Does national flood insurance program participation induce housing development?

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<title>Does national flood insurance program participation induce housing development?</title>
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<abstract displayLabel="Summary">We estimate the effects on county-wide housing development in Florida of community-level participation in the National Flood Insurance Program using panel data methods and observed variation in the timing of the decision to join the program. We find that program participation increased housing starts and permits in noncoastal counties, while coastal counties with average flood zone acreage saw significant declines in housing activity. We conjecture that loss-mitigating regulatory costs, an obligation of obtaining insurance, might explain these findings. </abstract>
<note type="statement of responsibility">Mark J. Browne...[et.al.]</note>
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<title>The Journal of risk and insurance</title>
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<identifier type="issn">0022-4367</identifier>
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<text>02/12/2019 Volumen 86 Número 4 - diciembre 2019 , p. 835-859</text>
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