Based on an earthquake insurance experience, the relationship between seismic ground motion intensity and the damage ratio of wooden houses is examined. In addition, vulnerability functions are evaluated from numerical simulations, in which houses are modeled with engineering judgment based on the experts' discussion as well as statistics of the insurance experience. The vulnerability functions have a ground motion intensity index as an explanatory variable, which are defined according to construction year and degree of loss to be covered in earthquake insurance, so as to reflect that ground motion frequency which is more correlated with damage ratio is different by structural characteristics of houses and degree of loss.
Characteristics of damage ratio data were discussed using G 匸 S data of buHdings damaged by I卜 e 1995 Hyogo − ken Nanbu Ea曲 quake . A regression analysis ofthe damage ratio f( 〕r two kinds Qf ar¢ a unit shQwed that dainage ratios reported by Kobe University were about 60 % of those rcported by Building Research lnstitute . An analysis of damage ra じ ios according 【 o differenl ceU areas revealed lhat the ad 閃 uate cell size for data collection ranges from lO, 000 to 20e. OOO m ! from the viewpoints of the number of target bui ] dings in the unit and the resolution level f ( ) r the danlage distribution .
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