Skip to main content

Considering the Role of Government in Communicating Climate Change: Lessons from the US Public Flood Insurance Program

  • Chapter
  • First Online:
Handbook of Climate Change Communication: Vol. 3

Part of the book series: Climate Change Management ((CCM))

Abstract

The aim of this paper is to discuss the United States public flood insurance and disaster relief programs in the context of current policies that influence current and future policy goals related to climate change. The methodology employed is a case study approach that looks at the historical development of current public flood insurance and disaster relief policy and then places that history in the context of recent and current stated policy goals of mitigating future impacts of climate change. This history is then compared to current understandings of how policy develops, specifically how exiting policies can frustrate new policy directions, which is discussed under the context of climate change communication. The goal is to highlight the importance of looking at the whole of government actions when attempting to incorporate climate change into the public discourse. The critical lesson from this case study is to understand how existing government policies can create incentives that influence perceptions of risk related to climate change, and thus complicate the development of new policy directions. In this example of US public flood insurance and disaster relief, historical treatments of climate-related risk need to be considered when attempting to communicate new understandings of climate change risk.

This is a preview of subscription content, log in via an institution to check access.

Access this chapter

Chapter
USD 29.95
Price excludes VAT (USA)
  • Available as PDF
  • Read on any device
  • Instant download
  • Own it forever
eBook
USD 149.00
Price excludes VAT (USA)
  • Available as EPUB and PDF
  • Read on any device
  • Instant download
  • Own it forever
Softcover Book
USD 199.99
Price excludes VAT (USA)
  • Compact, lightweight edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info
Hardcover Book
USD 199.99
Price excludes VAT (USA)
  • Durable hardcover edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info

Tax calculation will be finalised at checkout

Purchases are for personal use only

Institutional subscriptions

References

  • Anderson DR (1974) The national flood insurance program: problems and potential. J Risk Insur 16(4):579–599

    Article  Google Scholar 

  • Atreya A, Ferreira S (2014) Seeing is believing?: evidence from property prices in inundated areas. Risk Anal 35(5):828–848

    Article  Google Scholar 

  • Bin O, Polsky S (2004) Effects of flood hazards on property values: evidence before and after Hurricane Floyd. Land Econ 80(4):490–500

    Article  Google Scholar 

  • Bin O, Crawford TW, Kruse JB, Landry CE (2008a) Viewscapes and flood hazard: coastal housing market response to amenities and risk. Land Econ 84(3):434–448

    Article  Google Scholar 

  • Bin O, Kruse JB, Landry CE (2008b) Flood hazards, insurance rates, and amenities: evidence from the coastal market. J Risk Insur 75(1):63–82

    Article  Google Scholar 

  • Binder SB, Baker CK, Barile JP (2015) Rebuild or relocate? resilience and postdisaster decision-making after Hurricane Sandy. Am J Community Psychol 56(1):180–196

    Article  Google Scholar 

  • Bourassa SC, Haurin DR, Haurin JL, Hoesli M, Sun J (2009) House price changes and idiosyncratic risk: the impact of property characteristics. Real Estate Econ 37(2):259–278

    Article  Google Scholar 

  • Case KE, Shiller RJ (1989) The efficiency of the market for single-family homes. Am Econ Rev 79(1):125–137

    Google Scholar 

  • Church J, Clark P, Cazenave A, Gregory J, Jevrejeva S, Levermann A, Merrifield M, Milne G, Nerem RS, Nunn P, Payne A, Pfeffer WT, Stammer D, Unnikrishnan A (2013) Sea level change. In: Stocker T, Qin D, Plattner GK, Tignor M, Allen S, Boschung J, Nauels A, Xia Y, Bex V, Midgley P (eds) Climate change 2013: the physical science basis. Cambridge University Press, Cambridge, UK

    Google Scholar 

  • CRS (2013) The national flood insurance program: status and remaining issues for congress. Congressional Research Service, Washington DC

    Google Scholar 

  • Grossman D (1958) Flood insurance: can a feasible program be created? Land Econ 34(4):352–357

    Article  Google Scholar 

  • Harrison DM, Smersh GT, Schwartz AL (2001) Environmental determinants of housing prices: the impact of flood zone status. J Real Estate Res 21(1):3–20

    Google Scholar 

  • Healy A, Malhotra N (2009) Myopic voters and natural disaster policy. Am Polit Sci Rev 103(3):387–406

