Research

Storm Center Research

Published Academic Papers

The Florida Insurance Market: An Analysis of Vulnerabilities to Future Hurricane Losses 
Jack E. Nicholson, Karen Clark, Glen Daraskevich
2018, Journal of Insurance Regulation, Vol. 37, No. 3 
https://www.naic.org/prod_serv/JIR-ZA-37-03-EL.pdf
  JIR-ZA-37-03-EL.pdf

Evaluating The Public Financing For Florida's Wind Risk
Lorilee A. Medders, Jack E. Nicholson
2018, Risk Management and Insurance Review, Vol. 21, No. 1, 117-139
DOI: 10.1111/rmir. 12092
https://onlinelibrary.wiley.com/doi/full/10.1111/rmir.12092

State and Local Policy Instruments for the Promotion of Catastrophe Mitigation 
Kathleen McCullough, Lorilee Medders, Sue Ellen Smith
2017, Journal of Insurance Regulation, Vol. 36, No. 2
http://www.naic.org/prod_serv/JIR-ZA-36-02-EL.pdf?281

An Industrial Organization Theory of Risk Sharing
Boyer, M. M., & C. M. Nyce
2013, North American Actuarial Journal, 17, 283-296
  Executive Summary  Working Paper

Improving the Affordability of Property Mitigation: Innovative Ideas from the Energy Sector
Medders, Lorilee
2011, CPCU EJournal, September
  Paper

Demographic Factors and the Mispricing of Insurance
Cheung, Ron, Cassandra R. Cole, David A. MacPherson, Kathleen A. McCullough, and Charles Nyce
2010, Risk Management and Insurance Review, October 19
Paper Available

Other Published Papers

Earth's Strongest Tropical Cyclones at Landfall (as of 11/12/13)
2013, November
Earth's Strongest Tropical Cyclones at Landfall (as of 11/12/13)
  Strongest Cyclones at Landfall.pdf

Working Papers

Hurricane Sandy Exploratory Survey
Baker, Jay and Phillip Downs
2013, February
  Hurricane Sandy Exploratory Survey

Effect of Perceived Vulnerability on Response to Hurricane Threats
Baker, Earl J., Kenny Broad, and Robert Meyer
2011, July

Testing of Connections to Improve Hurricane Resistance of Aluminum Structures
Schellhammer, Michael, and Sungmoon Jung
2011, June
  Final Report

The Capitalization of Homeowners Insurance Premiums in House Prices
2011, April
  Final Report

Tale of Two Regions: Natural Catastrophe Insurance and Regulation in the United States and the European Union
Jäger, Verena, Lorilee Medders, and Kathleen A. McCullough
2011, Journal of Insurance Regulation, Vol 30: 171-196
  White Paper Available

Reduction of Wind-Driven Rain Intrusion through the Building Envelope
2010, September 

Development and Pilot Testing of a Dynamic Hurricane Simulator for the Study of Hurricane Preparedness and Mitigation Decisions
2010, September

Mitigation Credit Study
2010, April
  Final Report

Preparing Public Libraries to Meet Catastrophe Challenges
2010, August
  Final Report

A Comparison of Hurricane Loss Models
2010, April
  Final Report

Insurance Residual Markets: Historical and Public Policy Perspectives
Newman, Jr., James W., 
2010, July
  Paper

Improved Analysis and Understanding of the Meteorology Underlying the Various Components of the Hurricane Risk Problem
2010, January
  Final Report

Subsidies in the Post-Loss Assessment Structure of Florida’s Property Insurance Market
2009, August

The Capitalization of Stricter Building Codes in Jacksonville, Fla., House Prices
2009, August
  Result Summary  Final Report

Granularity in the Florida Property Insurance Market
2009, August
  Paper

Pre-Loss Subsidies in the Florida Property Insurance Market
2009, September
  Paper

Residual Market Subsidies in Florida's Property Insurance Market: A Conceptual and Historical Framework
James W. Newman, Jr.
2009, May
  Paper

Reports

State of Florida's Property Insurance Market 2017
Charles Nyce, Jack E. Nicholson,
2019, 
  New State of the Market Report 2017

The Florida Hurricane Catastrophe Fund: Alternative Methods for Managing the Size
2013,
  The Florida Hurricane Catastrophe Fund - Alternative Methods for Managing the Size.pdf

The State of Florida's Property Insurance Market 2nd Annual Report
2013, January
  2nd Annual Insurance Market Rpt-FSU Storm Risk Center.pdf

The Impact of Geographic Diversity on the Viability of Hurricane Catastrophe Insurance
Watson, Jr., Charles C., Mark E. Johnson and Randy E. Dumm
2012, November
  Download the Paper

Helping Local Governments Design Financing Programs for Residential Wind Mitigation and Home Hardening Projects.
2011, June
Funding provided by a matching grant from the Residential Construction Mitigation Program (Florida Division of Emergency Management). Appendices available upon request.
  Final Report

Hurricane Mitigation Inspection System Study
2010, October
Funding provided by the Florida Department of Financial Services.
   Final Report - appendices available upon request

Home Hardening Incentives Programs: Innovative Finance Concepts for Wind Mitigation and Home Hardening.
2010, June
Funding provided by a matching grant from the Residential Construction Mitigation Program (Florida Division of Emergency Management). Appendices available upon request.
  Final Report


Academic Research

Published Academic Papers

The Florida Insurance Market: An Analysis of Vulnerabilities to Future Hurricane Losses
Jack E. Nicholson, Karen Clark, Glen Daraskevich
2018, Journal of Insurance Regulation, Vol. 37, No 3.
https://www.naic.org/prod_serv/JIR-ZA-37-03-EL.pdf?39

Financing Flood Losses: A Discussion Of The National Flood Insurance Program
Carolyn Kousky
2018, Risk Management and Insurance Review, Vol. 21, No. 1, 11-32
DOI: 10.1111/rmir. 12090
https://onlinelibrary.wiley.com/doi/full/10.1111/rmir.12090

Emerging Issues Within the Assignment of Benefits Clause
Jamie Anderson-Parson, J.D., Karen Epermanis, Ph.D.
2017, Journal of Insurance Regulation, Vol. 36, No. 5
https://www.naic.org/prod_serv/JIR-ZA-36-05-EL.pdf?4

Evolution or Revolution? How Solvency II Will Change the Balance Between Reinsurance and ILS
Alexander Braun, Joel Weber
2017, Journal of Insurance Regulation, Vol. 36, No. 4
https://www.naic.org/prod_serv/JIR-ZA-36-04-EL.pdf?12

State and Local Policy Instruments for the Promotion of Catastrophe Mitigation
Kathleen McCullough, Lorilee Medders, Sue Ellen Smith
2017, Journal of Insurance Regulation, Vol. 36, No. 2
https://www.naic.org/prod_serv/JIR-ZA-36-02-EL.pdf?38

Insured Loss Inflation: How Natural Catastrophes Affect Reconstruction Costs
David Dohrmann, Marc Gurtler, Martin Hibbeln
2015, The Journal of Risk and Insurance., Vol. 84, No. 3, 851-879 (2017).
DOI: 10.1111/jori.12134
https://onlinelibrary.wiley.com/doi/abs/10.1111/jori.12134

A Comprehensive Examination of Insurer Financial Strength Ratings
Cole, Cassandra R., Enya He, and Kathleen A. McCullough
2011, SSRN, July 31
DOI: 10.2139/ssrn.1706318
https://ssrn.com/abstract=1706318

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