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Climate Change in CaliforniaRisk and Response$
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Fredrich J. Kahrl and David W. Roland-Holst

Print publication date: 2012

Print ISBN-13: 9780520271814

Published to California Scholarship Online: January 2013

DOI: 10.1525/california/9780520271814.001.0001

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PRINTED FROM CALIFORNIA SCHOLARSHIP ONLINE (www.california.universitypressscholarship.com). (c) Copyright University of California Press, 2019. All Rights Reserved. An individual user may print out a PDF of a single chapter of a monograph in CALSO for personal use.date: 17 September 2019

Real Estate and Insurance

Real Estate and Insurance

Chapter:
(p.100) Chapter Seven Real Estate and Insurance
Source:
Climate Change in California
Author(s):

Fredrich Kahrl

David Roland-Holst

Publisher:
University of California Press
DOI:10.1525/california/9780520271814.003.0008

For California, asfor most of the developed world, property values are the largesteconomic climate risk.The extent of this risk and the allocation of exposure depend on how much property is located in high-risk areas decades into the future. Insurance can play an important role in mitigating and allocating property risks, implicating both the financial-sector and state policies that affect developer and homeowner decisionmaking (e.g., public fire-insurance programs, floodplain-development restrictions).This chapter examines three of the main threats of climate change to property—wildfires, sea-level rise, and storms and flooding—and the risk they pose to real estate. We also consider the central role of public (state and federal) agencies in facilitating adjustment to climate risk that is both cost effective and more equitable.

Keywords:   climatechange, California, real estate, damages, sea-level rise, wildfires

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