Despite the increasing interest in climate change policy in the US, little systematic research has been conducted on the willingness of individuals to change their behaviour to mitigate the problem. Understanding behavioural change is critical if federal and local governments intend to implement programmes requiring actions to mitigate and adapt to climate change. This understudied aspect of climate change policy is addressed by quantitatively examining the degree to which residents living in the US are willing to alter their behaviour to mitigate climate change impacts, and by identifying the major factors contributing to this willingness. Based on a national survey, the reported willingness of individuals to alter behaviours is explained, using the components of risk, individual stress, capacity and ecological values. The findings indicate that specific personal traits and contextual characteristics trigger a significantly greater willingness to change longstanding behavioural patterns. These insights into the factors motivating behavioural change can provide guidance to decision makers at both federal and local levels on how best to implement climate change policies.

In an effort to counteract mounting flood losses, FEMA introduced the Community Rating System (CRS) in 1990 as a way to encourage local jurisdictions to exceed the National Flood Insurance Program’s minimum standard for floodplain management. While the program has grown since its inception, there is little understanding of the degree to which mitigation activities have reduced flood-related losses to buildings and their contents over time. The effectiveness gap is addressed through the longitudinal statistical analysis of 450 CRS-participating communities. For each selected community, CRS point totals are tracked on a yearly basis over an 11-year study period from 1999 to 2009 and their impacts on insured loss claim payments based on claim type and floodplain location are tested. Results indicate that three CRS activities, freeboard requirements, open space protection, and flood protection, significantly reduce flood damage.

Although the 100-year floodplain is the traditional indicator of risk from flooding and a catalyst for mitigation decisions in the United States, increasing evidence indicates that this boundary is not sufficient in representing actual economic losses caused by floods. Although studies have demonstrated that up to 50% of losses occur outside floodplain boundaries, as of this writing it is believed little or no research has been conducted on the precise spatial characteristics of these losses or offers an alternative approach for depicting flood exposure at the local level. This perceived lack of inquiry is addressed by spatially examining the pattern of insured flood loss within the Clear Creek watershed near Houston as a first step in better understanding the relationship between floodplain boundaries and actual loss. First, property damage claims are mapped under the National Flood Insurance Program over an 11-year period from 1999 to 2009 and then these points of loss are analyzed in relation t...

A basic proposition of ‘agency theory’ is that output-based performance incentives encourage greater effort. However, studies find that incentive schemes can distort effort if rewards for performance are discrete or non-linear. The Federal Emergency Management Agency's (FEMA) Community Rating System (CRS) is a flood mitigation programme with a non-linear incentive design. Under this programme, localities are incentivised to implement a mix of 18 flood mitigation activities. Each activity is performance scored, with accumulated scores corresponding to a percent discount on flood insurance premiums for residents that hold National Flood Insurance policies. Discounts range from 0 to 45% and increase discretely in increments of 5%. With multivariate statistical and Geographic Information Systems analytic techniques, tests are made to find whether observed changes in annual CRS scores for participating localities in Florida are explained by non-linear incentives, adjusting for hydrologic conditions, flood disaster histories, socio-economic and human capital controls that can plausibly account for local mitigation activity scores over time. Results indicate that local jurisdictions are discount-seeking, with mitigation efforts partially driven by the non-linear incentive design of the CRS programme. The paper ends with recommendations to improve the operation FEMA's flood mitigation programme.