Natural disasters usually affect vast areas and devastate infrastructures. Performing a timely and efficient response is crucial to minimize the impact on affected communities, and data-driven approaches are the best choice. Visual question answering (VQA) models help management teams to achieve in-depth understanding of damages. However, recently published models do not possess the ability to answer open-ended questions and only select the best answer among a predefined list of answers. If we want to ask questions with new additional possible answers that do not exist in the predefined list, the model needs to be fin-tuned/retrained on a new collected and annotated dataset, which is a time-consuming procedure. In recent years, large-scale Vision-Language Models (VLMs) have earned significant attention. These models are trained on extensive datasets and demonstrate strong performance on both unimodal and multimodal vision/language downstream tasks, often without the need for fine-tuning. In this paper, we propose a VLM-based zero-shot VQA (ZeShot-VQA) method, and investigate the performance of on post-disaster FloodNet dataset. Since the proposed method takes advantage of zero-shot learning, it can be applied on new datasets without fine-tuning. In addition, ZeShot-VQA is able to process and generate answers that has been not seen during the training procedure, which demonstrates its flexibility.

Rapid post-disaster road damage assessment is critical for effective emergency response, yet traditional optimization methods suffer from excessive computational time and require domain knowledge for algorithm design, making them unsuitable for time-sensitive disaster scenarios. This study proposes an attention-based encoder-decoder model (AEDM) for rapid drone routing decision in post-disaster road damage assessment. The method employs deep reinforcement learning to determine high-quality drone assessment routes without requiring algorithmic design knowledge. A network transformation method is developed to convert link-based routing problems into equivalent node-based formulations, while a synthetic road network generation technique addresses the scarcity of large-scale training datasets. The model is trained using policy optimization with multiple optima (POMO) with multi-task learning capabilities to handle diverse parameter combinations. Experimental results demonstrate two key strengths of AEDM: it outperforms commercial solvers by 20--71\% and traditional heuristics by 23--35\% in solution quality, while achieving rapid inference (1--2 seconds) versus 100--2,000 seconds for traditional methods. The model exhibits strong generalization across varying problem scales, drone numbers, and time constraints, consistently outperforming baseline methods on unseen parameter distributions and real-world road networks. The proposed method effectively balances computational efficiency with solution quality, making it particularly suitable for time-critical disaster response applications where rapid decision-making is essential for saving lives. The source code for AEDM is publicly available at https://github.com/PJ-HTU/AEDM-for-Post-disaster-road-assessment.

--Timely and accurate assessment of damages following natural disasters is essential for effective emergency response and recovery. Recent AI-based frameworks have been developed to analyze large volumes of aerial imagery collected by Unmanned Aerial V ehicles (UA Vs), providing actionable insights rapidly. However, creating and annotating data for training these models is costly and time-consuming, resulting in datasets that are limited in size and diversity. Furthermore, most existing approaches rely on traditional classification-based frameworks with fixed answer spaces, restricting their ability to provide new information without additional data collection or model retraining. Using pre-trained generative models built on in-context learning (ICL) allows for flexible and open-ended answer spaces. However, these models often generate hallucinated outputs or produce generic responses that lack domain-specific relevance. T o address these limitations, we propose Think First, Assign Next (ThiF AN-VQA), a two-stage reasoning-based framework for Visual Question Answering (VQA) in disaster scenarios. ThiF AN-VQA first generates structured reasoning traces using chain-of-thought (CoT) prompting and ICL to enable interpretable reasoning under limited supervision. A subsequent answer selection module evaluates the generated responses and assigns the most coherent and contextually accurate answer, effectively improve the model performance. Experiments on FloodNet and RescueNet-VQA, UA V-based datasets from flood-and hurricane-affected regions, demonstrate that ThiF AN-VQA achieves superior accuracy, interpretability, and adaptability for real-world post-disaster damage assessment tasks. N the immediate aftermath of natural disasters, first responders rely heavily on up-to-date information to assess damage, identify hazards, allocate resources, and reach survivors as quickly as possible.

