Structure of the Residential Flood Insurance Market

Carolyn Kousky, Howard Kunreuther, Brett Lingle and Leonard Shabman
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Carolyn Kousky: Resources for the Future
Leonard Shabman: Resources for the Future

No 23-05, RFF Issue Briefs from Resources for the Future

Abstract: For the past 50 years, residential flood insurance in the United States has been almost exclusively provided by the NFIP. We estimate that private flood insurance currently accounts for roughly 3.5 to 4.5 percent of all primary residential flood policies purchased, but that share is growing. This brief describes the structure of the residential flood insurance market.

Date: 2018-08-01
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