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Drivers of the flood insurance protection gap: a socio-economic analysis of German residential buildings in high-risk regions
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This paper aims to understand how socioeconomic factors influence the residential
insurance protection gap in identified high-risk areas. By adapting Steinhausen et al.'s (2022)
estimates of expected annual damages, we evaluate these gaps at NUTS 3 level and
subsequently analyze them using a cross-sectional approach. We find that rising GDP per
capita and urbanization contribute to widening this gap while higher education levels diminish
it, emphasizing the influence of socioeconomic disparities and regional factors on the gap.
Policy recommendations for high-risk regions include construction bans, mandatory local
insurance policies, and education campaigns to enhance flood awareness and reduce financial
vulnerability.
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Palavras-chave
Climate insurance Insurance protection Gap Flood risk Residential buildings