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FIG. 41 : MIDDLE CLASS HOUSEHOLD
Source: TARU analysis, 2010
FIG. 42 : UPPER CLASS HOUSEHOLD
Source: TARU analysis, 2010
The water usage pattern in Surat is slightly lower than that of Indore. This may be due to different water usage habits, wastage of water due to intermittent supply and use of different
types of equipment. In Surat controllable flush taps are common, While in Indore flush tanks are more common leading to wastage. It may be noted that Gujarat has a tradition of
conservation of water in every activity due to semi arid climate.
5.9.5 Loan and insurance vulnerability index
Since Surat is an industrial city dominated by small and medium industries, incidence of loans is expected to be high. The ownership of household and movable assets is quite
comparable to the metros and penetration of formal credit is quite high compared to other cities. Also, in this high natural disaster risk prone area, insurance penetration especially in
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the business sector is expected to be high. The analysis is presented in the following Table 38.
Table 38: Loan and insurance vulnerability index
Sl. No.
Loan Insurance Index
Slum Lower
Middle Mixed
Upper Grand
Total
1 -
- 4
12 4
4 2
1 -
- 11
7 24
8 3
2 1
1 4
20 16
6 4
3 3
2 37
11 5
20 5
4 45
51 18
19 44
30 6
5 48
46 19
31 7
29 7
6 3
- 5
- -
3
Grand Total 100
100 100
100 100
100 Source: TARU Primary Study, 2009
The analysis indicates that 68 of the households have loan and insurance vulnerability less than 5 while only 32 percent lying between 5 and 6. High per capita incomes and good
understanding of risks may be the main reasons for such low vulnerability. Even among the poorer SECs, incidence of loan is low and also the insurance coverage seems to be high.
5.9.6 Flood vulnerability index
Floods are the most common disasters facing the city, affecting up to 75 of the households as evidenced by 2006 floods. The flood vulnerability index captures the responses from
different households across the city. The indicator includes reports of flood damage, depth of inundation and duration of inundation. The results are presented in the flowing Table 39.
Table 39: Flood Vulnerability Index
Sl. No.
Flood Vulnerability
Index Slum
Lower Middle
Mixed Upper
Sample Total
1 0-2
15 3
37 -
5 20
2 2-4
8 5
8 -
- 6
3 4-6
6 3
- 7
3 4
6-8 33
10 21
39 64
25 5
8-10 43
77 30
61 24
46
Grand Total 100
100 100
100 100
100 Source: TARU Primary Study, 2009
Since most of the slums and low income settlements are located near or inside the flood risk zones, the these two SECS are differentially more vulnerable than the other SECs. Similarly,
the Mixed SECs which are found in the core city which is more flood prone and near the Khadis in the peripheries also are more prone compared to Middle and upper SECs. Also
these categories mostly live in single or two storied houses and therefore more directly impacted by floods than the middle and upper SECs who have higher proportion of
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households living in high rise buildings. The results are in conformity with the information that about 75 of the population was affected by the floods of 2006.
Flood damages reported by the respondents include mainly damage to houses, movable assets. The composition of house types across the sample settlements is presented in the Map
Annexure L.
5.9.7 Hydrometeorological risk exposure
