Climate risk perceptions and demand for flood insurance
研究发现，对气候变化的担忧程度影响居民购买洪水保险的意愿和保额；在担心全球变暖的地区，自愿投保率更高，而不认为气候变化是风险的人更可能在保费上涨后退保。
Abstract The demand for flood insurance is low when the frequency and severity of flood disasters are increasing due to climate change. We show that beliefs about climate change influence homeowners' choice and level of flood insurance coverage. The demand for voluntary flood insurance coverage for homes and contents is higher in areas with more people who are worried about global warming. Property‐level analysis shows that individuals are more likely to terminate flood insurance after unanticipated premium increases if they do not perceive climate change as a risk. We use the heterogeneous impact of widening partisan polarization on climate change beliefs to rule out alternative explanations.