極端氣候下再生能源設施之永續風險管理：以丹娜絲颱風嘉義光電案場為例

Sustainability Risk Management of Renewable Energy Facilities under Extreme Climate Events: Evidence from Solar PV Damage in Chiayi during Typhoon Danas

本研究以2025年丹娜絲颱風衝擊嘉義太陽光電設施為例，探討極端氣候下再生能源設施風險管理與保險制度運作。研究發現，現行制度在核保模型與風險分級機制、損害鑑定與責任認定程序，及再保容量與成本等面向皆存在缺口，致使費率與實際風險曝險不一致並增加理賠爭議。研究提出五項政策建議：建立標準化專屬條款與承保範圍、建構跨部門推動機制、設置氣候再保基金與巨災準備、強化資料共享與科技監測，以及培育跨域專業人才。研究認為，透過制度化資料整合、精準核保與穩健再保設計，可降低企業財務不確定性並提升社會抗災韌性，使保險體系於能源轉型與永續發展過程發揮關鍵支撐角色。

This study examines the risk management and insurance mechanisms for renewable energy facilities under extreme climate events, using the severe damage to solar photovoltaic (PV) installations in Chiayi caused by Typhoon Danas in 2025. The findings reveal several institutional gaps in the current system, including the absence of dedicated underwriting models and risk‐classification frameworks, incomplete procedures and standards for loss assessment and liability determination, and limited reinsurance capacity. These deficiencies result in mismatches between insurance premiums and actual risk exposures and contribute to frequent claim disputes. We propose five policy recommendations: developing standardized policy wordings and coverage tailored to renewable energy projects; establishing a cross-agency mechanism for promoting climate risk insurance; creating a climate reinsurance fund and catastrophe reserve system; enhancing data sharing and technology-based risk monitoring; and strengthening talent cultivation in climate finance and renewable-energy insurance. The study concludes that institutionalized risk-data integration, actuarially sound underwriting, and robust reinsurance structures can reduce firms’financial uncertainty, enhance societal disaster resilience, and enable the insurance sector to play a pivotal supporting role in energy transition and sustainable development.