中文版 | English
G2TT
来源类型Report
规范类型报告
A Proposed Design for Community Flood Insurance
Carolyn Kousky; Leonard A. Shabman
发表日期2015-12-10
出版年2015
页码31 pp.
语种英语
概述

Many areas in the United States are vulnerable to floods, but the purchase of flood insurance remains low. Community flood insurance could help bolster community resilience and increase coverage for floodplain residents.

结论
  • People who buy insurance are better able to recover after a flood event because claims payments can be larger and timelier than relying on federal disaster aid, but many people at risk do not buy flood insurance.
  • Community flood insurance is a single policy, purchased by a local governmental or quasi-governmental body, which provides coverage to a large group of properties.
  • Community insurance can draw on principles of parametric insurance to reduce costs—savings which can be passed on to the community.
  • The proposed community policy design makes it attractive for both communities and insurers. However, moving from concept to implementation will require engagement by both groups to increase understanding of the concept and make refinements as needed.
    • 主题Risk and Uncertainty
    子主题Insurance ; Natural Disasters and Extreme Events
    URLhttp://www.rff.org/research/publications/proposed-design-community-flood-insurance
    来源智库Resources for the Future (United States)
    资源类型智库出版物
    条目标识符http://119.78.100.153/handle/2XGU8XDN/39458
    推荐引用方式
    GB/T 7714    		 Carolyn Kousky,Leonard A. Shabman. A Proposed Design for Community Flood Insurance. 2015.
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