Understanding the motivations of coastal residents to voluntarily purchase federal flood insurance
Understanding the motivations of coastal residents to voluntarily purchase federal flood insurance
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DOI：
10.1080/13669877.2015.1119179
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发表时间：
2017-01-01
影响因子：
5.1
通讯作者：
Blessing, Russell
中科院分区：
文献类型：
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作者：
Brody, Samuel D.;Highfield, Wesley E.;Blessing, Russell
联邦支持的洪水保险是美国居民为洪水做准备和恢复的主要机制。虽然关于洪水保险普遍普及的文献越来越多，但在解决促使居民自愿购买和维护基于联邦的保险单的因素方面所做的工作很少。我们通过对德克萨斯州和佛罗里达州四个地区的沿海居民进行调查来解决这个问题。基于调查结果，我们定量考察了影响位于百年一遇洪泛区以外的居民是否在不需要保险的情况下获得保单的因素。使用双样本t检验和二元Logistic回归分析控制多个情境和心理变量，我们从统计学上分离出影响购买保险决定的最大因素。我们的发现表明，自愿购买联邦洪水保险的100年洪泛区以外的居民平均可以被描述为受教育程度更高，住在相对昂贵的房子里，以及长期居住在相对较少考虑洪水风险但仍认为洪水保险相对负担得起的居民。出乎意料的是，受访者与洪水危险地区的实际距离对获得洪水保险的决定几乎没有明显的影响。
Federally-backed flood insurance is the primary mechanism by which residents in the United States (US) prepare for and recover from floods. While there is a growing literature on the general uptake of flood insurance, little work has been done to address the factors motivating residents to voluntarily buy and maintain federally-based insurance policies. We address this issue by conducting a survey of coastal residents in four localities in Texas and Florida. Based on survey responses, we quantitatively examine the factors influencing whether residents located outside of the 100-year floodplain obtain insurance policies when it is not required. Using two-sample t-tests and binary logistic regression analysis to control for multiple contextual and psychological variables, we statistically isolate the factors contributing most to the decision to purchase insurance. Our findings indicate that a resident located outside the 100-year floodplain who has voluntarily purchased federal flood insurance can be characterized, on average, as more highly educated, living in relatively expensive homes, and a long-time resident who thinks about flood hazard relatively infrequently but who, nonetheless, thinks flood insurance is relatively affordable. Unexpectedly, the physical proximity of a respondent to flood hazard areas makes little or no discernible difference in the decision to obtain flood insurance.