Educational resources to better understand risk transfer and using it for good.
Explaining insurance concepts.
Is the future Insurable? - Insurance for Good’s Carolyn Kousky partnered with Spencer Glendon, founder of Probable Futures, and Barney Schauble, Principal at greenthread, to bring together their collective knowledge at the intersection of climate change and financial risk. This article is a deep dive on how insurance works and the root of insurability challenges in a changing climate.
Parametric Insurance for Disasters - A short primer and overview.
Ask an expert Q and A session on parametric insurance - recording.
Catastrophe Bonds - A short primer and overview.
The Role of Natural Disaster Insurance in Recovery and Risk Reduction - This review paper examines the functioning of disaster insurance markets broadly and reviews empirical studies on the role of natural disaster insurance in recovery.
The Evolution of Florida’s Public-Private Approach to Property Insurance. This 2024 report explains Florida’s property insurance market, the functioning of its state insurance programs, and current market dynamics.
NFIP resources.
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The National Flood Insurance Program: A Primer
The Mandatory Purchase Requirement: Origins and Effectiveness in Achieving NFIP Goals
Perspectives on Flood Insurance Demand Outside the 100-Year Floodplain
The Emerging Private Residential Flood Insurance Market in the United States
Flood Risk Management in the United States: Building Flood Resilience in a Changing Climate
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Wildfire and insurance.
Unmasking Wildfire Risk: Navigating Insurance Challenges and Community Solutions. Webinar discussing protecting property against wildfire and current dynamics in insurance against wildfires.
International resources.
While Insurance for Good is focused on the United States, much innovative work is being done internationally around insurance-related tools to support social and environmental outcomes. The U.S. can learn from some of these efforts.
Access to Insurance Initiative. A global partnership with the mission to inspire and support supervisors to promote inclusive and responsible insurance, thereby reducing vulnerability.
Insurance Development Forum. The IDF’s vision to improve global risk understanding to create resilience platforms for sustainable growth and human dignity.
InsuResilience Global Partnership. Aims to strengthen the resilience of developing countries and protect the lives and livelihoods of poor and vulnerable people against the impacts of disasters through Climate and Disaster Risk Finance and Insurance solutions.
Microinsurance Network. A non-profit association of organizations and individuals who are committed to building a world where people of all income levels are more resilient and less vulnerable to daily and catastrophic risks through improved access to effective risk management tools, including insurance services.
Munich Climate Insurance Initiative. A leading think tank on climate change and insurance, MCII is focused on developing solutions for the risks posed by climate change for the poorest and most vulnerable people in developing countries.
UNDP Insurance and Risk Finance Facility. In collaboration with industry, governments and other partners, IRFF produces policy advice, guidance, tools, methodologies & networks to strengthen country and community resilience to socio-economic, health, climate and other shocks.
Insurance for Good maintains a curated hub of high-quality resources to meet the needs of communities and policymakers in harnessing insurance as a tool for social and environmental good. Please reach out if there are new resources Insurance for Good should consider adding to our site.