Pricing Protection: Credit Scores, Disaster Risk, and Home Insurance Affordability

We thank Ben Dennis, Jen Dlugosz, Sarah Edelman, Jacob Gellman, Erik Heitfield, Ralph Blanchard III, Hugh Montag (discussant), Tess Scharlemann, Mike Springborn, Matt Walker, Margaret Walls, and seminar participants at the University of Wisconsin Risk & Insurance brownbag, the Wharton Real Estate brownbag, the Wisconsin Housing Demography brownbag, Oberlin College, Baruch College, the Federal Reserve Banks of Cleveland and San Francisco, the University of British Columbia, the University of Cincinnati, AgroParisTech, the University Paris-Saclay, Yale School of Management, Resources for the Future, the AERE Summer Conference, the AERE Fall Workshop, and Penn State University for valuable feedback. The views expressed here are those of the authors and do not necessarily reflect those of the Federal Reserve Board of Governors, the Federal Reserve Bank of Philadelphia, of any other person associated with the Federal Reserve System, or the National Bureau of Economic Research. The authors declare no material and relevant financial relationships or conflicts of interest.