Learning from experience: Flooding and insurance take‐up in the flood zone and its periphery
研究了特大洪水事件后，洪泛区（SFHA）内外的居民购买洪水保险的变化，发现周边地区保险购买增长持久，而区内增长三年后消失，表明首次经历洪水会改变风险认知。
Abstract Flood insurance take‐up remains low outside of the 100‐year flood zone (SFHA), where purchasing insurance is entirely voluntary, despite the availability of affordable policies. Merging building footprints and inundation data for a large‐scale flooding episode, we document substantial flood risk in the periphery of the SFHA and show that the storm led to large increases in take‐up. But, while in the SFHA, the increase vanished after 3 years, it was highly persistent in the periphery. The extent of flooding and the type of policies purchased indicate that periphery residents who experienced flooding for the first time revised upwardly their beliefs about flood risk and began purchasing flood insurance. We also argue that increased granularity in flood risk communication could increase take‐up before catastrophic flooding occurs.