洪水损失的融资:国家洪水保险计划的探讨

ERN: Other Econometrics: Applied Econometric Modeling in Financial Economics (Topic) Pub Date : 2017-02-14 DOI:10.2139/SSRN.2947917

C. Kousky

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引用次数: 104

摘要

隶属于联邦紧急事务管理局(FEMA)的国家洪水保险计划(NFIP)为家庭和企业提供洪水保险已有近50年的历史。本文分析了NFIP的五个方面:(1)风险建模和风险沟通;(2)公共和私营部门的作用;(三)吸收率;(4)降低风险的激励措施;(5)特大洪涝灾害的费率设定与融资。讨论了改革建议。

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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Financing Flood Losses: A Discussion of the National Flood Insurance Program

The National Flood Insurance Program (NFIP), housed in the Federal Emergency Management Agency (FEMA), has been providing flood insurance to households and businesses for almost 50 years. To inform the policy discussion leading up to reauthorization, this paper analyzes five aspects of the NFIP: (1) risk modeling and risk communication; (2) the roles of the public and private sector; (3) take-up rates; (4) incentives for risk reduction; and (5) rate setting and the financing of catastrophic flood events. Suggestions for reform are discussed.

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ERN: Other Econometrics: Applied Econometric Modeling in Financial Economics (Topic)

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