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1、Can Parametric Microinsurance Improve Financial Resilience?ACan Parametric Microinsurance Improve the Financial Resilience of Low Income Households in the United States?Carolyn Kousky,Helen Wiley,and Len ShabmanReport 23-05 September 2020Resources for the FutureiAbout the AuthorsCarolyn Kousky is As

2、sociate Vice President for Economics and Policy at Environmental Defense Fund.Dr.Kouskys research examines multiple aspects of climate risk management and policy approaches for increasing resilience.She has published numerous articles,reports,and book chapters on the economics and policy of climate

3、risk and disaster finance,and is routinely cited in media outlets including NPR,the New York Times,and the Financial Times,among many others.She is the vice-chair of the California Climate Insurance Working Group,a Non-Resident Fellow at Resources for the Future,a non-resident scholar at the Insuran

4、ce Information Institute,and a member of the Roundtable on Risk and Resilience of Extreme Events at the National Academies of Sciences,Engineering,and Medicine.She was previously Executive Director at the Wharton Risk Management and Decision Processes Center at the University of Pennsylvania,where s

5、he also directed the Policy Incubator.She has a BS in Earth Systems from Stanford University and a PhD in Public Policy from Harvard University.Helen Wiley is the Disaster Preparedness Program Director at SBP,and the former Assistant Director of Research and Policy at the Wharton Risk Management and

6、 Decision Processes Center.Her research centers on innovative disaster insurance tools,floodplain buyout policy,and ecosystem-based adaptation.Leonard Shabman is a senior fellow at RFF.Shabman joined RFF in 2002 as a Senior Fellow after three decades on the Virginia Tech faculty member.He has also h