The demand for flood insurance: Empirical evidence
The demand for flood insurance: Empirical evidence
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DOI：
10.1023/a:1007823631497
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发表时间：
2000-05-01
影响因子：
4.7
通讯作者：
Hoyt, RE
中科院分区：
文献类型：
--
作者：
Browne, MJ;Hoyt, RE
尽管政府计划在许多情况下以低于公平市场成本的价格提供保险，但世界范围内发生的洪水损失在很大程度上仍然没有保险。本研究以1983年至1993年美国国家洪水保险计划（NFIP）的财务经验为基础，探讨洪水保险购买决策的假设性决定因素。实证分析支持了收入和价格是影响购买洪水保险决策的因素的假设。在国家一级的洪水保险购买被认为是高度相关的洪水损失的水平在国家在前一年。
Flood damages that occur worldwide remain largely uninsured losses despite the efforts of governmental programs that in many cases make insurance available at below fair market cost. The current study focuses on the financial experience of the United States' National Flood Insurance Program (NFIP) from 1983 through 1993 to examine the hypothetical determinants of the flood insurance purchasing decision. The empirical analysis supports the hypotheses that income and price are influential factors in one's decision to purchase flood insurance. Flood insurance purchases at the state level are found to be highly correlated with the level of flood losses in the state during the prior year.