- **Personal liability coverage:** This covers damage caused to others during daily life and is separate from damage to the tenant’s own household contents.\n- **Repair expense coverage:** Even in the absence of legal liability, this may cover certain repair expenses borne by the tenant under the lease agreement. The scope varies by product.\n- **Temporary expenses and salvage disposal expenses:** Check the extent to which temporary accommodation or disposal costs after flooding are included.\n\nA natural disaster does not automatically make the tenant liable for damages. Conversely, the landlord’s possession of building insurance does not mean that the tenant’s household contents are covered. Liability is determined based on the cause of the incident, the landlord’s maintenance of the property, the tenant’s negligence, and the terms of the lease agreement.\n\n## Order for Reviewing the Policy Before Renewal\n\n1. **Distinguish the insured property.** Check whether the building, household contents, or both are insured.\n2. **Find whether water damage coverage is included.** Check items related to “water damage,” “flood damage,” or “flooding,” as well as any indication that they are excluded.\n3. **Read the definition of water damage.** Check the extent to which river flooding, pluvial flooding, storm surges, and earth collapse are included.\n4. **Check the payment conditions.** Determine whether flooding above floor level, flooding more than 45 cm above ground level, or a damage ratio threshold applies.\n5. **Check the compensation method.** Determine whether actual losses are compensated or whether payment percentages or limits apply according to specific conditions.\n6. **Compare deductibles.** Review the deductible per incident and any separate deductible applying only to water damage.\n7. **Review the insured value and insured amount.** Check whether the amount needed to repurchase household contents has been underestimated.\n8. **Consult multiple types of hazard maps.** Review not only river flooding but also pluvial flooding, storm surges, and landslide hazards.\n9. **Account for the building structure.** Check the floor level, underground spaces, entrance height, and elevation differences relative to surrounding roads.\n10. **Submit questions to the insurer or agent in writing.** Obtain and retain answers to ambiguous explanations together with the product name and relevant policy provisions.\n\nWhen excluding water damage coverage to reduce premiums, consider not only the current value of household contents but also whether you can personally bear restoration, disposal, and temporary accommodation costs. Low risk on a hazard map may support consideration of excluding coverage, but it does not mean there is no risk.\n\n## Points to Note When an Incident Occurs\n\n- Prioritize personal safety and evacuation over reporting the incident to the insurer.\n- Do not enter areas with risks of electric shock, contaminated water, or gas leaks.\n- Notify the insurer or agent of the incident as soon as possible.\n- Record the floodwater height, route of water entry, damaged items, and condition of the building with photographs and video.\n- If urgent drying or decontamination is necessary, retain before-and-after photographs and receipts.\n- If damaged items must be discarded immediately, first take photographs showing the entire item and its identifying information.\n- Understand that local government damage assessments and insurer loss assessments may have different purposes and standards.\n- If coverage is unclear, specifically request the policy’s definition of water damage, payment requirements, reasons for exclusion, and calculation details.\n\n## Key Takeaways\n\nWater damage compensation under Japanese fire insurance is not determined solely by whether flooding occurred. The insured property, cause of water entry, actual location and height of flooding, damage ratio, payment method under the policy, and deductible must all be checked.\n\nMore than 45 cm above ground level, flooding above floor level, and a damage ratio of at least 30% are widely known thresholds, but they are not a single statutory standard applied identically to every policy. Hazard maps are important resources for coverage decisions and evacuation planning, but they do not guarantee insurance payments. Tenants in particular should understand that building insurance, their own household contents insurance, and tenant liability coverage are separate forms of coverage.","content_html":"\u003cp\u003eDespite its name, fire insurance in Japan does not provide coverage solely for fire. Depending on the policy, coverage for lightning, rupture or explosion, wind, hail, snow, water damage, and water leakage caused by accidents involving water supply and drainage systems may be selected individually or bundled together. Therefore, if you are concerned about flooding or torrential rain, rather than merely confirming that you “have fire insurance,” you should check whether water damage coverage is included in the policy and what payment conditions and deductibles apply.