经验教训:洪涝区及其周边地区的洪水和保险承担情况

IF 2.1 3区 经济学 Q2 BUSINESS, FINANCE
Ivan Petkov, Francesc Ortega
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引用次数: 0

摘要

在百年一汛区(SFHA)以外的地区,洪水保险的覆盖率仍然很低,尽管有负担得起的保险,但购买保险完全是自愿的。结合大规模洪水事件的建筑足迹和淹没数据,我们记录了SFHA外围的大量洪水风险,并表明风暴导致了大量增加。但是,在SFHA中,这种增加在3年后消失,而在外围地区则高度持续。洪水的程度和购买的保险类型表明,第一次经历洪水的周边居民向上修正了他们对洪水风险的信念,并开始购买洪水保险。我们还认为,增加洪水风险沟通的粒度可以增加灾难性洪水发生前的接受度。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Learning from experience: Flooding and insurance take-up in the flood zone and its periphery

Flood insurance take-up remains low outside of the 100-year flood zone (SFHA), where purchasing insurance is entirely voluntary, despite the availability of affordable policies. Merging building footprints and inundation data for a large-scale flooding episode, we document substantial flood risk in the periphery of the SFHA and show that the storm led to large increases in take-up. But, while in the SFHA, the increase vanished after 3 years, it was highly persistent in the periphery. The extent of flooding and the type of policies purchased indicate that periphery residents who experienced flooding for the first time revised upwardly their beliefs about flood risk and began purchasing flood insurance. We also argue that increased granularity in flood risk communication could increase take-up before catastrophic flooding occurs.

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来源期刊
CiteScore
3.50
自引率
15.80%
发文量
43
期刊介绍: The Journal of Risk and Insurance (JRI) is the premier outlet for theoretical and empirical research on the topics of insurance economics and risk management. Research in the JRI informs practice, policy-making, and regulation in insurance markets as well as corporate and household risk management. JRI is the flagship journal for the American Risk and Insurance Association, and is currently indexed by the American Economic Association’s Economic Literature Index, RePEc, the Social Sciences Citation Index, and others. Issues of the Journal of Risk and Insurance, from volume one to volume 82 (2015), are available online through JSTOR . Recent issues of JRI are available through Wiley Online Library. In addition to the research areas of traditional strength for the JRI, the editorial team highlights below specific areas for special focus in the near term, due to their current relevance for the field.
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