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Climate Change and Risk Management: Challenges for Insurance, Adaptation, and Loss Estimation

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Author Info
Kousky, Carolyn () (Resources for the Future)
Cooke, Roger M. () (Resources for the Future)
Abstract

Adapting to climate change will not only require responding to the physical effects of global warming, but will also require adapting the way we conceptualize, measure, and manage risks. Climate change is creating new risks, altering the risks we already face, and also, importantly, impacting the interdependencies between these risks. In this paper we focus on three particular phenomena of climate related risks that will require a change in our thinking about risk management: global micro-correlations, fat tails, and tail dependence. Consideration of these phenomena will be particularly important for natural disaster insurance, as they call into question traditional methods of securitization and diversification.

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Paper provided by Resources For the Future in its series Discussion Papers with number dp-09-03.

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Date of creation: 04 Feb 2009
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Handle: RePEc:rff:dpaper:dp-09-03

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Related research
Keywords: tail dependence; micro-correlations; fat tails; damage distributions; climate change;

Find related papers by JEL classification:
Q54 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Climate; Natural Disasters
G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies
C02 - Mathematical and Quantitative Methods - - General - - - Mathematical Economics

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This page was last updated on 2009-11-26.


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