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Coastal adaptation, government-subsidized insurance, and perverse incentives to stay

机译：沿海适应，政府补贴保险，并持久激励措施

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The law should be a critical tool in promoting and directing climate change adaptation in the USA. This should be particularly true in the nation's extensive coastal zone, much of which is subject to increasing rates of sea level rise, coastal erosion, increasing numbers of increasingly powerful storms, and saltwater intrusion. However, significant coastal infrastructure hampers many coastal adaptation strategies by making retreat both expensive and politically unpalatable. This article examines the specific role of insurance and other financing programs in coastal adaptation strategies. Insurance operates primarily to mitigate risk. The article focuses specifically on the National Flood Insurance Program (NFIP), which is now driven by coastal catastrophes and is close to bankruptcy; Florida's decision to provide state-financed insurance to coastal property owners in the wake of the 2004-2005 hurricane season; and, conversely, the decisions of other states to use state and federal financing instead to facilitate coastal adaptation, including buyouts of transitioning coastal properties.
机译：法律应该是促进和指导美国气候变化适应的关键工具。这应该在全国广泛的沿海地区尤为真实，其中大部分受到海平面上升，沿海侵蚀，越来越强大的风暴越来越多的速度，以及咸水入侵的影响。然而，大量的沿海基础设施通过昂贵且政治上不可批准的撤退来妨碍许多沿海适应策略。本文介绍了保险和其他融资方案在沿海适应策略中的具体作用。保险主要用于减轻风险。这篇文章专注于国家洪水保险计划（NFIP），现在由沿海灾难驱动，并且接近破产;佛罗里达州在2004 - 2005年飓风季节之后向沿海业主提供国家资助的保险;而且，相反，其他国家使用国家和联邦融资的决定，反而促进沿海适应，包括过渡沿海地产的收购。

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