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Article: The role of social norms in climate adaptation: Mediating risk perception and flood insurance purchase

TitleThe role of social norms in climate adaptation: Mediating risk perception and flood insurance purchase
Authors
KeywordsSocial amplification of risk
Risk perception
Natural hazards
Flood insurance
Climate adaptation
Social norms
Issue Date2013
Citation
Global Environmental Change, 2013, v. 23, n. 5, p. 1249-1257 How to Cite?
AbstractFlood insurance plays an important role in climate adaptation by recovering insured losses in the event of catastrophic flooding. Voluntary adoption of flood insurance has been seen as a function of risk perception that is shaped by social norms. This paper attempts to clarify the relationship between these factors. It is based on a household survey conducted in the eastern cities of Australia and involving a total of 501 randomly selected residents. Results of a path analysis show that the likelihood of having flood insurance cover was associated with perceived social norms, but not perceived flood risk. In addition, perceived norms and risk were statistically related to each other. It is concluded that social norms played a mediating role between insuring decision and risk perception. Risk perception might influence the insuring decision indirectly through shaping perception of social norms. This implies that adaptive behaviour is not necessarily a function of risk perception, but an outcome of its impacts upon the ways in which the individuals situate themselves in their social circles or the society. There is a feedback process in which individual perceptions of risk manifest as both a cause and effect, shaping and being shaped by the socio-cultural context. © 2013 Elsevier Ltd.
Persistent Identifierhttp://hdl.handle.net/10722/210120
ISSN
2015 Impact Factor: 5.679
2015 SCImago Journal Rankings: 3.504

 

DC FieldValueLanguage
dc.contributor.authorLo, Alex Y.-
dc.date.accessioned2015-05-22T06:06:41Z-
dc.date.available2015-05-22T06:06:41Z-
dc.date.issued2013-
dc.identifier.citationGlobal Environmental Change, 2013, v. 23, n. 5, p. 1249-1257-
dc.identifier.issn0959-3780-
dc.identifier.urihttp://hdl.handle.net/10722/210120-
dc.description.abstractFlood insurance plays an important role in climate adaptation by recovering insured losses in the event of catastrophic flooding. Voluntary adoption of flood insurance has been seen as a function of risk perception that is shaped by social norms. This paper attempts to clarify the relationship between these factors. It is based on a household survey conducted in the eastern cities of Australia and involving a total of 501 randomly selected residents. Results of a path analysis show that the likelihood of having flood insurance cover was associated with perceived social norms, but not perceived flood risk. In addition, perceived norms and risk were statistically related to each other. It is concluded that social norms played a mediating role between insuring decision and risk perception. Risk perception might influence the insuring decision indirectly through shaping perception of social norms. This implies that adaptive behaviour is not necessarily a function of risk perception, but an outcome of its impacts upon the ways in which the individuals situate themselves in their social circles or the society. There is a feedback process in which individual perceptions of risk manifest as both a cause and effect, shaping and being shaped by the socio-cultural context. © 2013 Elsevier Ltd.-
dc.languageeng-
dc.relation.ispartofGlobal Environmental Change-
dc.subjectSocial amplification of risk-
dc.subjectRisk perception-
dc.subjectNatural hazards-
dc.subjectFlood insurance-
dc.subjectClimate adaptation-
dc.subjectSocial norms-
dc.titleThe role of social norms in climate adaptation: Mediating risk perception and flood insurance purchase-
dc.typeArticle-
dc.description.natureLink_to_subscribed_fulltext-
dc.identifier.doi10.1016/j.gloenvcha.2013.07.019-
dc.identifier.scopuseid_2-s2.0-84886730137-
dc.identifier.hkuros244410-
dc.identifier.volume23-
dc.identifier.issue5-
dc.identifier.spage1249-
dc.identifier.epage1257-

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