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FacingWildfireInsurance

Challenges:FiveLessons

fromtheNationalFlood

InsuranceProgram

Yanjun(Penny)Liao,MargaretWalls,andMatthewWibbenmeyer

Report24-12

July2024

FacingWildfireInsuranceChallenges:FiveLessonsfromtheNationalFloodInsuranceProgramA

AbouttheAuthors

Yanjun(Penny)LiaoisaneconomistandfellowatResourcesfortheFuture(RFF).

Herresearchprimarilyfocusesonissuesofnaturaldisasterriskmanagementand

climateadaptation.Shehasstudiedtheimpactsofdisastersonlocalgovernment

budgets,housingmarkets,anddemographicchanges.Herongoingworkinvestigates

howdisasterinsuranceinteractswiththehousingandmortgagesector,aswellasthe

economicandfiscalimpactsofadaptationpoliciesonlocalcommunities.Liaoearned

herPhDineconomicsfromUCSanDiegoin2019andconductedherpostdoctoral

researchduring2019–21attheWhartonRiskCenteratUniversityofPennsylvania.

MargaretWallsisaseniorfellowanddirectoroftheClimateRisksandResilience

ProgramatRFF,aswellascohostofRFF’spodcast,ResourcesRadio.Walls’sresearch

focusesontheimpactsofextremeweather,floods,hurricanes,andwildfiresonpeople

andcommunitiesandthedesignofprogramsandpoliciestoequitablyenhance

resiliencetosuchevents.Shehaswrittenaboutthebenefitsofnaturalinfrastructure,

suchascoastalwetlandsandriparianbuffers,inreducingflooddamagesandthe

evaluationofconservationinvestmentdecisionsinfloodplainsandcoastalzones.She

hasalsoevaluatedtheroleofinformationanddisclosure