Free access to paper on National Flood Insurance Program


  • Author: Statistics Views
  • Date: 23 April 2018

Each week, we select a recently published article and provide free access. This week's is from the The Journal of Risk and Insurance and is available from Early View.

Does National Flood Insurance Program Participation Induce Housing Development?

Mark J. Browne, Carolyn A. Dehring, David L. Eckles and William D. Lastrapes

The Journal of Risk and Insurance, Early View


The introduction is provided below:

thumbnail image: Free access to paper on National Flood Insurance Program

We estimate the effects on county‐wide housing development in Florida of community‐level participation in the National Flood Insurance Program using panel data methods and observed variation in the timing of the decision to join the program. We find that program participation “increased” housing starts and permits in noncoastal counties, while coastal counties with average flood zone acreage saw significant “declines” in housing activity. We conjecture that loss‐mitigating regulatory costs, an obligation of obtaining insurance, might explain these findings.

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