Renverser la vapeur

The document argues that while flood risk transparency—through mapping, disclosure, and pricing—is essential for resilience, it currently disadvantages equity-deserving groups who are more likely to live in flood-prone areas and lack access to risk information. It calls for a 'transformational transparency approach' involving the co-development of mapping programs with these communities and the standardization of risk disclosure for both property sales and rentals to prevent a cycle where marginalized populations are forced into high-risk housing.

• Current flood risk maps in Canada are often outdated by 25 years or more, difficult to access, or too complex for non-technical users, particularly in areas where equity-deserving groups are overrepresented.
• There is a significant gap in risk disclosure for renters in Canada, as property owners are not required to disclose flood hazards during rental transactions, which disproportionately affects equity-deserving communities who are overrepresented among tenants.
• Risk-based pricing is driving up costs for insurance and rent, potentially trapping equity-deserving groups in a cycle where they are forced to live in high-risk areas because lower-risk areas become unaffordable.
• Between 2015 and 2019, home insurance premiums in Canada rose by 20% to 25%, with more than half of that increase attributed to flood damage.

APA

Canadian Climate Institute (2024). Renverser la vapeur. https://institutclimatique.ca/publications/renverser-la-vapeur/

Chicago

Canadian Climate Institute. Renverser la vapeur. 2024. https://institutclimatique.ca/publications/renverser-la-vapeur/.

Wikipedia

{{cite report |author=Canadian Climate Institute |title=Renverser la vapeur |date=3 January 2024 |url=https://institutclimatique.ca/publications/renverser-la-vapeur/ |access-date=23 October 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{canadianclimateinstitute2024renverser, author = {{Canadian Climate Institute}}, title = {{Renverser la vapeur}}, institution = {Canadian Climate Institute}, year = {2024}, month = jan, url = {https://institutclimatique.ca/publications/renverser-la-vapeur/}, urldate = {2026-10-23}, note = {Indexed by Climate Insights Directory} }