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Adapting our Flood Risk Policies to Changing Conditions - Kousky - 2021 - Risk Analysis - Wiley Online Library
Source: onlinelibrary.wiley.com
Article summary:
1. Flooding is a major global problem that is projected to increase in the coming years due to climate change and floodplain development.
2. The National Flood Insurance Program (NFIP) currently has a practice of grandfathering flood insurance premiums, which keeps prices artificially low for these properties.
3. This article explores the impact of grandfathering policies on a New York City neighborhood by coupling flood hazard modeling with an insurance premium calculator, and discusses policy options for both a financially sound flood insurance program and ensuring affordability for low- and middle-income households.
Article analysis:
The article “Adapting out Flood Risk Policies to Changing Conditions” by Kousky (2021) provides an overview of the current state of flood risk policies in the United States, particularly in coastal areas, and how they need to be adapted to changing conditions due to climate change and other factors. The article is well-researched and provides detailed information on the current practices of the National Flood Insurance Program (NFIP), as well as potential policy solutions for adapting to changing conditions.
The article does not appear to have any biases or one-sided reporting, as it presents both sides of the issue fairly equally. It also does not contain any unsupported claims or missing points of consideration; rather, it provides evidence for its claims through references to other studies and research papers. Additionally, there are no unexplored counterarguments or promotional content present in the article; instead, it focuses solely on providing an objective overview of the current situation regarding flood risk policies in the United States.
The only potential issue with this article is that it does not discuss possible risks associated with adapting policies to changing conditions; however, this is likely because such risks are outside the scope of this particular paper. All in all, this article appears to be trustworthy and reliable overall.