\u003c/p\u003e\n\u003cp\u003eIn online consultations in Japan, questions repeatedly arise about whether tenants need water damage coverage, the 45 cm above-ground-level threshold, and whether coverage can be excluded in areas shown as low risk on hazard maps. Such questions can inform decisions about obtaining coverage, but individual answers do not replace the policy terms or the insurer’s determination.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-fire-wind-and-water-damage-are-distinguished\" class=\"anchor\" id=\"how-fire-wind-and-water-damage-are-distinguished\"\u003e\u003c/a\u003eHow Fire, Wind, and Water Damage Are Distinguished\u003c/h2\u003e\n\u003cp\u003eEven when damage occurs during the same typhoon or torrential rain event, the applicable coverage may differ depending on how the water entered and the direct cause.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eDamage scenario\u003c/th\u003e\n\u003cth\u003eCoverage generally considered\u003c/th\u003e\n\u003cth\u003ePoints to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eA home is flooded due to a river overflowing\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eWater damage\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eWhether water damage coverage is included, floodwater height, damage ratio, and deductible\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eRoad water enters a building because heavy rain exceeds drainage capacity\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eWater damage\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eCheck whether pluvial flooding is included in the definition of water damage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eRainwater enters after a storm damages the roof or windows\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eWind damage and resulting loss\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eThe causal relationship between the initial exterior damage and the entry of rain is important\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eRain seeps through deteriorated gaps in an undamaged roof or exterior wall\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eLikely to be excluded\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eDeterioration, defective construction, and inadequate maintenance may generally be excluded from coverage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eA water supply or drainage pipe is accidentally damaged, soaking the interior\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eWater leakage caused by an accident involving water supply or drainage systems\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eThe cost of repairing the pipe itself and damage to soaked property may be handled differently\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eA landslide damages the building or household contents\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eMany products classify this as water damage\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eCheck the policy definitions of earth collapse and landslides\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Damage scenario\"\u003eFlooding caused by a storm surge or earthquake\u003c/td\u003e\n\u003ctd data-label=\"Coverage generally considered\"\u003eMay be excluded from standard fire insurance\u003c/td\u003e\n\u003ctd data-label=\"Points to check\"\u003eCheck the scope of earthquake insurance and whether a tsunami was the cause\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eInsurers look first at the direct cause of an accident rather than its ultimate result. For example, even if rainwater enters the interior, the determination may differ among water damage, wind damage, water leakage, or exclusion depending on whether the cause was a river overflow, drainage backup, roof damage caused by strong winds, or a deteriorated waterproofing layer.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#understanding-floodwater-height-and-damage-ratio-criteria\" class=\"anchor\" id=\"understanding-floodwater-height-and-damage-ratio-criteria\"\u003e\u003c/a\u003eUnderstanding Floodwater Height and Damage Ratio Criteria\u003c/h2\u003e\n\u003cp\u003eThe following conditions are frequently used in water damage provisions under Japanese fire insurance policies:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eDamage to the insured property amounting to at least a specified percentage of its insured value\u003c/li\u003e\n\u003cli\u003eFlooding above floor level\u003c/li\u003e\n\u003cli\u003eFlooding exceeding a specified height above ground level\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eCommon wording includes “damage amounting to at least 30% of the insured value” and “flooding above floor level or more than 45 cm above ground level.” However, not all products use the same conditions or payment methods. Some products compensate based on the actual amount of damage, some policies apply fixed amounts or reduced payment percentages according to specified conditions, and others have separate deductibles. You should therefore not reach a conclusion based solely on these figures.