Table 37. New design benefits, costs, and benefit-cost ratios for satisfying the National WUI Guide High hazard level
Moderate hazard level
Low hazard level
As-is
As-is
Follows Guide
As-is
Follows Guide
$4
$34
$0
Follows Guide
Annual monetary loss Building
$2,341
$27
$335
Contents
$1,639
$19
$234
$3
$24
$0
Additional living expenses
$249
$4
$36
$1
$4
$0
Indirect business interruption
$117
$2
$17
$0
$2
$0
Insurance overhead and profit
$1,776
$21
$254
$3
$26
$0
Monetary subtotal
$6,122
$73
$876
$10
$88
$0
$1
$3
$0
Annual non-monetary loss Deaths
$318
$5
$46
Injuries
$466
$7
$67
$1
$4
$0
PTSD
$11
$0
$2
$0
$0
$0
Environmental
$4
$0
$1
$0
$0
$0
Non-monetary subtotal
$799
$12
$114
$2
$7
$0
Present value of losses (3% discount rate for monetary losses, 75-year remaining life, with climate change and demand surge) Building
$108,730
$1,277
$15,552
$183
$1,569
$6
Contents
$76,111
$894
$10,886
$128
$1,098
$4
Additional living expenses
$11,567
$173
$1,654
$25
$167
$1
Indirect business interruption
$5,436
$81
$778
$12
$78
$0
Insurance overhead and profit
$82,491
$984
$11,799
$141
$1,190
$4
Deaths
$35,909
$524
$5,136
$75
$301
$1
Injuries
$52,543
$766
$7,515
$110
$441
$2
PTSD
$1,288
$19
$184
$3
$11
$0
Environmental
$421
$5
$60
$1
$4
$0
Benefit Building
$107,453
29%
$15,369
29%
$1,563
32%
Contents
$75,217
20%
$10,759
20%
$1,094
23%
Additional living expenses
$11,394
3%
$1,630
3%
$166
3%
Indirect business interruption
$5,355
1%
$766
1%
$78
2%
Insurance overhead and profit
$81,507
22%
$11,658
22%
$1,186
24%
Deaths
$35,386
10%
$5,061
10%
$300
6%
Injuries
$51,776
14%
$7,406
14%
$439
9%
PTSD
$1,269
0%
$182
0%
$11
0%
Environmental
$416
0%
$60
0%
$4
0%
Benefit (nearest $1,000)
$370,000
$53,000
$5,000
Cost (nearest $1,000) Cost group 1 (CC1)
$11,000
$11,000
$1,000
Cost group 2 (veg control)
$4,000
$4,000
$4,000
Cost group 3 (management of zone 3)
$42,000
$42,000
$42,000
Benefit-cost ratio (rounded) Cost group 1 (CC1)
34
5
5
Cost group 2 (veg control)
93
13
1
Cost group 3 (management of zone 3)
9
1
0.1
75