Natural disasters, land-use, and insurance

IF 0.7 3区经济学 Q4 BUSINESS, FINANCE

Geneva Risk and Insurance Review Pub Date : 2016-08-31 DOI:10.2139/ssrn.2603700

Céline Grislain-Letrémy, B. Villeneuve

引用次数: 2

Abstract

This paper addresses the urbanization of areas exposed to natural disasters and studies its dependency on land-use and insurance policies. In practice, we observe simple policies, consisting of a prohibited red zone and a zone without insurance tariff differentiation. Even if there are fixed damages per dwelling, the red-zone policy is relatively efficient; it implements the optimal land-use if the losses are proportional to the surface used. The main results are on the effects redefining the optimal red zone as the climate or the population changes. We expose plausible cases in which the red zone grows with a growing population.

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自然灾害、土地使用和保险

本文研究了自然灾害地区的城市化及其对土地利用和保险政策的依赖。在实践中，我们实行简单的政策，包括一个禁止的红色区域和一个没有保险关税差别的区域。即使每户住宅都有固定损失，红区政策也相对有效;如果损失与使用的地表成正比，则实现了最优的土地利用。主要研究结果是气候或人口变化对重新定义最佳红色区域的影响。我们揭露了一些貌似合理的案例，其中红色区域随着人口的增长而增长。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Geneva Risk and Insurance Review Multiple-

CiteScore

4.30

自引率

0.00%

发文量

期刊介绍： The Geneva Risk and Insurance Review (GRIR), the academic journal of The Geneva Association, is the flagship journal of the European Group of Risk and Insurance Economists (EGRIE). The GRIR publishes original research that advances our understanding of the economics of risk and uncertainty and the management thereof through insurance and other mechanisms. Specific focus areas include: the economics of insurance products and markets; decision theory under uncertainty; risk sharing or risk mitigation mechanisms for individuals, corporations, and society; market failures related to risk sharing and mitigation mechanisms, including those arising from information frictions and incentive problems; and the role of government in managing risk through regulation or social insurance provision. The GRIR emphasizes scientifically rigorous research that is well-grounded in economic theory, based on both neoclassical and behavioral approaches. This includes pure theoretical research, empirical or experimental research that aims to test, falsify, or otherwise elucidate existing theoretical work as well as applied theoretical research that is of direct applicability to practitioners and policymakers. The GRIR is well indexed, including EconLit, the Social Science Citation Index, and RePEC. Until June 2005, the Journal was published as "The Geneva Papers on Risk and Insurance Theory".