Earthquake Insurance in California: The Impacts of a Mandated Offer of Insurance on Residential Earthquake Insurance Purchase

这是一项关于加州购买地震保险的家庭的地理位置和人口特征的研究。将对加利福尼亚北部和南部有地震保险和没有地震保险的家庭样本的位置与地质特征（如靠近圣安德烈亚斯断层）进行比较，以确定逆向选择的存在。研究的这一部分将利用一个主要的地理信息系统来绘制5000个或更多家庭的位置，并将它们与地质特征和人口普查区信息进行比较。研究的第二部分将涉及对有保险和没有保险的家庭进行抽样调查，以便确定区分这两种人口的经济和人口特征。这两部分的研究将提供重要的基线数据，以便更好地了解家庭一级决策在购买地震保险方面的最新变化，并将提供信息，以制定更开明的政策。

This is a study of the location and demographic characteristics of households that have purchased earthquake insurance in California. The location of a sample of households with and without earthquake insurance for both northern and southern California will be compared with geologic characteristics (such as proximity to the San Andreas fault) to determine the existence of adverse selection. This portion of the study will utilize a major geographic information system to plot the location of 5000 or more households and compare them to geologic characteristics as well as census tract information. The second part of the study will involve a sample survey of households with and without insurance in order to ascertain the economic and demographic characteristics that differentiate these two populations. The two portions of the research will provide important baseline data upon which a better understanding of recent shifts in household-level decision-making with respect to earthquake insurance purchase will be obtained and will also provide information on which more enlightened policy can be based.