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Modeling national flood insurance policy holding at the county scale in Florida, 1999-2005


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  • Zahran, Sammy
  • Weiler, Stephan
  • Brody, Samuel D.
  • Lindell, Michael K.
  • Highfield, Wesley E.
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    We analyze household flood insurance purchases in Florida from 1999 to 2005, and the extent to which household insurance purchases correspond with flood mitigation activities by local governments involved in the Federal Emergency Management Agency's (FEMA) Community Rating System (CRS). Regression results indicate that household flood insurance purchases correlate strongly with local government mitigation activities, adjusting for hazard experience, hazard proximity, and community demography. Policy implications of this observed relationship are discussed, assuming four temporal order and floodplain development scenarios, with particular attention to the congruence of outcomes relative to policy objectives.

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    Bibliographic Info

    Article provided by Elsevier in its journal Ecological Economics.

    Volume (Year): 68 (2009)
    Issue (Month): 10 (August)
    Pages: 2627-2636

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    Handle: RePEc:eee:ecolec:v:68:y:2009:i:10:p:2627-2636

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    Keywords: National Flood Insurance Program Florida Flood mitigation Community rating system Flood risk Moral hazard;


    References listed on IDEAS
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    1. David M. Drukker, 2003. "Testing for serial correlation in linear panel-data models," Stata Journal, StataCorp LP, StataCorp LP, vol. 3(2), pages 168-177, June.
    2. Browne, Mark J & Hoyt, Robert E, 2000. " The Demand for Flood Insurance: Empirical Evidence," Journal of Risk and Uncertainty, Springer, Springer, vol. 20(3), pages 291-306, May.
    3. Sanford Grossman & Oliver Hart, . "An Analysis of the Principal-Agent Problem," Rodney L. White Center for Financial Research Working Papers, Wharton School Rodney L. White Center for Financial Research 15-80, Wharton School Rodney L. White Center for Financial Research.
    4. Rappaport, Jordan & Sachs, Jeffrey D, 2003. " The United States as a Coastal Nation," Journal of Economic Growth, Springer, Springer, vol. 8(1), pages 5-46, March.
    5. Weiler, Stephan & Theobald, David, 2003. "Pioneers of Rural Sprawl in the Rocky Mountain West," The Review of Regional Studies, Southern Regional Science Association, Southern Regional Science Association, vol. 33(3), pages 264-83.
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