The effect of disaster insurance on community resilience: a research agenda for local policy
The effect of disaster insurance on community resilience: a research agenda for local policy
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灾害保险对社区复原力的影响：地方政策的研究议程
DOI：
10.1080/14693062.2023.2170313
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发表时间：
2023
期刊：
影响因子：
7.1
通讯作者：
Kousky, Carolyn
中科院分区：
文献类型：
--
作者：
French, Karina;Kousky, Carolyn
气候灾害的风险激起了人们对有助于扩大拥有灾害保险的家庭数量，特别是经济弱势群体的公共政策的兴趣。近年来，地方政府考虑到社区对气候灾害的抵御能力，已开始考虑将保险计划作为其适应战略的一部分。然而，我们还没有一个强有力的研究来证明扩大家庭保险覆盖率是否以及如何影响气候灾难后社区范围内的恢复。填补这一灾害保险研究空白将更好地帮助公共部门领导人评估对保险计划的投资是否可以促进社区复原力目标，以及灾害保险何时是适当的气候适应工具。在本文中，我们通过现有的社区恢复框架评估了经验证据的状况，并提出了适合当地政策需求的未来研究议程。关键政策见解：政策制定者越来越有兴趣扩大拥有灾害保险的家庭数量，以在气候风险日益增加的情况下提供财务保护，但很少有证据表明家庭层面的保险如何影响社区层面的复原力结果。对此主题的扩展研究可以支持地方决策者设计有效和高效的政策，以支持社区从极端气候中恢复。未来的研究应该重点是测试更全面的灾难恢复措施，并将全球和国家研究缩小到地方规模。新兴的试点保险计划和实验性政策为研究地方层面的影响提供了新的机会。
The risk of climate disasters has spurred increased interest in public policies that help expand the number of households with disaster insurance, particularly for financially vulnerable populations. In recent years, local governments, concerned with their community’s resilience to climate disasters, have started to consider insurance programs as part of their adaptation strategies. However, we do not yet have a robust body of research that shows if, and how, expanded insurance take-up among households affects community-wide recovery after a climate disaster. Filling this disaster insurance research gap will better equip public sector leaders to assess if investments in insurance programs can further community resilience goals and when disaster insurance is an appropriate climate adaptation tool. In this article, we assess the state of empirical evidence through existing frameworks of community recovery and put forward an agenda for future research that is attuned to local policy needs.Key policy insights:There is increasing interest by policymakers in expanding the number of households with disaster insurance to provide financial protection in the face of increasing climate risks, but little evidence exists on how household-level insurance affects community-level resilience outcomes.Expanded research on this topic could support local decision-makers in designing effective and efficient policies to support community recovery from climate extremes.Future research should focus on testing more holistic disaster recovery measures and downscaling global and national research to the local scale.Emerging pilot insurance programs and experimental policies offer novel opportunities to study impacts at the local level.
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