Natural disasters, land-use, and insurance

Bertrand Villeneuve and Celine Grislain-Letremy

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Abstract: This paper addresses the urbanization of areas exposed to natural disasters and studies its dependency on land-use and insurance policies. In practice, we observe simple policies, consisting of a prohibited red zone and a zone without insurance tariff differentiation. Even if there are fixed damages per dwelling, the red-zone policy is relatively efficient; it implements the optimal land-use if the losses are proportional to the surface used. The main results are on the effects redefining the optimal red zone as the climate or the population changes. We expose plausible cases in which the red zone grows with a growing population.

Keywords: Natural disasters; Insurance; Land-use; regulation; Climate change (search for similar items in EconPapers)
Date: 2019
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Citations: View citations in EconPapers (1)

Published in Geneva Risk and Insurance Review, 2019, 44 (1), ⟨10.1057/s10713-018-0032-0⟩

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Journal Article: Natural disasters, land-use, and insurance (2019)
Journal Article: Natural disasters, land-use, and insurance (2019)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-02281595

DOI: 10.1057/s10713-018-0032-0

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