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Insuring homes against extreme weather events: a systematic review of the research


Lucas, CH and Booth, KI and Garcia, C, Insuring homes against extreme weather events: a systematic review of the research, Climatic Change, 165, (3) Article 61. ISSN 1573-1480 (2021) [Refereed Article]

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Available from 24 April 2022

Copyright Statement

Copyright The Author(s), under exclusive licence to Springer Nature B.V. 2021

DOI: doi:10.1007/s10584-021-03093-1


Home insurance for extreme weather events is a significant security mechanism not only for individual households but for global finance. As extreme weather events become more frequent and intense, home insurance has been identified by governments as a critical tool for climate adaptation and disaster resilience. However, the growing research literature on the interactions between household insurance and extreme climatic events has not previously been systematically reviewed. In this paper, we analyse 175 original peer-reviewed empirical research papers on this subject, published between 2009 and 2018. We identify areas of research focus, themes, spatial and temporal patterns, and knowledge gaps, and examine policy implications of these findings. We find that an overall focus on flood insurance leaves unanswered questions about the different insurantial challenges posed by storms and wildfire. We suggest existing technocratic and calculative insurance narratives obscure the political and moral assumptions embedded within them, and that these assumptions warrant further investigation in the context of socially legitimate insurance against the impact of extreme weather events.

Item Details

Item Type:Refereed Article
Keywords:climate change, insurance, disaster, extreme weather, systematic review
Research Division:Human Society
Research Group:Human geography
Research Field:Social geography
Objective Division:Environmental Policy, Climate Change and Natural Hazards
Objective Group:Adaptation to climate change
Objective Field:Social impacts of climate change and variability
UTAS Author:Lucas, CH (Dr Chloe Lucas)
UTAS Author:Booth, KI (Dr Kate Booth)
UTAS Author:Garcia, C (Mrs Carolina Garcia Imhof)
ID Code:144172
Year Published:2021
Funding Support:Australian Research Council (DP170100096)
Deposited By:Geography and Spatial Science
Deposited On:2021-04-27
Last Modified:2021-05-03

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