气候变化领域集成服务门户(CCPortal): Climate-proofing the National Flood Insurance Program

CCPortal

DOI	10.1038/s41558-022-01502-6
	Climate-proofing the National Flood Insurance Program
	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	975
结束页码	976
卷号	12 期号:11 页码:2
英文摘要	Reforms are required to maintain a healthy and robust flood insurance market under future climate conditions for the United States. Therefore, policymakers should implement premiums that reflect flood risk and incentivize household-level risk reduction, complemented with regional flood adaptation investments. Messages for policy Charging flood insurance premiums that reflect true flood risk incentivizes flood risk reduction by policyholders, thereby reducing residential flood risk across the United States moving forward in time. Risk-based premiums introduce substantial heterogeneity in premiums at a localized flood risk scale, which is beneficial for some households but implies unaffordability for others. The combined effects from introducing risk-based premiums to incentivize individual building risk reduction results in a positive societal impact. Complementing risk-based premiums with large-scale, regional adaptation investments by the government results in the highest societal benefit. Investing in flood protection infrastructure will reduce some of the equity issues that arise when solely moving to risk-based premiums.
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:000871310800003
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/274264
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. Climate-proofing the National Flood Insurance Program[J],2022,12(11):2.
APA	de Ruig, Lars T..,Haer, Toon.,de Moel, Hans.,Brody, Samuel D..,Botzen, W. J. Wouter.,...&Aerts, Jeroen C. J. H..(2022).Climate-proofing the National Flood Insurance Program.NATURE CLIMATE CHANGE,12(11),2.
MLA	de Ruig, Lars T.,et al."Climate-proofing the National Flood Insurance Program".NATURE CLIMATE CHANGE 12.11(2022):2.