Insurance engagement in flood risk reduction – examples from household and business insurance in developed countries

摘要: Abstract. Insurance can be an important mechanism to stimulate flood risk reduction and thus decrease losses. However, there is a gap between the theoretical potential described by academic scholars and actual engagement of insurers. In analysis, I have collected examples of insurers' engagement in reduction, focusing on household business insurance in developed countries. Insurers engaged either directly, e.g., through co-financing or more indirectly giving incentives to policyholders governmental actors adopt measures. I analyzed their with framing conditions market they were acting in, such as penetration private public schemes. I found measures like awareness-raising campaigns targeting citizens quite common across several There was less insurance in warning land-use planning, which are perceived mainly tasks. The use of risk-based pricing incentive for adoption reduction measures suggested academia difficult practice, due barriers such information gaps effectiveness property-level protection measures requirements concerning affordability insurance. New approaches overcome these shortfalls include organized data collection on property-level protection high-risks for affordable premiums public–private partnership constellations the government.