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The incapacity to cope with heavy rainfall events leads to flooding in urban areas. Urban flooding isusually divided into pluvial flooding, sewer flooding, among others. Determining which of these typeswas responsible to cause a flooding occurrence is, in most cases, an error-prone task, because it can betriggered by more than one of them and there is frequently an overlap in their extent.Given these problems, a classification based on the hydro-geomorphological features was appliedto Lisbon, in which the relief and the ancient floodplains are still crucial factors in the city’s currentoverland flow behavior. Two types of flooding are proposed: flooding related to natural drainage network(FREN) and flooding unrelated to natural drainage network (FUNN). In order to determine thematerial damages associated to FREN and FUNN and their spatial distribution, an insurance floodingdatabase (2000–2011) was used. Through the accurate location of the APS (the Portuguese Associationof Insurers) database flooding records triggered by rainfall and the reconstruction of the Lisbon’snatural drainage network, it was possible to define which type of flooding caused each reported claim.There are different spatial patterns in Lisbon concerning FREN and FUNN. FREN occurs alongthe valley bottoms, while FUNN has a more scattered spatial pattern, meaning that FUNN can occurwhere there are overland flow difficulties. 53% of the claims were caused by FUNN; however, higherpayouts are associated with FREN (58%). Resorting only to the claims recorded during an extremerainfall event (in 18 February 2008), the weight of FREN is even more pronounced with 58% of theclaims and 71% of the payouts. This proves the higher FREN’s potential to cause material damageswhen compared to FUNN’s. This knowledge can be applied to the flooding mitigation or adaptationmeasures to be included in urban planningAssociação Portuguesa de Seguradoresinfo:eu-repo/semantics/publishedVersio

The potential of two types of urban flooding to cause material damages in Lisbon, Portugal