Xuesong (Song) You

I am an economist with research interests in climate risk, insurance, and household finance. I hold a Ph.D. in Risk Management and Insurance.

My work experiences include working as a Climate Research Economist at Freddie Mac, and as a Postdoctoral Research Fellow at University of Pennsylvania's Wharton Risk Management and Decision Process Center.

The views expressed on this site are solely my own.

NEWS

October 2025

Listen to my UCLA Anderson Forecast Podcast episode, where I discuss my recent paper, "Wildfire Insurance Availability as a Risk Signal: Evidence from Home Loan Applications."

August 2025

My paper, co-authored with Carolyn Kousky, "Improving Household and Community Disaster Recovery: Evidence on the Role of Insurance," received the 2025 Robert C. Witt Award from the American Risk and Insurance Association!

December 2024

My paper, co-authored with Carolyn Kousky, "The Role of Insurers in Driving Post-Hurricane Risk Reduction Investments," is now published at npj Natural Hazards!

Using a unique survey of survivors impacted by one of four U.S. hurricanes, we investigate household decisions to invest in risk mitigation measures during rebuilding. We find that insurers play a key role in this process by providing both information and financial incentives.

Page updated

Google Sites

Report abuse