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#what-does-ground-level-mean\" class=\"anchor\" id=\"what-does-ground-level-mean\"\u003e\u003c/a\u003eWhat Does Ground Level Mean?\u003c/h3\u003e\n\u003cp\u003eGround level generally refers to the surface of the surrounding ground in contact with the building. It is not the same as the interior floor level. Depending on the height of the building’s foundation, differences in elevation at the entrance, and the structure of semi-basement or basement floors, the flood depth measured from ground level may differ from the depth of flooding inside the building.\u003c/p\u003e\n\u003cp\u003eBecause traces may disappear as the water recedes after an incident, it is useful to gather the following evidence:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003ePhotograph watermarks on the building’s exterior and interior walls with a ruler in the frame.\u003c/li\u003e\n\u003cli\u003ePhotograph the entire building, road, entrance, each room, and damaged household contents from multiple angles.\u003c/li\u003e\n\u003cli\u003eMake notes about how the water entered and the water level at the time.\u003c/li\u003e\n\u003cli\u003eBefore disposal, record the manufacturer, model name, purchase date, and photographs of damaged items.\u003c/li\u003e\n\u003cli\u003eCheck whether the local government can issue a disaster victim certificate or other damage-related documentation.\u003c/li\u003e\n\u003cli\u003eExcept for urgent safety measures, do not rush into major demolition or repairs before obtaining confirmation from the insurer.\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch3\u003e\n\u003ca href=\"#check-the-damage-ratio-not-the-loss-ratio\" class=\"anchor\" id=\"check-the-damage-ratio-not-the-loss-ratio\"\u003e\u003c/a\u003eCheck the Damage Ratio, Not the Loss Ratio\u003c/h3\u003e\n\u003cp\u003eThe term “loss ratio” used by consumers can easily be confused with two different concepts. In the insurance industry, the loss ratio is a management indicator showing insurance claim payments relative to premiums. In contrast, what matters for water damage payment conditions under an individual policy is the damage ratio, or percentage of damage, showing the amount of loss relative to the insured value of the insured property.\u003c/p\u003e\n\u003cp\u003eConceptually, it can be understood as follows:\u003c/p\u003e\n\u003cp\u003e\u003ccode\u003eDamage ratio = Amount of damage recognized under the policy terms ÷ Insured value × 100\u003c/code\u003e\u003c/p\u003e\n\u003cp\u003eHowever, the extent to which the value of salvage, demolition and debris removal costs, temporary repair costs, and replacement-cost or market-value standards are included varies by policy. Even if both the building and household contents are insured, each may be assessed as a separate insured property.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#30-and-45-cm-do-not-indicate-the-amount-of-insurance-payment\" class=\"anchor\" id=\"30-and-45-cm-do-not-indicate-the-amount-of-insurance-payment\"\u003e\u003c/a\u003e30% and 45 cm Do Not Indicate the Amount of Insurance Payment\u003c/h3\u003e\n\u003cp\u003e“At least 30%” is generally a threshold for determining eligibility for payment; it does not mean that 30% of the insured amount will automatically be paid. Likewise, “more than 45 cm” is not a figure that guarantees automatic payment based solely on the expected flood depth or watermarks. The amount of compensation is calculated by applying the actual amount of damage, insured amount, coverage limits, payment method, deductible, and exclusions.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#differences-between-below-floor-flooding-above-floor-flooding-and-rainwater-leakage\" class=\"anchor\" id=\"differences-between-below-floor-flooding-above-floor-flooding-and-rainwater-leakage\"\u003e\u003c/a\u003eDifferences Between Below-Floor Flooding, Above-Floor Flooding, and Rainwater Leakage\u003c/h2\u003e\n\u003ch3\u003e\n\u003ca href=\"#below-floor-flooding\" class=\"anchor\" id=\"below-floor-flooding\"\u003e\u003c/a\u003eBelow-Floor Flooding\u003c/h3\u003e\n\u003cp\u003eA condition in which water has not risen to the wooden flooring or interior floor level is generally called below-floor flooding. However, this does not mean it is always excluded from coverage. Compensation may be available if the policy separately establishes a height threshold measured from ground level or a damage ratio condition and that condition is met.\u003c/p\u003e\n\u003cp\u003eConversely, if the conditions are not met, water damage insurance payments may not be made even if the foundation, below-floor equipment, insulation, or other components have actually been damaged. Whether contamination, moisture, or mold below the floor was directly caused by the incident or the work was merely preventive cleaning may also be investigated.