Flood Insurance and Risk Reduction: Market Penetration, Coverage, and Mitigation in Coastal North Carolina
Flood Insurance and Risk Reduction: Market Penetration, Coverage, and Mitigation in Coastal North Carolina
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洪水保险和降低风险：北卡罗来纳州沿海地区的市场渗透、覆盖范围和缓解措施
DOI：
10.1002/soej.12332
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发表时间：
2019
影响因子：
1.9
通讯作者：
C. Landry
中科院分区：
文献类型：
--
作者：
Mona Ahmadiani;Susana Ferreira;C. Landry
本文概述了美国的洪水风险管理，重点介绍了国家洪水保险计划和旨在促进减轻洪水灾害的社区评级系统(CRS)。我们回顾了考察市场渗透率和洪水保险需求的实证文献，以及影响社区参与CRS的因素。结合1998年和2008年在北卡罗来纳州戴尔县进行的不同(但类似)调查的数据，我们检验了洪水保险持有量的趋势，并使用回归分析探索广泛(二元参与)和密集(覆盖水平)利润率。我们探讨了戴尔县CRS缓解活动的趋势，并讨论了分析这些数据的潜在困难。最后，我们强调了未来研究的途径。
This article provides an overview of flood risk management in the United States, focusing on the National Flood Insurance Program and the Community Ratings System (CRS), which is designed to promote flood hazard mitigation. We review the empirical literature that examines market penetration and demand for flood insurance, as well as factors that influence community participation in CRS. Combining data from separate (but similar) surveys conducted in Dare County, North Carolina in 1998 and 2008, we examine trends in flood insurance holdings and explore the extensive (binary participation) and intensive (coverage level) margins using regression analysis. We explore trends in CRS mitigation activities in Dare County and discuss potential difficulties in analyzing these data. Finally, we highlight avenues for future research.