对业主、租户和保险公司进行单户住宅出租的自由板生命周期效益成本分析

IF 3.3 Q2 ENVIRONMENTAL SCIENCES Frontiers in Climate Pub Date : 2024-01-18 DOI:10.3389/fclim.2023.1295592
Ehab Gnan, Rubayet Bin Mostafiz, Md Adilur Rahim, Carol J. Friedland, R. Rohli, Arash Taghinezhad, Ayat Al Assi
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引用次数: 9

摘要

人们对单户出租房面临的洪水风险仍然知之甚少,导致越来越多的人缺乏自我保护(包括保险)的信息。本研究为房东、租户和保险公司(即(美国)国家洪水保险计划 (NFIP))引入了生命周期效益成本分析,以优化单户出租房的自由板[即基础洪水位 (BFE) 以上的额外一楼高度]选择。洪水保险费;房东、租户和 NFIP 按保险范围和免赔额分摊的洪水风险;租金损失;搬家和迁移成本;自由板建造成本;以及实施自由板后的租金增长,都将在估算自由板净效益 (NB) 时予以考虑。对于路易斯安那州梅泰里一处面积为 2,500 平方英尺的案例研究住宅而言,两英尺的防波板可为房东和租户带来最大的综合节省,在实际贴现率分别为 3% 和 7% 的情况下,共同的生命周期净收益分别为 23,658 美元和 14,978 美元。2.5 英尺以下的任何自由板都会使租户和 NFIP 受益,而 4.0 英尺以下的自由板则会使房东受益。总之,研究结果表明,在施工时,即使是最小的自由板也能为业主、租户和 NFIP 节省大量资金。这项研究提供了可操作的信息,为房东、租户和其他人的决策过程提供了支持,从而促进了投资和占用决策。
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Freeboard life-cycle benefit-cost analysis of a rental single-family residence for landlord, tenant, and insurer
Flood risk to single-family rental housing remains poorly understood, leaving a large and increasing population underinformed to protect themselves, including regarding insurance. This research introduces a life-cycle benefit-cost analysis for the landlord, tenant, and insurer [i.e., (U.S.) National Flood Insurance Program (NFIP)] to optimize freeboard [i.e., additional first-floor height above the base flood elevation (BFE)] selection for a rental single-family home. Flood insurance premium; apportioned flood risk among the landlord, tenant, and NFIP by insurance coverage and deductible; rental loss; moving and displacement costs; freeboard construction cost; and rent increase upon freeboard implementation are considered in estimating net benefit (NB) by freeboard. For a 2,500 square-foot case study home in Metairie, Louisiana, a two-foot freeboard optimizes the combined savings for landlord and tenant, with joint life-cycle NB of $23,658 and $14,978, for a 3% and 7% real discount rate, respectively. Any freeboard up to 2.5 feet benefits the tenant and NFIP, while the landlord benefits for freeboards up to 4.0 feet. Collectively, results suggest that at the time of construction, even minimal freeboard provides substantial savings for the landlord, tenant, and NFIP. The research provides actionable information, supporting the decision-making process for landlords, tenants, and others, thereby enhancing investment and occupation decisions.
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来源期刊
Frontiers in Climate
Frontiers in Climate Environmental Science-Environmental Science (miscellaneous)
CiteScore
4.50
自引率
0.00%
发文量
233
审稿时长
15 weeks
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