This paper advances scholarly debate on the contradictions of environmental risk management measures by analyzing the determinants of flood insurance coverage among a sample of 403 residents in New Orleans, a city undergoing rapid transformation due to post-Katrina rebuilding efforts and anthropogenic modifications of climate, hydrology, and ecology. The paper focuses on several predictors including subjective flood risk perception, trust in government officials, sociodemographic characteristics, and experience with flood damage. Using binary logistic regression, the results show that the likelihood of having flood insurance coverage is associated with past flood damage and socioeconomic status. Older people (over age 65) are more likely to have flood insurance than younger residents. Race, gender, trust, and perceived flood risk are not statistically significant predictors of flood insurance. We connect our findings to the paradoxes and conflictual dynamics of flood insurance, a major risk mitigation measure. As we point out, in flood-prone cities like New Orleans, flood insurance operates as a double whammy: uninsured or underinsured homes face pervasive risk of both flooding and rising insurance premiums under the conditions of global climate change.

本文通过分析新奥尔良的403名居民样本中的洪水保险覆盖率决定因素，推进了有关环境风险管理措施矛盾的学术辩论，该城市由于卡特里娜飓风过后的重建工作以及人为的气候，水文变化而迅速转型和生态。本文着重于几个预测因素，包括主观洪水风险感知，对政府官员的信任，社会人口统计学特征以及洪水破坏的经验。使用二元逻辑回归分析，结果表明拥有洪水保险的可能性与过去的洪水破坏和社会经济地位相关。老年人（65岁以上）比年轻人更容易获得洪水保险。种族，性别，信任，和感知到的洪水风险并不是洪水保险的统计显着预测因子。我们将发现与洪水保险的悖论和冲突动态联系起来，洪水保险是一项主要的风险缓解措施。正如我们指出的那样，在像新奥尔良这样易受洪灾影响的城市，洪水保险的作用是双重的：在全球气候变化的情况下，无保险或保险不足的房屋面临洪水泛滥和保险费上涨的普遍风险。