Abstract

This paper examines the growing importance of private insurance in urban resilience, drawing on research in three US cities that are bellwethers of climate adaptation: New Orleans, New York and Greater Miami. A number of scholars have suggested that insurance shifts the management of climate risks from governments to private actors and places the burden of risk on the shoulders of individuals. Drawing on and extending Michel Callon’s work on the problematization of climate change, we suggest that such analyses overlook a significant dimension of the insurance industry’s role in urban resilience. Namely, the tools and techniques of insurance are increasingly central to the constitution of climate change as a public problem that can be addressed by collective decision-making institutions.

摘要

本文研究了美国三个气候适应性最强的城市的研究成果，研究了私人保险在城市弹性中日益重要的地位：新奥尔良，纽约和大迈阿密。许多学者认为，保险将气候风险的管理从政府转移到了私人行为者，并将风险的负担置于个人的肩膀上。借鉴并扩展Michel Callon关于气候变化问题的工作，我们建议这种分析忽略了保险业在城市弹性中的重要作用。也就是说，保险的工具和技术对于气候变化的构成越来越重要，因为这是可以通过以下途径解决的公共问题集体决策机构。