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#above-floor-flooding\" class=\"anchor\" id=\"above-floor-flooding\"\u003e\u003c/a\u003eAbove-Floor Flooding\u003c/h3\u003e\n\u003cp\u003eThis refers to water entering above the residential floor surface. Because tatami, flooring, wallpaper, furniture, and appliances are likely to be damaged together, it is frequently used as one of the payment conditions for water damage. However, whether an earthen entrance floor, garage, storage area, or underground space is recognized as a “floor” or residential area under the policy may vary according to the building structure and definition provisions.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#rainwater-leakage\" class=\"anchor\" id=\"rainwater-leakage\"\u003e\u003c/a\u003eRainwater Leakage\u003c/h3\u003e\n\u003cp\u003eDetermining the cause is crucial in cases of rainwater leakage. If rain enters immediately after strong winds blow off the roof or break a window, the damage may be considered consequential loss resulting from wind damage. Water that seeps through deteriorated sealant, cracks, or defective waterproofing without external damage may be regarded as deterioration or a maintenance issue rather than an accidental incident and may therefore be excluded.\u003c/p\u003e\n\u003cp\u003e“Water damage” must also be distinguished from “water wetting” or water leakage coverage. In Japanese insurance, water leakage coverage often refers to water damage originating from equipment, such as plumbing on an upper floor or an accident involving water supply or drainage systems. It is not a term that includes all flooding caused by natural disasters.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#using-hazard-maps-to-assess-the-need-for-water-damage-coverage\" class=\"anchor\" id=\"using-hazard-maps-to-assess-the-need-for-water-damage-coverage\"\u003e\u003c/a\u003eUsing Hazard Maps to Assess the Need for Water Damage Coverage\u003c/h2\u003e\n\u003cp\u003eThe Hazard Map Portal operated by Japan’s Ministry of Land, Infrastructure, Transport and Tourism and the Geospatial Information Authority of Japan allows users to overlay information on river flooding, pluvial flooding, storm surges, landslides, and other hazards around an address. When evaluating water damage coverage, do not rely on only one map; review multiple layers representing different causes.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eMap or information\u003c/th\u003e\n\u003cth\u003eMain risks shown\u003c/th\u003e\n\u003cth\u003ePoints to note when interpreting\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Map or information\"\u003eProjected flood inundation zones\u003c/td\u003e\n\u003ctd data-label=\"Main risks shown\"\u003eProjected inundation area and depth if a river overflows\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eCheck the rivers covered and the assumed rainfall scale\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Map or information\"\u003ePluvial flood map\u003c/td\u003e\n\u003ctd data-label=\"Main risks shown\"\u003eFlooding caused by rainfall exceeding sewer and drainage capacity\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eNot all local governments provide it using the same methods or coverage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Map or information\"\u003eProjected storm-surge inundation\u003c/td\u003e\n\u003ctd data-label=\"Main risks shown\"\u003eRisk of sea-level rise caused by storms and other events\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eIts cause and insurance classification differ from those of earthquake tsunami maps\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Map or information\"\u003eLandslide hazard zones\u003c/td\u003e\n\u003ctd data-label=\"Main risks shown\"\u003eRisk of steep-slope collapse, debris flows, and other events\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eWater damage coverage may need to be considered even when no inundation depth is shown\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Map or information\"\u003eTopography and elevation information\u003c/td\u003e\n\u003ctd data-label=\"Main risks shown\"\u003eLow-lying areas, former river channels, and elevation differences in surrounding areas\u003c/td\u003e\n\u003ctd data-label=\"Points to note when interpreting\"\u003eDoes not directly indicate statutory hazard zones or insurance payment conditions\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch3\u003e\n\u003ca href=\"#no-color-on-the-map-does-not-mean-zero-risk\" class=\"anchor\" id=\"no-color-on-the-map-does-not-mean-zero-risk\"\u003e\u003c/a\u003eNo Color on the Map Does Not Mean Zero Risk\u003c/h3\u003e\n\u003cp\u003eHazard maps are created based on specific rainfall scenarios, calculation models, topographic data, and designated rivers. They may not fully reflect overflows from small waterways, localized drainage failures, differences in elevation at building entrances, or routes through which water may enter underground spaces. You should also check whether the topography or drainage facilities may have changed since the map was published.