Sustainable Development of Property Insurance: A Risk Assessment and Fuzzy Evaluation Approach

Sustainability and informed decision-making are vital for real estate owners and the insurance industry. To support these goals, a risk assessment model was developed using ARIMA time series analysis to predict extreme weather events and classify areas into low, medium, and high-risk categories, assisting insurers in their decisions. An AHP-GIS site selection model was also implemented, utilizing spatial analysis to recommend optimal locations for real estate developers. Additionally, a community property protection model combines entropy weighting and fuzzy evaluation to establish protection tiers, aiding community leaders in formulating effective strategies. The ARIMA model reveals that increasing extreme weather in the U.S. raises insurance claims costs, prompting insurers to adjust risk assessments and premiums. The AHP-GIS model highlights the significance of economic factors (42.063%) in site selection, indicating that incorporating extreme weather and environmental considerations can enhance real estate sustainability. Ultimately, integrating these models fosters a proactive framework for building resilient communities and securing a sustainable future.