| 来源类型 | Article |
| 规范类型 | 其他 |
| DOI | 10.1111/risa.12881 |
| Insurance, public assistance and household flood risk reduction: A comparative study of Austria, England and Romania. | |
| Hanger-Kopp S; Bayer J; Surminski S; Nenciu C; Lorant A; Ionescu R; Patt A | |
| 发表日期 | 2017 |
| 出处 | Risk Analysis |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | In light of increasing losses from floods many researchers and policy makers are looking for ways to encourage flood risk reduction among communities, business, and households. In this study we investigate risk reduction behavior at the household level in three European Union (EU) Member States with fundamentally different insurance and compensation schemes. We try to understand if and how insurance and public assistance influence private risk reduction behavior. Data was collected using a telephone survey (n=1,849) of household decision makers in flood-prone areas. We show that insurance overall is positively associated with private risk reduction behavior. Warranties, premium discounts, and information provision with respect to risk reduction may be an explanation for this positive relationship in the case of structural measures. Public incentives for risk-reduction measures by means of financial and in-kind support, and particularly through the provision of information are also associated with enhancing risk reduction. In this study public compensation is not negatively associated with private risk reduction behavior. This does not disprove such a relationship, but the negative effect may be mitigated by factors related to respondent’s capacity to implement measures or social norms that were not included in the analysis. The data suggests that large-scale flood protection infrastructure creates a sense of security that is associated with a lower level of preparedness. Across the board there is ample room to improve both public and private policies to provide effective incentives for household level risk reduction. |
| 主题 | Risk & ; Resilience (RISK) ; Risk, Policy and Vulnerability (RPV) |
| 关键词 | flood insurance, public incentive, moral hazard, risk reduction, climate change adaptation |
| URL | http://pure.iiasa.ac.at/id/eprint/14737/ |
| 来源智库 | International Institute for Applied Systems Analysis (Austria) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/130924 |
| 推荐引用方式 GB/T 7714 | Hanger-Kopp S,Bayer J,Surminski S,et al. Insurance, public assistance and household flood risk reduction: A comparative study of Austria, England and Romania.. 2017. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| Hanger_et_al-2017-Ri（940KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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