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Wybrane czynniki podejścia gospodarstw domowych do ubezpieczania ryzyka powodziowego w świetle badań ankietowych

Author

Listed:
  • Patrycja Kowalczyk-Rólczyńska
  • Maria Forlicz
  • Łukasz Kuźmiński
  • Michał Nadolny
  • Zdzisław Kes

Abstract

Powodzie występujące na całym świecie powodują szkody szacowane na setki miliardów dolarów, a zmiany klimatu wpływają na wzrost ich dotkliwości. W konsekwencji powstaje presja na wykorzystywanie narzędzi ograniczających ryzyka związane ze skutkami takich katastrof naturalnych. Literatura wskazuje, że dostępne formy transferu ryzyka powodziowego w ujęciu finansowym są wykorzystywane w ograniczonym zakresie przez gospodarstwa domowe. Celem niniejszego artykułu jest identyfikacja czynników wpływających na postawy ubezpieczeniowe w kontekście ubezpieczenia ryzyka powodziowego. Badania koncertują się na odpowiedzi na pytania: czy skłonność do ubezpieczania się od ryzyka powodziowego zależy od bogactwa gospodarstwa domowego, czy ubezpieczeni i nieubezpieczeni mają inny stosunek do udzielania osobom poszkodowanym w powodzi pomocy publicznej oraz jak osoby ubezpieczone postrzegają koszt polisy od zagrożeń powodzią. W opisanych badaniach wykorzystano narzędzie badawcze w postaci kwestionariusza ankiety, który został wypełniony przez 657 mieszkańców domów jednorodzinnych zlokalizowanych na obszarach, na których w latach 2015–2020 doszło do zdarzeń powodziowych.

Suggested Citation

  • Patrycja Kowalczyk-Rólczyńska & Maria Forlicz & Łukasz Kuźmiński & Michał Nadolny & Zdzisław Kes, 2025. "Wybrane czynniki podejścia gospodarstw domowych do ubezpieczania ryzyka powodziowego w świetle badań ankietowych," Ekonomista, Polskie Towarzystwo Ekonomiczne, issue 4, pages 545-563.
    • Handle: RePEc:aoq:ekonom:y:2025:i:4:p:545-563
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    References listed on IDEAS

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    1. Browne, Mark J & Hoyt, Robert E, 2000. "The Demand for Flood Insurance: Empirical Evidence," Journal of Risk and Uncertainty, Springer, vol. 20(3), pages 291-306, May.
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    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • H84 - Public Economics - - Miscellaneous Issues - - - Disaster Aid
    • Q59 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Other
    • R29 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Other
    • R59 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Other

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