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  5. Data and code from: Who Purchases Flood Insurance, and Why? Evidence from the Hudson Valley

Data and code from: Who Purchases Flood Insurance, and Why? Evidence from the Hudson Valley

File(s)
Zinda_FloodInsurance_data_and_code_20250501.zip (15.63 MB)
Zinda_Hudson_River_Flood_Insurance_Survey_Readme_20250505.txt (15.85 KB)
Permanent Link(s)
https://doi.org/10.7298/6dh1-zc69
https://hdl.handle.net/1813/116854
Collections
Department of Global Development Research
Author
Zinda, John
Vitulli, Bryce
Tennyson, Sharon
Abstract

These files contain data supporting all results reported in Zinda and colleagues, "Who Purchases Flood Insurance, and Why? Evidence from the Hudson Valley" The abstract of the article follows. In the United States, increasing the number of homeowners insured through the National Flood Insurance Program (NFIP) is a key goal in federal and state efforts to manage flooding impacts. This study draws on a survey of households in the Hudson valley of New York State to examine which households insure and how different homeowners view insurance, examining patterns across homeownership status as well as location inside or outside federally designated Special Flood Hazard Areas (SFHAs). Flood insurance take-up was highest among mortgage holding homeowners living in SFHAs, who are required to purchase flood insurance. Majorities of both insured and uninsured homeowners expressed low confidence that they could pay for flood damage on their own and low confidence that the NFIP would cover costs of flooding. Many, including over one-fifth of those living in high-risk areas, see their risk of flooding as low enough to merit not insuring. Understanding flood insurance behavior and encouraging preparedness.

Description
Please cite as: John Zinda, Bryce Vitulli, Sharon Tennyson. (2025) Data and code from: Who Purchases Flood Insurance, and Why? Evidence from the Hudson Valley. [dataset] Cornell University Library eCommons Repository. https://doi.org/10.7298/6dh1-zc69.
Sponsorship
This research was supported in part by the intramural research program of the U.S. Department of Agriculture, National Institute of Food and Agriculture, Hatch Smith-Lever, grant 2020-21-131: Flood Risk in Context: Insurance and Risk Response in Flood-Prone Communities. Additional support came from the New York State Water Resources Institute at Cornell University and the New York State Department of Environmental Conservation Hudson River Estuary Program, with support from the New York State Environmental Protection Fund. The findings and conclusions in this publication have not been formally disseminated by the U.S. Department of Agriculture or the New York State Department of Environmental Conservation and should not be construed to represent any agency determination or policy.
Date Issued
2025
Publisher
Cornell University Library
Rights
Attribution 4.0 International
Rights URI
http://creativecommons.org/licenses/by/4.0/
Type
dataset

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