气候变化领域集成服务门户(CCPortal): Risk communication nudges and flood insurance demand

CCPortal

DOI	10.1016/j.crm.2021.100366
	Risk communication nudges and flood insurance demand
	Robinson P.J.; Botzen W.J.W.; Duijndam S.; Molenaar A.
发表日期	2021
ISSN	2212-0963
卷号	34
英文摘要	Losses caused by natural disasters have been increasing worldwide, and climate change is projected to continue this trend in the future. Insurance can be used by individuals to protect against the risk of natural disaster loss. However, individuals often purchase insufficient amounts of insurance against disaster risks, which may be due to them neglecting the likelihood of these risks which are perceived as falling below some threshold level of concern. Using choice architecture, such as alternative forms of risk communication, can nudge individuals to pay attention to natural disasters and increase insurance demand by raising perceived risk and facilitating the comprehension of low probabilities. In an online experiment, we tested whether reframing a low flood probability in terms of the cumulative likelihood across time, as well as whether visualizations of risk on ladders and grids may be effective in raising flood insurance demand. Our primary finding is that reframing of probabilities, especially in combination with the visual aids, generally raises (lowers) demand for flood insurance among younger (older) homeowners and those who are more (less) concerned about the consequences of climate change. Whereas, on average we find no significant impact on flood insurance demand of any of the risk communication tools tested either in isolation or combination. Based on these findings, we draw several lessons for risk communication. © 2021 The Author(s)
英文关键词	Climate change perceptions; Insurance demand; Natural disaster events; Nudge; Risk communication
语种	英语
来源期刊	Climate Risk Management
文献类型	期刊论文
条目标识符	http://gcip.llas.ac.cn/handle/2XKMVOVA/256119
作者单位	Department of Environmental Economics, Institute for Environmental Studies (IVM), VU University Amsterdam, De Boelelaan 1111, HV Amsterdam, 1081, Netherlands; Utrecht University School of Economics (U.S.E.), Utrecht University, P.O. Box 80125, TC Utrecht, 3508, Netherlands; Risk Management and Decision Processes Center, The Wharton School, University of Pennsylvania, Philadelphia, United States
推荐引用方式 GB/T 7714	Robinson P.J.,Botzen W.J.W.,Duijndam S.,et al. Risk communication nudges and flood insurance demand[J],2021,34.
APA	Robinson P.J.,Botzen W.J.W.,Duijndam S.,&Molenaar A..(2021).Risk communication nudges and flood insurance demand.Climate Risk Management,34.
MLA	Robinson P.J.,et al."Risk communication nudges and flood insurance demand".Climate Risk Management 34(2021).