Rand兰德：2025年美国住宅物业公共灾害风险再保险计划的利弊报告（英文版）

The U.S. residential insurance market does not appear to be holding up well in the face of rising natural disaster risk. These problems are multifaceted and caused by many factors, but there are several potential strategies to address them. This paper explores one of these strategies: a public reinsurance program for residential properties. The authors begin by providing background on the U.S. residential insurance market and then review examples of public insurance and reinsurance programs i