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1. Flood Risk Management: Exploring the Impacts of the Community Rating System Program on Poverty and Income Inequality

   https://doi.org/10.1111/risa.12853  

   Noonan, Douglas S.; Sadiq, Abdul‐Akeem A. (June 2017, Risk Analysis)

   Abstract Flooding remains a major problem for the United States, causing numerous deaths and damaging countless properties. To reduce the impact of flooding on communities, the U.S. government established the Community Rating System (CRS) in 1990 to reduce flood damages by incentivizing communities to engage in flood risk management initiatives that surpass those required by the National Flood Insurance Program. In return, communities enjoy discounted flood insurance premiums. Despite the fact that the CRS raises concerns about the potential for unevenly distributed impacts across different income groups, no study has examined the equity implications of the CRS. This study thus investigates the possibility of unintended consequences of the CRS by answering the question: What is the effect of the CRS on poverty and income inequality? Understanding the impacts of the CRS on poverty and income inequality is useful in fully assessing the unintended consequences of the CRS. The study estimates four fixed‐effects regression models using a panel data set of neighborhood‐level observations from 1970 to 2010. The results indicate that median incomes are lower in CRS communities, but rise in floodplains. Also, the CRS attracts poor residents, but relocates them away from floodplains. Additionally, the CRS attracts top earners, including in floodplains. Finally, the CRS encourages income inequality, but discourages income inequality in floodplains. A better understanding of these unintended consequences of the CRS on poverty and income inequality can help to improve the design and performance of the CRS and, ultimately, increase community resilience to flood disasters. 

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2. Policy diffusion in community-scale flood risk management.

   Noonan, D. S.; Richardson, L. E.; Sadiq, A. A. (January 2018, WIT transactions on engineering sciences)

   This study analyzes which communities adopted flood risk management practices during the past 25 years. In particular, we focus on community-scale flood management efforts undertaken voluntarily in towns and counties across the United States. In 1990, the US Federal Emergency Management Agency created the Community Rating System (CRS) to provide incentives to local governments to improve flood resilience. About 1,300 counties and cities voluntarily participate in the CRS, but most eligible communities do not participate. Here, we explore the factors shaping community CRS participation, such as flood risk, socio-economic characteristics, and economic resources, and we assess the competing phenomena of policy diffusion versus free riding. Previous models of community-scale flood mitigation activities have all considered each community’s decision as independent of one another. Yet one community’s flood management activities might directly or indirectly influence its neighbors’ mitigation efforts. Spillover effects or “contagion” may arise if neighboring communities learn from or seek to emulate or outcompete early adopting neighbors. Conversely, stricter regulation in one community may allow its neighbors to capitalize on looser regulation either by attracting more development or enjoying reduced “downstream” flood risks. This paper presents a conceptual model that allows for multiple forces affecting diffusion, such as copycatting and learning from neighboring communities, free-riding on neighbors’ efforts, and competing with neighbors to provide valuable amenities. We empirically test for these alternative diffusion pathways after controlling for the spatially correlated extant flood risks, building patterns, and demographics. The analysis integrates several large datasets to predict community flood risk management for all cities and counties in the US since 1990. Controls for local flood risk combined with a spatial lag regression model allow separate identification of alternative diffusion pathways. The results indicate strong evidence of copycatting and also suggest possible free-riding. 

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3. Do cities with greater transformative governance capacity pursue more ambitious policies? Examining U.S. cities through the lens of climate resiliency

   https://doi.org/10.1080/14693062.2025.2512453  

   Mohsen_Fatemi, S; Krause, Rachel M; Nguyen_Long, Le Anh; Arnold, Gwen; Ludwick, Sara (June 2025, Climate Policy)

   Municipalities face increasingly complex challenges from climate change-driven natural hazards that threaten health, infrastructure, and livelihoods. Addressing these risks requires ambitious climate policies that drive the societal transformations advocated in climate policy literature. This study examines factors enabling local governments to adopt ambitious flood risk management. Ambitious climate adaptation policies go beyond minimum regulatory requirements to reduce climate vulnerability and enhance resilience. They facilitate their community’s ability to bounce forward after confronting system disruptions and shocks. Given the dynamic nature of climate challenges, scholars emphasize the importance of having a capacity for transformation over achieving fixed outcomes. Accordingly, this study hypothesizes that city governments with higher Transformative Governance Capacity (TGC) are more likely to implement ambitious flood management strategies. TGC is characterized by behavioural qualities such as being learning-focused, proactive, and risk-accepting. Using survey data from 386 U.S. cities, we operationalize and quantify local governments’ TGC and analyze its association with ambitious flood management practices, as proxied by participation in the Community Rating System (CRS) – a voluntary programme that incentivizes communities to exceed national flood mitigation standards. The findings support the hypothesis that greater TGC is associated with higher levels of involvement in the CRS and higher CRS scores, underscoring the importance of this distinct type of behavioural capacity in addressing escalating climate threats. 

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4. A Review of the Community Flood Risk Management Literature: Lessons for Improving Community Resilience to Floods.

   Tyler, J.; Sadiq, A.A.; Noonan, D. S. (April 2019, Natural hazards)

   This study systematically reviews the diverse body of research on community flood risk management in the USA to identify knowledge gaps and develop innovative and practical lessons to aid flood management decision-makers in their efforts to reduce flood losses. The authors discovered and reviewed 60 studies that met the selection criteria (e.g., study is written in English, is empirical, focuses on flood risk management at the community level in the USA, etc.). Upon reviewing the major findings from each study, the authors identified seven practical lessons that, if implemented, could not only help flood management decision-makers better understand communities’ flood risks, but could also reduce the impacts of flood disasters and improve communities’ resilience to future flood disasters. These seven lessons include: (1) recognizing that acquiring open space and conserving wetlands are some of the most effective approaches to reducing flood losses; (2) recognizing that, depending on a community’s flood risks, different development patterns are more effective at reducing flood losses; (3) considering the costs and benefits of participating in FEMA’s Community Rating System program; (4) engaging community members in the flood planning and recovery processes; (5) considering socially vulnerable populations in flood risk management programs; (6) relying on a variety of floodplain management tools to delineate flood risk; and (7) ensuring that flood mitigation plans are fully implemented and continually revised. 

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5. Heading for the Hills? Effects of Community Flood Management on Local Adaptation to Flood Risks: Management and Adaptation to Flood Risks

   https://doi.org/10.1002/soej.12340  

   Noonan, Douglas S.; Liu, Xian (January 2019, Southern Economic Journal)

   The Community Rating System (CRS) program was implemented by the U.S. Federal Emergency Management Agency (FEMA) in 1990 as an optional program to encourage communities to voluntarily engage in flood mitigation initiatives. This article uses national census tract-level data from 1980 to 2010 to estimate whether CRS participation and flood risk affect a community's local patterns of population change. We employ an instrumental-variables strategy to address the potential endogeneity of CRS participation, based on community-scale demographic factors that predict when a tract’s host community joins the CRS. The results find significant effects of the CRS program and flood risk on population change. Taken together, the findings point to greater propensity for community-scale flood management in areas with more newcomers and programs such as CRS stabilizing population, though not especially in flood- prone areas. We observe the CRS neither displacing population toward lower-risk areas nor attracting more people to flood-prone areas. 

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