气候变化领域集成服务门户(CCPortal): How the USA can benefit from risk-based premiums combined with flood protection

CCPortal

DOI	10.1038/s41558-022-01501-7
	How the USA can benefit from risk-based premiums combined with flood protection
	de Ruig, Lars T.; Haer, Toon; de Moel, Hans; Brody, Samuel D.; Botzen, W. J. Wouter; Czajkowski, Jeffrey; Aerts, Jeroen C. J. H.
发表日期	2022
ISSN	1758-678X
EISSN	1758-6798
起始页码	995
结束页码	+
卷号	12 期号:11 页码:11
英文摘要	Flood risk management in the USA is largely embedded in the National Flood Insurance Program (NFIP). Climate change and increasing exposure in flood plains pose a challenge to flood risk managers and make it vital to reduce risk in the future. The proposed reforms are steering the NFIP to risk-based premiums, but it is uncertain if the reforms will result in unaffordability and incentivize risk-reduction investments or how the NFIP is affected by large-scale adaptation efforts. Using an agent-based model approach for current and future scenarios, we demonstrate that risk-based premiums will yield a positive societal benefit (US$10 billion) because they will incentivize household risk-reduction investments. Moreover, our results show that proactive investment in large-scale adaptation measures complements a transition to risk-based premiums to yield a higher overall societal benefit (US$26 billion). We suggest that transitioning the NFIP to risk-based premiums can only be secured by additional investments in large-scale flood protection infrastructure. The National Flood Insurance Program is a key tool for managing growing flood risk in the USA. This research shows that premiums based on local risk, rather than national averages, will generate large societal benefits, and investments in large-scale adaptation infrastructure will enhance these impacts.
学科领域	Environmental Sciences; Environmental Studies; Meteorology & Atmospheric Sciences
语种	英语
WOS研究方向	Environmental Sciences & Ecology ; Meteorology & Atmospheric Sciences
WOS记录号	WOS:000871310800002
来源期刊	NATURE CLIMATE CHANGE
文献类型	期刊论文
条目标识符	http://gcip.llas.ac.cn/handle/2XKMVOVA/274119
作者单位	Vrije Universiteit Amsterdam; Texas A&M University System; University of Pennsylvania; Utrecht University; Deltares
推荐引用方式 GB/T 7714	de Ruig, Lars T.,Haer, Toon,de Moel, Hans,et al. How the USA can benefit from risk-based premiums combined with flood protection[J],2022,12(11):11.
APA	de Ruig, Lars T..,Haer, Toon.,de Moel, Hans.,Brody, Samuel D..,Botzen, W. J. Wouter.,...&Aerts, Jeroen C. J. H..(2022).How the USA can benefit from risk-based premiums combined with flood protection.NATURE CLIMATE CHANGE,12(11),11.
MLA	de Ruig, Lars T.,et al."How the USA can benefit from risk-based premiums combined with flood protection".NATURE CLIMATE CHANGE 12.11(2022):11.