Xuesong You - Research

Working Papers

Wildfire Insurance Availability as a Risk Signal: Evidence from Home Loan Applications, with Carolyn Kousky and Ajita Atreya

Presentations: FHFA Fall 2024 Econ Summit on Climate Risk; Federal Reserve Bank of Philadelphia RADAR Climate Seminar; American Risk and Insurance Association Conference

Climate Risk and Insurer Adaptation: Evidence from the 2017–2018 California Wildfires, with Penny Liao

Presentation: UPenn Wharton's Energy Economics and Finance Seminar

Beliefs about Disaster Assistance and Moral Hazard, with Fran Moore, Joakim Weill, and Indu Roychowdhury

Publications

Improving Household and Community Disaster Recovery: Evidence on the Role of Insurance, with Carolyn Kousky

Journal of Risk and Insurance, June 2024, 91(2): 299-338. [PDF | Appendix | Code]

🏆 2025 Robert C. Witt Award, American Risk and Insurance Association (ARIA)

The Role of Insurers in Driving Post-Hurricane Risk Reduction Investments, with Carolyn Kousky

npj Natural Hazards, December 2024, 1(1): 1-4. [PDF]

Financing Negative Shocks: Evidence from Hurricane Harvey, with Ben Collier, Lars Powell, and Marc Ragin

Journal of Financial and Quantitative Analysis, May 2025, 60(3):1342-1372. [PDF | Appendix]

Multiemployer Defined Benefit Pension Plans: Employer Withdrawals and Financial Vulnerability, with Tianxiang Shi

North American Actuarial Journal, April 2022, 27(1): 121–147. [PDF]

Work in Progress

Insuring Resilience: The Role of Insurers in Wildfire Adaptation, with Carolyn Kousky
The Spillover Effects of Flood Buyouts on Nearby Housing Markets, with Penny Liao

Blog Posts, Reports, and Briefs

Do California Insurers Reward Wildfire Resilience? with Carolyn Kousky

Insurance for Good, November 2025.

Addressing Financial Recovery Gaps for South Carolina Households: Models for Inclusive Disaster Insurance, with Carolyn Kousky and Karina French

Ceres and EDF, May 2023.

Linking Inclusive Finance with Inclusive Insurance in the United States Through Community Development Financial Institutions, with Carolyn Kousky, Helen Wiley, and Jerry Skees

EDF, 2022.