Generative AI is supercharging insurance fraud by making it easier to falsify accident evidence at scale and in rapid time. Insurance fraud is a pervasive and costly problem, amounting to tens of billions of dollars in losses each year. In the vehicle insurance sector, fraud schemes have traditionally involved staged accidents, exaggerated damage, or forged documents. The rise of generative AI, including deepfake image and video generation, has introduced new methods for committing fraud at scale. Fraudsters can now fabricate highly realistic crash photos, damage evidence, and even fake identities or documents with minimal effort, exploiting AI tools to bolster false insurance claims. Insurers have begun deploying countermeasures such as AI-based deepfake detection software and enhanced verification processes to detect and mitigate these AI-driven scams. However, current mitigation strategies face significant limitations. Detection tools can suffer from false positives and negatives, and sophisticated fraudsters continuously adapt their tactics to evade automated checks. This cat-and-mouse arms race between generative AI and detection technology, combined with resource and cost barriers for insurers, means that combating AI-enabled insurance fraud remains an ongoing challenge. In this white paper, we present UVeye layered solution for vehicle fraud, representing a major leap forward in the ability to detect, mitigate and deter this new wave of fraud.

After natural disasters, accurate evaluations of damage to housing are important for insurance claims response and planning of resources. In this work, we introduce a novel multimodal retrieval-augmented generation (MM-RAG) framework. On top of classical RAG architecture, we further the framework to devise a two-branch multimodal encoder structure that the image branch employs a visual encoder composed of ResNet and Transformer to extract the characteristic of building damage after disaster, and the text branch harnesses a BERT retriever for the text vectorization of posts as well as insurance policies and for the construction of a retrievable restoration index. To impose cross-modal semantic alignment, the model integrates a cross-modal interaction module to bridge the semantic representation between image and text via multi-head attention. Meanwhile, in the generation module, the introduced modal attention gating mechanism dynamically controls the role of visual evidence and text prior information during generation. The entire framework takes end-to-end training, and combines the comparison loss, the retrieval loss and the generation loss to form multi-task optimization objectives, and achieves image understanding and policy matching in collaborative learning. The results demonstrate superior performance in retrieval accuracy and classification index on damage severity, where the Top-1 retrieval accuracy has been improved by 9.6%.

Rapid and accurate post-hurricane damage assessment is vital for disaster response and recovery. Yet existing CNN-based methods struggle to capture multi-scale spatial features and to distinguish visually similar or co-occurring damage types. To address these issues, we propose MCANet, a multi-label classification framework that learns multi-scale representations and adaptively attends to spatially relevant regions for each damage category. MCANet employs a Res2Net-based hierarchical backbone to enrich spatial context across scales and a multi-head class-specific residual attention module to enhance discrimination. Each attention branch focuses on different spatial granularities, balancing local detail with global context. We evaluate MCANet on the RescueNet dataset of 4,494 UAV images collected after Hurricane Michael. MCANet achieves a mean average precision (mAP) of 91.75%, outperforming ResNet, Res2Net, VGG, MobileNet, EfficientNet, and ViT. With eight attention heads, performance further improves to 92.35%, boosting average precision for challenging classes such as Road Blocked by over 6%. Class activation mapping confirms MCANet's ability to localize damage-relevant regions, supporting interpretability. Outputs from MCANet can inform post-disaster risk mapping, emergency routing, and digital twin-based disaster response. Future work could integrate disaster-specific knowledge graphs and multimodal large language models to improve adaptability to unseen disasters and enrich semantic understanding for real-world decision-making.

