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| Titel |
Factors affecting flood insurance purchase in residential properties in Johor, Malaysia |
| VerfasserIn |
U. G. Aliagha, T. E. Jin, W. W. Choong, M. Nadzri Jaafar, H. M. Ali |
| Medientyp |
Artikel
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| Sprache |
Englisch
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| ISSN |
1561-8633
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| Digitales Dokument |
URL |
| Erschienen |
In: Natural Hazards and Earth System Sciences ; 14, no. 12 ; Nr. 14, no. 12 (2014-12-17), S.3297-3310 |
| Datensatznummer |
250118803
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| Publikation (Nr.) |
 copernicus.org/nhess-14-3297-2014.pdf |
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| Zusammenfassung |
| High-impact floods have become a virtually annual experience in Malaysia,
yet flood insurance has remained a grossly neglected part of comprehensive integrated
flood risk management. Using discriminant analysis, this study seeks to identify the
demand-side variables that best predict flood insurance purchase and risk aversion
between two groups of residential homeowners in three districts of Johor State, Malaysia: those
who purchased flood insurance and those who did not. Our results revealed an overall 34%
purchase rate, with Kota Tinggi district having the highest (44%) and thus the highest
degree of flood risk aversion. The Wilks' lambda F test for equality of group means, standardised
discriminant function coefficients, structure correlation, and canonical correlation
has
clearly shown that there are strong significant attribute differences between the two groups of
homeowners, based on the measures of objective flood risk exposure, subjective risk
perception, and socio-economic cum demographic variables. However, the measures of subjective risk
perception were found to be more predictive of flood insurance purchase and flood risk
aversion. |
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