\u003c/p\u003e\n\u003cp\u003eThe projected inundation depth on a map also does not directly correspond to the actual floodwater height threshold in an insurance policy. A map provides estimates for future scenarios, while insurers make determinations after investigating the actual incident and damage. For example, even if a map shows 0.5 m, that alone does not establish that the policy threshold of more than 45 cm above ground level has been met.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#also-consider-the-floor-level-and-evacuation-options\" class=\"anchor\" id=\"also-consider-the-floor-level-and-evacuation-options\"\u003e\u003c/a\u003eAlso Consider the Floor Level and Evacuation Options\u003c/h3\u003e\n\u003cp\u003eHouseholds on upper floors of high-rise apartment buildings may be less likely to experience direct interior flooding. However, if basement electrical equipment, elevators, water supply pumps, mechanical parking systems, or common areas are flooded, daily life may be disrupted for an extended period. Because an individual household contents policy does not cover restoration costs for common areas or all indirect living expenses, distinguish between the homeowners’ association’s insurance and temporary expense coverage under the individual policy.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#water-damage-risk-classes-and-hazard-maps-are-not-the-same-data\" class=\"anchor\" id=\"water-damage-risk-classes-and-hazard-maps-are-not-the-same-data\"\u003e\u003c/a\u003eWater Damage Risk Classes and Hazard Maps Are Not the Same Data\u003c/h3\u003e\n\u003cp\u003eFor residential fire insurance in Japan, particularly for policies issued or renewed on or after October 2024, the advisory rate system may reflect a classification that divides the water damage risk of the property’s location into several classes. A classification from Class 1 through Class 5 is commonly used, although adoption and actual premiums may differ by insurer.\u003c/p\u003e\n\u003cp\u003eThese classes are not the same as hazard maps showing the projected inundation depth of individual parcels. Even within the same risk class, actual risk may vary depending on distance from a river, elevation, and building structure. It is therefore safer not to exclude coverage based solely on the premium risk class.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#insurance-and-scope-of-liability-to-check-for-rental-housing\" class=\"anchor\" id=\"insurance-and-scope-of-liability-to-check-for-rental-housing\"\u003e\u003c/a\u003eInsurance and Scope of Liability to Check for Rental Housing\u003c/h2\u003e\n\u003cp\u003eThe principal insured property under fire insurance purchased by a tenant is usually the tenant’s household contents. The building itself is generally insured by its owner, the landlord. Therefore, if a tenant’s refrigerator, bed, or clothing is damaged by flooding, the landlord’s building insurance does not automatically compensate for that damage.\u003c/p\u003e\n\u003cp\u003eTenants should check the following items separately:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eWater damage coverage for household contents:\u003c/strong\u003e Check whether damage to tenant-owned property caused by river flooding, pluvial flooding, or similar events is covered.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTenant liability coverage:\u003c/strong\u003e This applies when the tenant is legally liable for damage to the rented building. It does not provide substitute coverage for damage to household contents caused by a natural disaster.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePersonal liability coverage:\u003c/strong\u003e This covers damage caused to others during daily life and is separate from damage to the tenant’s own household contents.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRepair expense coverage:\u003c/strong\u003e Even in the absence of legal liability, this may cover certain repair expenses borne by the tenant under the lease agreement. The scope varies by product.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTemporary expenses and salvage disposal expenses:\u003c/strong\u003e Check the extent to which temporary accommodation or disposal costs after flooding are included.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eA natural disaster does not automatically make the tenant liable for damages. Conversely, the landlord’s possession of building insurance does not mean that the tenant’s household contents are covered. Liability is determined based on the cause of the incident, the landlord’s maintenance of the property, the tenant’s negligence, and the terms of the lease agreement.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#order-for-reviewing-the-policy-before-renewal\" class=\"anchor\" id=\"order-for-reviewing-the-policy-before-renewal\"\u003e\u003c/a\u003eOrder for Reviewing the Policy Before Renewal\u003c/h2\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eDistinguish the insured property.