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3 résultats pour « flood insurance »

Barriers to Insurance Innovation

11 sept. 2024 Autre, insurance, regulation, reinsurance, innovation, flood insurance, contracts, risk transfer

The lack of risk transfer stems from structural forces that deter innovation in insurance policies, leading to inefficient risk management and hindering market development. Policy responses can help address these issues.

Pareto‑Optimal Peer‑to‑Peer Risk Sharing with Robust Distortion Risk Measures

10 sept. 2024 flood insurance, distortion risk measures, decentralized risk-sharing, probabilistic risk aversion, Pareto optimality, Quantification des risques, Risk quantification

The paper explores Pareto optimality in decentralized peer-to-peer risk-sharing markets using robust distortion risk measures. It characterizes optimal risk allocations, influenced by agents' tail risk assessments. Using flood risk insurance as an example, the study compares decentralized and centralized market structures, highlighting benefits and drawbacks of decentralized insurance.

Flood Insurance Purchasing Behavior in Two Gulf Coast Communities

29 mars 2024 Autre, flood insurance, Path Analysis, Risk Perceptions, Flood Hazards, Regression, Hazard Mitigation

“We determined that vulnerable residents who are at high risk for flood hazards with low financial resiliency most need flood insurance but are least likely to own it. In addition, residents who voluntarily own flood insurance are most influenced by the cost of coverage and do not generally apply perceptions of coastal hazard risk when making decisions to purchase flood insurance.”

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