Home insurance for extreme weather events is a significant security mechanism not only for individual households but for global finance. As extreme weather events become more frequent and intense, home insurance has been identified by governments as a critical tool for climate adaptation and disaster resilience. However, the growing research literature on the interactions between household insurance and extreme climatic events has not previously been systematically reviewed. In this paper, we analyse 175 original peer-reviewed empirical research papers on this subject, published between 2009 and 2018. We identify areas of research focus, themes, spatial and temporal patterns, and knowledge gaps, and examine policy implications of these findings. We find that an overall focus on flood insurance leaves unanswered questions about the different insurantial challenges posed by storms and wildfire. We suggest existing technocratic and calculative insurance narratives obscure the political and moral assumptions embedded within them, and that these assumptions warrant further investigation in the context of socially legitimate insurance against the impact of extreme weather events.

应对极端天气事件的房屋保险不仅是单个家庭的重要保障机制，也是全球金融的重要保障机制。随着极端天气事件变得越来越频繁和激烈，各国政府已将房屋保险确定为适应气候变化和抗灾能力的重要工具。但是，关于家庭保险与极端气候事件之间相互作用的研究文献日渐增多，但尚未得到系统的审查。在本文中，我们分析了2009年至2018年之间发表的关于该主题的175篇经同行评审的原始实证研究论文。我们确定了研究重点，主题，时空格局和知识差距领域，并研究了这些发现的政策含义。我们发现，对洪水保险的整体关注使风暴和野火带来的各种保险挑战仍未得到解答。我们建议现有的技术官僚性和计算性保险叙述掩盖其中所包含的政治和道德假设，并且这些假设值得在针对极端天气事件的影响的社会合法保险的背景下进行进一步研究。