\u003c/strong\u003e Check whether the building, household contents, or both are insured.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFind whether water damage coverage is included.\u003c/strong\u003e Check items related to “water damage,” “flood damage,” or “flooding,” as well as any indication that they are excluded.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRead the definition of water damage.\u003c/strong\u003e Check the extent to which river flooding, pluvial flooding, storm surges, and earth collapse are included.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck the payment conditions.\u003c/strong\u003e Determine whether flooding above floor level, flooding more than 45 cm above ground level, or a damage ratio threshold applies.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck the compensation method.\u003c/strong\u003e Determine whether actual losses are compensated or whether payment percentages or limits apply according to specific conditions.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCompare deductibles.\u003c/strong\u003e Review the deductible per incident and any separate deductible applying only to water damage.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReview the insured value and insured amount.\u003c/strong\u003e Check whether the amount needed to repurchase household contents has been underestimated.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eConsult multiple types of hazard maps.\u003c/strong\u003e Review not only river flooding but also pluvial flooding, storm surges, and landslide hazards.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccount for the building structure.\u003c/strong\u003e Check the floor level, underground spaces, entrance height, and elevation differences relative to surrounding roads.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSubmit questions to the insurer or agent in writing.\u003c/strong\u003e Obtain and retain answers to ambiguous explanations together with the product name and relevant policy provisions.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eWhen excluding water damage coverage to reduce premiums, consider not only the current value of household contents but also whether you can personally bear restoration, disposal, and temporary accommodation costs. Low risk on a hazard map may support consideration of excluding coverage, but it does not mean there is no risk.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#points-to-note-when-an-incident-occurs\" class=\"anchor\" id=\"points-to-note-when-an-incident-occurs\"\u003e\u003c/a\u003ePoints to Note When an Incident Occurs\u003c/h2\u003e\n\u003cul\u003e\n\u003cli\u003ePrioritize personal safety and evacuation over reporting the incident to the insurer.\u003c/li\u003e\n\u003cli\u003eDo not enter areas with risks of electric shock, contaminated water, or gas leaks.\u003c/li\u003e\n\u003cli\u003eNotify the insurer or agent of the incident as soon as possible.\u003c/li\u003e\n\u003cli\u003eRecord the floodwater height, route of water entry, damaged items, and condition of the building with photographs and video.\u003c/li\u003e\n\u003cli\u003eIf urgent drying or decontamination is necessary, retain before-and-after photographs and receipts.\u003c/li\u003e\n\u003cli\u003eIf damaged items must be discarded immediately, first take photographs showing the entire item and its identifying information.\u003c/li\u003e\n\u003cli\u003eUnderstand that local government damage assessments and insurer loss assessments may have different purposes and standards.\u003c/li\u003e\n\u003cli\u003eIf coverage is unclear, specifically request the policy’s definition of water damage, payment requirements, reasons for exclusion, and calculation details.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch2\u003e\n\u003ca href=\"#key-takeaways\" class=\"anchor\" id=\"key-takeaways\"\u003e\u003c/a\u003eKey Takeaways\u003c/h2\u003e\n\u003cp\u003eWater damage compensation under Japanese fire insurance is not determined solely by whether flooding occurred. The insured property, cause of water entry, actual location and height of flooding, damage ratio, payment method under the policy, and deductible must all be checked.\u003c/p\u003e\n\u003cp\u003eMore than 45 cm above ground level, flooding above floor level, and a damage ratio of at least 30% are widely known thresholds, but they are not a single statutory standard applied identically to every policy. Hazard maps are important resources for coverage decisions and evacuation planning, but they do not guarantee insurance payments. Tenants in particular should understand that building insurance, their own household contents insurance, and tenant liability coverage are separate forms of coverage.