Natural disasters, including earthquakes, wildfires and cyclones, bear a huge risk on human lives as well as infrastructure assets. An effective response to disaster depends on the ability to rapidly and efficiently assess the intensity of damage. Artificial Intelligence (AI) and Generative Artificial Intelligence (GenAI) presents a breakthrough solution, capable of combining knowledge from multiple types and sources of data, simulating realistic scenarios of disaster, and identifying emerging trends at a speed previously unimaginable. In this paper, we present a comprehensive review on the prospects of AI and GenAI in damage assessment for various natural disasters, highlighting both its strengths and limitations. We talk about its application to multimodal data such as text, image, video, and audio, and also cover major issues of data privacy, security, and ethical use of the technology during crises. The paper also recognizes the threat of Generative AI misuse, in the form of dissemination of misinformation and for adversarial attacks. Finally, we outline avenues of future research, emphasizing the need for secure, reliable, and ethical Generative AI systems for disaster management in general. We believe that this work represents the first comprehensive survey of Gen-AI techniques being used in the field of Disaster Assessment and Response.

It is of crucial importance to assess damages promptly and accurately in humanitarian assistance and disaster response (HADR). Current deep learning approaches struggle to generalize effectively due to the imbalance of data classes, scarcity of moderate damage examples, and human inaccuracy in pixel labeling during HADR situations. To accommodate for these limitations and exploit state-of-the-art techniques in vision-language models (VLMs) to fuse imagery with human knowledge understanding, there is an opportunity to generate a diversified set of image-based damage data effectively. Our initial experimental results suggest encouraging data generation quality, which demonstrates an improvement in classifying scenes with different levels of structural damage to buildings, roads, and infrastructures.

Building damage identification shortly after a disaster is crucial for guiding emergency response and recovery efforts. Although optical satellite imagery is commonly used for disaster mapping, its effectiveness is often hampered by cloud cover or the absence of pre-event acquisitions. To overcome these challenges, we introduce a novel multimodal deep learning (DL) framework for detecting building damage using single-date very high resolution (VHR) Synthetic Aperture Radar (SAR) imagery from the Italian Space Agency (ASI) COSMO SkyMed (CSK) constellation, complemented by auxiliary geospatial data. Our method integrates SAR image patches, OpenStreetMap (OSM) building footprints, digital surface model (DSM) data, and structural and exposure attributes from the Global Earthquake Model (GEM) to improve detection accuracy and contextual interpretation. Unlike existing approaches that depend on pre and post event imagery, our model utilizes only post event data, facilitating rapid deployment in critical scenarios. The framework effectiveness is demonstrated using a new dataset from the 2023 earthquake in Turkey, covering multiple cities with diverse urban settings. Results highlight that incorporating geospatial features significantly enhances detection performance and generalizability to previously unseen areas. By combining SAR imagery with detailed vulnerability and exposure information, our approach provides reliable and rapid building damage assessments without the dependency from available pre-event data. Moreover, the automated and scalable data generation process ensures the framework's applicability across diverse disaster-affected regions, underscoring its potential to support effective disaster management and recovery efforts. Code and data will be made available upon acceptance of the paper.

Most post-disaster damage classifiers succeed only when destructive forces leave clear spectral or structural signatures -- conditions rarely present after inundation. Consequently, existing models perform poorly at identifying flood-related building damages. The model presented in this study, Flood-DamageSense, addresses this gap as the first deep-learning framework purpose-built for building-level flood-damage assessment. The architecture fuses pre- and post-event SAR/InSAR scenes with very-high-resolution optical basemaps and an inherent flood-risk layer that encodes long-term exposure probabilities, guiding the network toward plausibly affected structures even when compositional change is minimal. A multimodal Mamba backbone with a semi-Siamese encoder and task-specific decoders jointly predicts (1) graded building-damage states, (2) floodwater extent, and (3) building footprints. Training and evaluation on Hurricane Harvey (2017) imagery from Harris County, Texas -- supported by insurance-derived property-damage extents -- show a mean F1 improvement of up to 19 percentage points over state-of-the-art baselines, with the largest gains in the frequently misclassified "minor" and "moderate" damage categories. Ablation studies identify the inherent-risk feature as the single most significant contributor to this performance boost. An end-to-end post-processing pipeline converts pixel-level outputs to actionable, building-scale damage maps within minutes of image acquisition. By combining risk-aware modeling with SAR's all-weather capability, Flood-DamageSense delivers faster, finer-grained, and more reliable flood-damage intelligence to support post-disaster decision-making and resource allocation.