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，但仅占保费的47%-59%，表明需对高风险家庭提供财务援助。
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 100-year 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.