    Article  Google Scholar 

  • Jacques PJ (2012) A general theory of climate denial. Global Environ Polit 12(2):9–17

    Article  Google Scholar 

  • Kasperson RE (1986) Six propositions on public participation and their relevance for risk communication. Risk Anal 6(3):275–281

    Article  CAS  Google Scholar 

  • Katz LF, Rosen KT (1987) The interjurisdictional effects of growth controls on housing prices. J Law Econ 30(1):149–160

    Article  Google Scholar 

  • Knowles S, Kunreuther H (2014) Troubled waters: the national flood insurance program in historical perspective. J Policy Hist 26(3):327–353

    Article  Google Scholar 

  • Kousky C (2010) Learning from extreme events: risk perceptions after the flood. Land Econ 86(3):395–422

    Article  Google Scholar 

  • Landry CE, Hindsley P (2011) Valuing beach quality with hedonic property models. Land Econ 87(1):92–108

    Article  Google Scholar 

  • McGuire C (2014) Climate-induced sea level rise and sustainable coastal management: the influence of existing policy frameworks on risk perception. Sustain J Rec 7(6):299–303

    Google Scholar 

  • McGuire C (2015) The role of risk perception in building sustainable policy instruments: a case study of public coastal flood insurance in the USA. Interdisc Environ Rev 16(2/3/4):232–252

    Google Scholar 

  • Michel-Kerjan E (2010) Catastrophe economies: the national flood insurance program. J Econ Perspect 24(4):165–186

    Article  Google Scholar 

  • Michel-Kerjan E, Lemoyne de Forges S, Kunreuther H (2012) Policy tenure under the U.S. national flood insurance program (NFIP). Risk Anal 32(4):644–658

    Article  Google Scholar 

  • NOAA (2013) National Coastal population report: population trends from 1970 to 2020. National Oceanic and Atmospheric Administration, Washington DC

    Google Scholar 

  • NRC (2014) Reducing coastal risk on the East and Gulf Coasts. National Research Council, National Academies Press, Washington, DC

    Google Scholar 

  • Pasterick ET (1998) The national flood insurance program. In: Kunreuther H, Roth RJ (eds) Paying the price: the status and role of insurance against natural disasters in the United States. Joseph Henry Press, Washington, DC

    Google Scholar 

  • Rappaport J, Sachs JD (2003) The United States as a coastal nation. J Econ Growth 8(1):5–46

    Article  Google Scholar 

  • Rosen KT, Katz LF (1981) Growth management and land use controls: the San Francisco Bay Area experience. Real Estate Econ 9(4):321–344

    Article  Google Scholar 

  • Saiz A (2010) The geographic determinants of housing supply. Q J Econ 125(3):1253–1296

    Article  Google Scholar 

  • Slovic P (1987) Perception of risk. Science 236(4799):283–285

    Article  Google Scholar 

  • Slovic P (1993) Perceived risk, trust, and democracy. Risk Anal 13(6):675–682

    Article  Google Scholar 

  • Speyrer JF, Ragas WR (1991) Housing prices and flood risk: An examination using spline regression. J Real Estate Financ Econ 4(4):395–407

    Article  Google Scholar 

  • Tversky A, Kahneman D (1981) The framing of decisions and the psychology of choice. Science 211(4481):453–458

    Article  CAS  Google Scholar 

  • Wapner P (2014) Climate suffering. Global Environ Politics 14(2):1–6

    Article  Google Scholar 

  • Waugh WL, Smith RB (2006) Economic development and reconstruction on the Gulf after Katrina. Econ Dev Q 20(3):211–218

    Article  Google Scholar 

Download references

Author information

Authors and Affiliations

Authors

Corresponding author

Correspondence to Chad J. McGuire .

Editor information

Editors and Affiliations

Rights and permissions

Reprints and permissions

Copyright information

© 2018 Springer International Publishing AG

About this chapter

Check for updates. Verify currency and authenticity via CrossMark

Cite this chapter

McGuire, C.J. (2018). Considering the Role of Government in Communicating Climate Change: Lessons from the US Public Flood Insurance Program. In: Leal Filho, W., Manolas, E., Azul, A., Azeiteiro, U., McGhie, H. (eds) Handbook of Climate Change Communication: Vol. 3. Climate Change Management. Springer, Cham. https://doi.org/10.1007/978-3-319-70479-1_22

Download citation

Publish with us

Policies and ethics