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X-WR-CALNAME;VALUE=TEXT:TSE
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TZID:Europe/Paris
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DTSTART:20251026T030000
TZOFFSETFROM:+0200
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RDATE:20261025T030000
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UID:calendar.141766.field_date.0@www.tse-fr.eu
DTSTAMP:20260714T223054Z
CREATED:20260204T081001Z
DESCRIPTION:Joakim Weill (Federal Reserve Board)\, “Pricing Protection: Cre
 dit Scores\, Disaster Risk\, and Home Insurance Affordability”\, Environme
 ntal Economics Seminar\, Toulouse: TSE\, May 18\, 2026\, 11:00–12:15\, roo
 m Auditorium 4.\n\nWe use 70 million policies linked to mortgages and prop
 erty-level disaster risk to\nshow that credit scores impact homeowners ins
 urance premiums as much as disaster\nrisk. Homeowners with low credit pay 
 24% more for identical coverage than high–creditscore\nhomeowners. Leverag
 ing a natural experiment in Washington State\, we find that\nbanning the u
 se of credit information considerably weakens the relationship between\ncr
 edit score and pricing. We discuss the role of credit information in prici
 ng and show\nthat\, although insurance is often overlooked in discussions 
 of home affordability\, a low\ncredit score increases premiums roughly as 
 much as it raises mortgage rates.
DTSTART;TZID=Europe/Paris:20260518T120000
DTEND;TZID=Europe/Paris:20260518T131500
LAST-MODIFIED:20260328T011001Z
LOCATION:Toulouse: TSE\, May 18\, 2026\, 11:00–12:15\, room Auditorium 4
SUMMARY:Environmental Economics Seminar
URL;TYPE=URI:https://www.tse-fr.eu/seminars/2026-pricing-protection-credit-
 scores-disaster-risk-and-home-insurance-affordability
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