Modeling flood risk impact on real estate porfolios

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<title>Modeling flood risk impact on real estate porfolios</title>
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<namePart>Yang, Fang</namePart>
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<abstract displayLabel="Summary">This teaching case develops a simplified flood-adjusted property valuation (FAPV) model to quantify how flood risk affects US real estate portfolios and loan-to-value ratios. Using county-level SFHA exposure and scenario discounts (5%, 10%, 20%), the case shows how rising flood hazards-exacerbated by climate change-can inflate LTV and adjusted LTV and thus credit risk. It provides step-by-step methods, data sources, and classroom activities, and closes with discussion on mitigation strategies (risk disclosure, insurance, regulation, and property-level measures)</abstract>
<note type="statement of responsibility">Sungwon Ahn and Fang Yang</note>
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<title>Risk management & insurance review</title>
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<publisher>Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-</publisher>
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<identifier type="issn">1098-1616</identifier>
<identifier type="local">MAP20077001748</identifier>
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<text>20/10/2025 Volume 28 Number 3 - 2025 , p. 448 - 470</text>
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