Faculty & Research
Faculty & Research
4
Results
- 2025
- Working Paper
Climate Risk and the U.S. Insurance Gap: Measurement, Drivers and Implications
By: Parinitha Sastry, Tess Scharlemann, Ishita Sen and Ana-Maria Tenekedjieva
| In a world with rising risk, how much are U.S. households willing to pay for homeowners insurance, and what does their demand imply for the future of insurance markets? We provide the first estimates of household willingness to pay for homeowners insurance and the... |
- 07 Sep 2021
- Research & Ideas
Who Pays For Wildfire and Hurricane Damage? Everyone.
by Kristen Senz
| Think only coastal states bear the costs related to rising seas? Research by Ishita Sen and colleagues shows how homeowners everywhere pay for climate change, regardless of location. |
- Forthcoming
- Journal of Finance
Pricing of Climate Risk Insurance: Regulation and Cross-Subsidies
By: Ishita Sen, Ana-Maria Tenekedjieva and Sangmin Oh
| We study the pricing of homeowners’ insurance, a $15 trillion market essential for hedging climate-related losses. We show that insurance premiums are subject to starkly different regulations across states, creating persistent cross-subsidies and price distortions. We... |