Starominski‐Uehara, M., & Keskitalo, E. C. H. (2014). Integrating Adaptation to Climate Change Within Risk Management? The Case of Insurance System Signals and Policy Responses in Hawaii. Risk, Hazards & Crisis in Public Policy, 5(4), 405-424. 

summary by Claude: 

The paper examines the integration of climate change adaptation into policy-making processes related to insurance programs in the highly vulnerable state of Hawaii and its county Kauai. It discusses the role of federal programs like the National Flood Insurance Program (NFIP) and the Disaster Mitigation Act in guiding regional and local mitigation plans, but notes limitations like lack of funding for comprehensive risk assessments. The study finds that the integration of climate change adaptation is constrained by competing priorities at different administrative levels and limited disclosure from private insurers, resulting in increased exposure of local communities to climate risks. While insurance is seen as a potential bridge between public policy and private sector in managing risks, the study shows that priority-setting mechanisms and business interests can limit this bridging role. The case highlights the challenges of integrating long-term climate risks into policy amidst short-term economic pressures and competing funding needs.