Many of the worst outcomes in Asia occurred in tsunami-prone areas, such as the low-lying coastal areas of Sri Lanka. Private insurance would discourage construction in the most dangerous locations, owing to prohibitively high premiums, while encouraging the adoption of tsunami-resistant building standards in marginal areas.
此次亚洲损失最为惨重的多为一些海啸高发地区，比如斯里兰卡的低沿海地区。但是，若由私人投保的话，那么就会鉴于私人保险的高额违约金，阻止在高危地点修建房屋，鼓励在边缘地区实施抗海啸的建筑标准。