Research of the Effect of Climate Change on Natural Disasters Occurring Between 1970-2023 in Terms of the Insurance Sector

The number of natural disasters occurring in the world due to climate change is increasing day by day. Efforts to reduce the loss of life and property resulting from natural disasters are very important for the country's economy. This study emphasizes the importance of disaster management and disaster insurance by examining the relationships between the changes in annual average temperature, precipitation and humidity data in Turkey between 1970 and 2023, the number of natural disasters that occurred, the number of individuals affected and killed by disasters, the total loss amount and the insured loss amounts. requested. For this purpose, Emergency Events Database (EM-DAT) reports were examined and the importance of disaster insurance, which has an important place in disaster management, was emphasized. It has been tested that the number of natural disasters increases over the years due to changes in the climate as a result of global warming, and it has been determined that the share of the insurance sector in financing the losses that have occurred and will occur is very small. It has emerged that awareness of disaster insurance, which has an important place in covering the damages arising from natural disasters and in the country's economy, should be created and disseminated.