Disaster Resilience as Spatial Practice: Informal Settlements, Insurance Asymmetry, and Adaptive Memory

作为空间实践的灾害韧性：非正规住区、保险不对称与适应性记忆

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Informal settlements in Medellín demonstrate higher flood resilience than formal neighborhoods—not due to infrastructure, but because dense social networks enable rapid evacuation coordination during flash floods.
Insurance premiums in U.S. wildfire-prone areas now incorporate ‘social vulnerability indices’, charging higher rates in low-income ZIP codes regardless of individual property mitigation efforts.

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