This article argues that the United States experiences the highest per-capita flood losses among industrialized nations and attributes this to federal flood risk governance that has resisted adaptive reforms seen elsewhere. It presents a multi-criteria framework to assess governance quality and compares the National Flood Insurance Program with systems in other countries. Based on qualitative analysis of legal and policy documents, the study assigns a low adaptive governance score (1.9/5). It identifies key institutional barriers and highlights missing policy revision cycles and long-term planning. The paper proposes reform principles and situates findings within debates on climate resilience and governance.
This paper analyzes UK home insurance data (2009–2024) to examine how premiums and coverage adjust to flood risk. It reports that properties experiencing a nearby flood are significantly more likely to have flood coverage excluded the following year. The study finds that, before a government–industry risk-sharing scheme, higher-risk properties faced higher premiums and substantially greater exclusion rates than lower-risk ones. After the scheme’s introduction, premium differences decreased, but higher-risk properties continued to experience notably higher rates of flood coverage exclusion.
Ce jeu de données publié par la DREES présente les montants de cotisations et de prestations des organismes privés d’assurance (mutuelles, sociétés d’assurance, institutions de prévoyance) pour la couverture des risques sociaux : santé, prévoyance et retraite. Il s’appuie notamment sur les données de l’ACPR et des enquêtes de la DREES. Disponible depuis 2011 et enrichi à partir de 2021, il détaille les flux financiers par type d’organisme, de contrat et de risque. Il met en évidence le poids des risques sociaux, qui représentent environ un tiers de l’activité assurantielle, dominée par la santé.