We present a theory of the demand for flood insurance and empirically analyze the effects of the adoption of Risk … Rating 2.0, using individual insurance histories for all NFIP policies. The reform increased exit and reduced entry, both in … the flood zone and its periphery. The reform had highly heterogeneous effects on insurance costs and triggered adjustments …

and proximity. Additionally, these cyclones prompt individuals to acknowledge the significance of home-related insurance … and actively seek coverage. Alongside long-distance domestic migration, insurance acquisition emerges as another … among these coping strategies depends on factors such as cyclone severity, age, prior homeownership, income, insurance …

and proximity. Additionally, these cyclones prompt individuals to acknowledge the significance of home-related insurance … and actively seek coverage. Alongside long-distance domestic migration, insurance acquisition emerges as another … among these coping strategies depends on factors such as cyclone severity, age, prior homeownership, income, insurance …

In this paper, we introduce a model to study the interaction between insurance and banking. We build on the Federal … Crop Insurance Act of 1980, which significantly expanded and restructured the decades-old federal crop insurance program … our model. Banks increased lending to the agricultural sector in counties with higher insurance coverage after 1980, even …