\u003c/p\u003e\n","tags":["Japanese fire insurance","Flood damage coverage","Flooding","Hazard map","Renters insurance"],"faqs":[{"question":"Does fire insurance in Japan automatically include flood damage coverage?","answer":"It is not always included. Fire insurance is a product that combines coverage for multiple risks, and some policies allow flood damage coverage to be excluded. You should check the coverage items in your insurance policy to determine whether flood damage is included and what the payment conditions are."},{"question":"Is an insurance payout guaranteed if the floodwater depth exceeds 45 cm?","answer":"No. Some policy terms use flooding exceeding 45 cm above ground level as a payment condition, but the cause of the water intrusion must fall within the definition of flood damage, and the insured property must have sustained actual damage. Deductibles, exclusions, and each product's method of compensation also apply."},{"question":"Is the 45 cm measured from the indoor floor?","answer":"The generally recognized standard is measured from the ground level adjacent to the building, not from the indoor floor. However, for special structures such as semi-basements, basement floors, and earthen-floored entryways, the applicable policy terms and the insurance company's claim investigation must be consulted regarding the measurement and assessment method."},{"question":"Can I not receive a flood damage insurance payout if only the area beneath the floor is flooded?","answer":"Not necessarily. Even if the flooding does not rise above the floor, it may be covered if the policy's conditions regarding floodwater height above ground level or the damage ratio are met. Conversely, if the conditions are not met, no payout may be made even if actual cleaning and drying costs are incurred."},{"question":"If the damage ratio is at least 30%, does that mean I receive 30% of the insured amount?","answer":"No. The 30% figure is often used as a damage ratio threshold for determining eligibility for payment. The actual insurance payout is calculated by applying the recognized amount of damage, insured value, insured amount, payment limit, deductible, and the payment method specified in the policy terms."},{"question":"Is rainwater that enters through the roof during a typhoon considered flood damage?","answer":"It depends on the cause. If rainwater entered after strong winds damaged the roof or windows, it may be assessed as consequential damage from wind. If it seeped in through aging cracks or inadequate waterproofing, it may be excluded from coverage as a deterioration or maintenance issue."},{"question":"Is inland flooding also covered by flood damage coverage?","answer":"Many products generally treat inland flooding, in which heavy rain overwhelms drainage capacity and water from roads or sewers enters a building, as flood damage. However, the definition of flood damage and the conditions regarding floodwater height and damage ratio in the policy terms must be met, so the individual policy must be checked."},{"question":"Can I exclude flood damage coverage if the hazard map does not show flooding?","answer":"The absence of color on the map does not mean that the risk is zero. Small waterways, localized drainage problems, water intrusion into underground spaces, and differences in elevation around individual buildings may not be fully reflected. You should consider multiple hazard maps, past flooding history, the building's structure, and the scale of loss you can bear on your own."},{"question":"Does the 0.5 m flooding shown on a hazard map meet the insurance policy's 45 cm threshold?","answer":"The figures on a hazard map are only projected flood depths under a specific scenario, not measurements from an actual incident. Insurance payouts are determined by investigating the actual flooding conditions and damage at the time of the incident and the policy terms, so the payment conditions are not met based on the map figures alone."},{"question":"If the building of my rented home is flooded, will my belongings be covered by my landlord's insurance?","answer":"Generally, a landlord's insurance covers the building, so it does not automatically cover furniture, appliances, or clothing owned by the tenant. Tenants should separately check whether their own household contents insurance includes flood damage coverage."},{"question":"If I have tenant liability coverage, do I still need flood damage coverage for my belongings?","answer":"The two types of coverage serve different purposes. Tenant liability coverage covers damage to the rented building for which the tenant is legally liable; it does not instead cover the tenant's own belongings damaged by a natural disaster."},{"question":"Is an insurance payout made automatically if I have a disaster victim certificate issued by the local government?","answer":"It is not paid automatically. A disaster victim certificate can be important evidence describing the damage, but the purpose and calculation methods of the government authority's damage assessment and the payment criteria under the insurance policy differ. The insurance company may separately investigate the cause and amount of damage."