美联储洪水风险图与气候信息的分布影响

This paper examines the impact of flood risk mapping on residential flood insurance take-up in the US. The author finds that updated maps decreased the number of properties zoned in high-risk floodplains and incorrectly omitted five million properties, primarily in neighborhoods with more Black and Hispanic residents. The author estimates that these maps decreased flood insurance take-up and exacerbated racial disparities in insurance coverage. The author suggests that correcting flood maps could increase welfare by $20 billion annually.

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