The Willingness to Pay for Flood Insurance
通过陈述偏好调查，首次在美国测度居民对洪水保险的支付意愿，发现其随洪水风险和风险感知增加，但洪泛区居民支付意愿仅为保费中位数的47%-59%，表明需要为无力负担风险定价保费的受灾家庭提供财务援助。
Flooding is the natural disaster that causes the most damage. Postflood, many families are not insured and do not have sufficient savings for rebuilding, and governmental aid can be limited. We undertake, using a stated preference survey, the first willingness-to-pay (WTP) elicitation for flood insurance in the United States. WTP increases with modeled flood risk and flood-risk perceptions. WTP for residents in our study area's 100year floodplain is 47% to 59% of the median flood insurance premium, which suggests the need for financial assistance for families who are at risk of flood damage and are unable to afford risk-based premiums.