}],"sources":[{"url":"https://disaportal.gsi.go.jp/","title":"Ministry of Land, Infrastructure, Transport and Tourism and Geospatial Information Authority of Japan Hazard Map Portal Site","type":"data_point"},{"url":"https://www.sonpo.or.jp/","title":"General Insurance Association of Japan","type":"source"},{"url":"https://www.giroj.or.jp/","title":"General Insurance Rating Organization of Japan","type":"source"},{"url":"https://www.fsa.go.jp/","title":"Financial Services Agency of Japan","type":"source"},{"url":"https://www.bousai.go.jp/","title":"Cabinet Office of Japan Disaster Management Information","type":"source"},{"url":"https://detail.chiebukuro.yahoo.co.jp/qa/question_detail/q10324725905","title":"Yahoo!知恵袋 question about flood damage coverage q10324725905","type":"source"},{"url":"https://detail.chiebukuro.yahoo.co.jp/qa/question_detail/q11306246496","title":"Yahoo!知恵袋 question about flood depth q11306246496","type":"source"},{"url":"https://detail.chiebukuro.yahoo.co.jp/qa/question_detail/q11276849806","title":"Yahoo!知恵袋 question about hazard maps and flood damage coverage q11276849806","type":"source"},{"url":"https://detail.chiebukuro.yahoo.co.jp/qa/question_detail/q10231864415","title":"Yahoo!知恵袋 question about fire insurance and flood damage q10231864415","type":"source"}],"images":[{"id":575,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6Njg0NiwicHVyIjoiYmxvYl9pZCJ9fQ==--9ed341515b1c0d532b746fc76a91ca6aebc895a0/ai-9d49ee0a.webp","is_representative":true,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"침수된 2층 주택 단면과 수위선, 손상된 가재도구, 피해 비율 도표를 나타낸 삽화","caption":"침수 높이에 따른 주택과 가재도구의 피해를 수위선과 도표로 보여준다.","description":null},"en":{"alt":"Cutaway of a flooded two-story house with water lines, damaged contents, icons, and a loss chart","caption":"Water-level markers and charts illustrate flood damage to the house and its contents.","description":null},"ja":{"alt":"浸水した2階建て住宅の断面、水位線、損傷した家財、損害割合の図表","caption":"水位線と図表で、浸水の高さに応じた住宅や家財の被害を示している。","description":null},"es":{"alt":"Corte de una casa de dos plantas inundada con niveles de agua, enseres dañados y gráfico de pérdidas","caption":"Las líneas de nivel y los gráficos muestran los daños por inundación en la vivienda y sus enseres.","description":null},"id":{"alt":"Potongan rumah dua lantai yang terendam dengan garis ketinggian air, barang rusak, dan bagan kerugian","caption":"Garis ketinggian dan bagan menunjukkan kerusakan banjir pada rumah serta isinya.","description":null},"pt":{"alt":"Corte de casa de dois andares alagada com níveis da água, bens danificados e gráfico de perdas","caption":"Linhas de nível e gráficos mostram os danos da inundação à casa e aos bens.","description":null},"zh-hant":{"alt":"兩層住宅淹水剖面，標示水位線、受損家具家電與損失比例圖表","caption":"水位線與圖表呈現不同淹水高度對住宅及家中財物造成的損害。","description":null},"de":{"alt":"Schnitt durch ein überflutetes zweistöckiges Haus mit Wasserständen, beschädigtem Inventar und Schadensgrafik","caption":"Wasserstandslinien und Diagramme zeigen die Flutschäden am Haus und seinem Inventar.","description":null}}},{"id":576,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6Njg1MiwicHVyIjoiYmxvYl9pZCJ9fQ==--b27b50bb3f2012863121605c63715158d71aef72/ai-7699955c.webp","is_representative":false,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"홍수·침수·산사태 위험과 아파트 및 가재도구 피해를 색상별 보험 항목으로 연결한 도해","caption":"위험지도 위의 재해 유형과 건물·가재도구의 보험 보상 관계를 보여준다.","description":null},"en":{"alt":"Diagram linking flood, inundation and landslide risks to color-coded coverage for a building and belongings","caption":"The graphic relates mapped hazards to insurance coverage for a building and its contents.","description":null},"ja":{"alt":"洪水・浸水・土砂災害の危険と建物や家財の補償区分を色別に結んだ図","caption":"ハザードマップ上の災害リスクと建物・家財の保険補償の関係を示している。","description":null},"es":{"alt":"Diagrama que vincula riesgos de inundación y deslizamiento con coberturas para edificio y enseres","caption":"El gráfico relaciona los riesgos del mapa con la cobertura del edificio y sus contenidos.","description":null},"id":{"alt":"Diagram risiko banjir, genangan, dan longsor dengan cakupan berwarna untuk bangunan serta isi rumah","caption":"Grafik ini menghubungkan bahaya pada peta dengan perlindungan asuransi bangunan dan isinya.","description":null},"pt":{"alt":"Diagrama liga riscos de enchente, inundação e deslizamento à cobertura do prédio e dos bens","caption":"O gráfico relaciona os riscos do mapa à cobertura de seguro do edifício e de seu conteúdo.","description":null},"zh-hant":{"alt":"以色彩連結洪水、淹水與山崩風險及建築和家中財物保障的示意圖","caption":"圖中呈現災害風險地圖與建築、家中財物保險保障的關係。","description":null},"de":{"alt":"Grafik zu Hochwasser-, Überflutungs- und Erdrutschrisiken sowie farblich markiertem Gebäude- und Hausratschutz","caption":"Die Grafik verknüpft kartierte Gefahren mit dem Versicherungsschutz für Gebäude und Hausrat.","description":null}}}],"published_at":"2026-08-10T21:22:25+09:00","updated_at":"2026-08-10T21:22:25+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://injoys.com/en/articles/japan-fire-insurance-flood-coverage-guide"}