Writings

Insurance and Risk Transfer

• Kousky, C. and L. Medders (2024). The Evolution of Florida’s Public-Private Approach to Property Insurance. Florida Policy Project, Environmental Defense Fund, and Appalachian State University, April.

• You, X. and C. Kousky (2024). “Improving Household and Community Disaster Recovery: Evidence on the Role of Insurance.” Journal of Risk and Insurance, 91(2): 299-338.

• Kousky, C. and J. W. Lockwood (2024). “Leveraging Insurance for Decarbonization.” Journal of Catastrophe Risk and Resilience, February.

• Mulder, P. and C. Kousky (2023). “Risk Rating without Information Provision.” AEA Papers and Proceedings, 113: 299-303.

• Kousky, C. and K. French (2023). Inclusive Insurance for Climate-Related Disasters: A Roadmap for the United States. Boston, Ceres: January.

• French, K. and C. Kousky (2021). “The Effect of Disaster Insurance on Community Resilience: A Research Agenda for Local Policy. Climate Policy. DOI: 10.1080/14693062.2023.2170313

• Conell-Price, L., C. Kousky, and H. Kunreuther (2022). "Encouraging Resiliency Through Auto-Enrollment in Supplemental Flood Insurance Coverage." Journal of Risk and Insurance.

• Bradt, J., C. Kousky, and O. Wing (2021). “Voluntary Purchases and Adverse Selection in the Market for Flood Insurance.” Journal of Environmental Economics and Management 110 (October): 102515.

• Netusil, N. R., C. Kousky, S. Neupane, W. Daniel, and H. Kunreuther (2021). “The Willingness to Pay for Flood Insurance.” Land Economics. doi: 10.3368/wple.97.1.110819-0160R1

• Kousky, C. (2019). “The Role of Natural Disaster Insurance in Recovery and Risk Reduction.” Annual Review of Resource Economics 11(3).

• Kousky, C. (2018). “Financing Flood Losses: A Discussion of the National Flood Insurance Program.” Risk Management and Insurance Review. 21(1): 11-32.

• Kousky, C., P. Raschky, and E. Michel-Kerjan (2018). “Does Federal Disaster Assistance Crowd Out Flood Insurance?” Journal of Environmental Economics and Management. 87: 150-164.

• Kousky, C., B. Lingle, and L. Shabman (2017). “The Pricing of Flood Insurance.” Journal of Extreme Events. 4(2): 1750001.

• Kousky, C. (2017).  “Disasters as Learning Experiences or Disasters as Policy Opportunities?  Examining Flood Insurance Purchases after Hurricanes.” Risk Analysis 37(3): 517-530.

• Kousky, C. (2017). Revised Risk Assessments and the Insurance Industry. In: Policy Shock: Regulatory Responses to Oil Spills, Nuclear Accidents, and Financial Crashes, ed Balleisen, E., L. Bennear, K. Krawiec, and J. Wiener. Cambridge University Press: 58-81.

• Kousky, C. and R. Cooke (2012). “Explaining the Failure to Insure Catastrophic Risks.” The Geneva Papers on Risk and Insurance - Issues and Practice, 37(2): 206-227.

• Kousky, C. (2011). “Managing Natural Catastrophe Risk: State Insurance Programs in the United States.” Review of Environmental Economics and Policy, 5(1): 153-171.

Climate Adaptation

• Kousky, C., H. Kunreuther, S. Xian, and N. Lin (2021). “Adapting our Flood Risk Policies to Changing Conditions.” Risk Analysis 41(10): 1739-1743. https://doi.org/10.1111/risa.13692

• Epanchin-Niell, R., C. Kousky, A. Thompson, and M. Walls (2016). “Threatened Protection: Sea Level Rise and Coastal Protected Lands of the Eastern United States.” Ocean and Coastal Management. 137(March 1):118-130.

• Kousky, C. (2014). “Managing Shoreline Retreat: A US Perspective,” Climatic Change. 124(1): 9-20.

Climate Fiscal Impacts

• Gilmore, E. A., C. Kousky, and T. St. Clair (2022). “Climate Change Will Increase Local Government Fiscal Stress in the US.” Nature Climate Change.

• Liao, Y. and C. Kousky (2022). “The Fiscal Impacts of Wildfires on California Municipalities.” Journal of the Association of Environmental and Resource Economists.

Flood and Disaster Risk

• Kousky, C. and N. R. Netusil (2023). “Flood Insurance Literacy and Flood Risk Knowledge: Evidence from Portland, Oregon.” Risk Management and Insurance Review.

• Gourevitch, J., C. Kousky, Y. Liao, C. Nolte, A. B. Pollack, J. R. Porter, and J. A. Weill (2023). “Unpriced climate risk and the potential consequences of over-valuation in US housing markets.” Nature Climate Change.

• Wing, O. E. J., W. Lehman, P. D. Bates, C. C. Sampson, N. Quinn, A. M. Smith, J. C. Neal, J. R. Porter, and C. Kousky (2022). “Inequitable Patterns of US Flood Risk in the Anthropocene.” Nature Climate Change.

• Kousky, C., M. Palim & Y. Pan (2020). Flood Damage and Mortgage Credit Risk: A Case Study of Hurricane Harvey. Journal of Housing Research 29.

• Wing, O., N, Pinter, P. Bates, and C. Kousky (2020). "New insights into US flood vulnerability revealed from flood insurance big data." Nature Communications 11: 1444.

• Kousky, C., L. Ritchie, K. Tierney, and B. Lingle (2019). “Return on Investment Analysis and its Applicability to Community Disaster Preparedness Activities: Calculating Costs and Returns.” International Journal of Disaster Risk Reduction 41.

• Wilson, M. T. and C. Kousky (2019). “The Long Road to Adoption: How Long Does it Take to Adopt Updated County-Level Flood Insurance Rate Maps?” Risk, Hazards, & Crisis in Public Policy 10(4):403-421.

• Kousky, C. and L. Shabman (2017). “Funding Flood Risk Management: Pre- or Post-Disaster?” Water Economics and Policy. 3(1): 1771001.

Harnessing Natural Capital for Risk Reduction

• Wiley, H. J. P. and C. Kousky (2020). “Speeding Up Post-Disaster Housing Buyouts.” Solutions 11(3).

• Kousky, C. (2015). A Historical Examination of the Corps of Engineers and Natural Valley Storage Protection: The Economics and Politics of “Green” Flood Control.  Journal of Natural Resources Policy Research. 7(1): 23-40.

• Kousky, C. and M. Walls (2014). “Floodplain Conservation as a Flood Mitigation Strategy: Examining Costs and Benefits.” Ecological Economics. 104(August):119-128

• Kousky, C. (2010). “Using Natural Capital to Reduce Disaster Risk.” Journal of Natural Resources Policy Research, 2(4): 343-356.

Innovations in Risk Transfer

• Harnessing Risk Transfer to Support Immediate Post-Disaster Needs of Low- and Moderate-Income Households: A Meso-Insurance Pilot in New York City (2023). Environmental Defense Fund.

• Kousky, C. (2022). “Insurance-sector Tools to Prevent Biodiversity Loss.” Science, 377(6607): 714-716.

• Kousky, C., L. Shabman, and H. Wiley (2021). “Can Parametric Microinsurance Improve the Financial Resilience of Low-Income Households in the United States?” Economics of Disasters and Climate Change.

• Kousky, C. and S. Light (2019). “Insuring Nature.” Duke Law Journal 69: 323-376.