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Experimental Evidence for Coverage Preferences in flood insurance

International Journal of Disaster Risk Science 2022年第2期13卷 178-189页

作者： J.Connor Darlington Niko Yiannakoulias School of Earth.Environment and Society McMaster UniversityHamilton.ON L8S 4K1Canada

We used a hypothetical choice experiment to estimate the effect of dwelling value and coverage limits on the probability of purchasing flood insurance while holding the probability of flooding and insurance price constant. The results indicate that demand for flood insurance is negatively associated with the amount of insurance coverage. For people assigned higher-valued dwellings, however, the opposite effect is observed. Since more coverage is generally preferred to less, all else being equal, differences in purchase probability dependent on dwelling value indicate an inconsistent approach to home protection. The higher probability of purchasing flood insurance from people in higher-valued dwellings may indicate an investment into the home as a financial asset, a strategy that is not observed to the same extent among people in lower-valued dwellings. This suggests that use of coverage limits may be differentially preferred based on dwelling value, such that low coverage insurance may have lower uptake for those in high-valued dwellings. As Canada evaluates a national flood insurance program, this research suggests that variable coverage maximums could be a way to increase accessibility and uptake of *** research shows an inconsistent demand for flood insurance, dependent on dwelling value and independent of income.

关键词： Canada flood insurance insurance choice experiment Willingness-to-buy

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Barriers to insurance as a flood Risk Management Tool:Evidence from a Survey of Property Owners

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International Journal of Disaster Risk Science 2020年第3期11卷 263-273页

作者： Jason Thistlethwaite Daniel Henstra Craig Brown Daniel Scott School of Environment Enterprise and DevelopmentUniversity of WaterlooWaterlooON N2L 3G1Canada Department of Political Science University of WaterlooWaterlooON N2L 3G1Canada Climate Change and Health Adaptation Planning Vancouver Coastal HealthVancouverBC V5Z 4C2Canada Department of Geography and Environmental Management University of WaterlooWaterlooON N2L 3G1Canada

By using risk-adjusted price signals to transfer responsibility for property-level flood protection and recovery from governments to property owners,flood insurance represents a key tenet of the flood risk management(FRM)*** Government of Canada has worked with insurers to introduce flood insurance for the first time as a part of a broader shift towards FRM to limit the growing costs of *** viability of flood insurance in Canada,however,has been questioned by research that disputes the utility of purchasing coverage by property *** study tested this assumption by drawing on public opinion survey data to assess factors that influence decisions about the utility of *** findings reveal that Canadians have limited knowledge of flood insurance coverage,exhibit a low willingness-to-pay for both insurance and property-level flood protection measures,and expect governments to shoulder much of the financial burden of flood recovery through disaster assistance.

关键词： flood insurance flood risk management Risk-sharing Willingness-to-pay

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我国洪水保险设立模式探讨

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金融与保险 2011年第1期 68-73页

作者：张琳邵月琴

我国是洪水灾害频发的国家，每年由于洪涝灾害所造成的直接经济损失不断攀升，对我国的经济发展和社会稳定造成了极大的威胁。因此，建立一个行之有效的洪水保险已迫在眉睫。本文在对国际上现有的洪水保险模式总结分析的基础上，结合我... 详细信息

我国是洪水灾害频发的国家，每年由于洪涝灾害所造成的直接经济损失不断攀升，对我国的经济发展和社会稳定造成了极大的威胁。因此，建立一个行之有效的洪水保险已迫在眉睫。本文在对国际上现有的洪水保险模式总结分析的基础上，结合我国的基本国情，指出了当前我国建立洪水保险所面临的经济可行性、风险分散性和调动三方积极性的问题，并针对我国经济发展水平和洪水保险发展的不同阶段，提出了我国洪水保险应以小额保险先行，逐步过渡到强制性补偿保险，最后推广为指数化保险的“三步走”战略。

关键词：洪水保险小额保险 “三步走”战略 flood insurance micro-insurance "3-step" strategy

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