Risk Perceptions and Flood Insurance: Insights from Homeowners on the Georgia Coast
Risk Perceptions and Flood Insurance: Insights from Homeowners on the Georgia Coast
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DOI：
10.3390/su122410372
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发表时间：
2020-12
期刊：
影响因子：
3.9
通讯作者：
C. Landry;Dylan Turner
中科院分区：
文献类型：
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作者：
C. Landry;Dylan Turner
学者们强调了众多可能影响个体在风险下决策的因素。利用调查数据，我们探究了许多影响风险认知和保护行为的潜在因素。我们的重点是佐治亚州沿海地区，相较于美国东南部其他地区，这里历史上风险较低，许多人认为这里相对安全，但近期受到了两场重大风暴的不利影响。结果表明，大多数沿海居民预计沿海风暴和其他灾害在未来会更加严重。回归结果显示，感知到的损失、风险承受能力、财富暴露程度以及洪泛区是购买洪水保险的有力决定因素。其他因素，如对洪泛区的认知以及对社区风险管理措施（如海岸线加固、海滩补沙和沿海后退）的态度，也被表明与购买洪水保险高度相关。
Scholars highlight a wide array of factors that can influence individual decision-making under risk. Utilizing survey data, we explore many potential factors that affect risk perception and protective behaviors. Our focus is on coastal Georgia, which has lower historical risk relative to the rest of the Southeast U.S., and which many people perceive as relatively safe, but was recently adversely affected by two major storms. The results indicate a majority of coastal residents expect coastal storms and other hazards to be worse in the future. The regression results suggest perceived damages, risk tolerance, wealth exposure, and flood zone are robust determinants of flood insurance purchase. Other factors, like flood zone awareness and attitudes towards community risk management initiatives—like shoreline armoring, beach replenishment, and coastal retreat—are also indicated to have a high correlation with flood insurance purchase.