地震保険加入行動の経済分析

抄録

This paper seeks to evaluate each household's earthquake risk by using a survey, a seismic hazard map and some other existing data, and analyze the relationship between the earthquake risk and the purchase of insurance. The results show that the vulnerable households facing high earthquake risk or those not carrying earthquake insurance are mainly the households that are elderly, living in old detached houses or having less assets and income. The results also show that it is not the objective information of earthquake risk but the vague information of existing risk or the information of earthquake disasters in other areas which significantly induces the household to purchase earthquake insurance. It is suggested that the household's risk aversive incentive which doesn't meet the objective earthquake risk causes those vulnerable households to remain as they are.