期刊
JOURNAL OF RISK AND INSURANCE
卷 78, 期 2, 页码 361-388出版社
WILEY-BLACKWELL
DOI: 10.1111/j.1539-6975.2010.01380.x
关键词
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P>We explore determinants of flood insurance demand in the coastal zone using micro-data for nine Southeastern counties. Overall estimates indicate price inelastic demand, though subsidized policyholders have greater coverage and are more price sensitive. Mortgage borrowers exhibit no greater coverage; only 12 percent in 100-year flood zone indicate flood insurance was required by their lender. Flood insurance demand is increasing in the levels of flood and erosion risk. We find a positive correlation between household income and coverage, but the effect is not monotonic. Community-level erosion hazard mitigation projects influence flood insurance coverage, with beach replenishment acting as a complement.
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