Refereed Publications


Kim, K. & Lin, X. (2023). Climate risk in the commercial mortgage portfolios of life insurers: A focus on sea level rise and flood risks. Journal of Insurance Regulation. Published 


Lin, X., Kim, K., & Ivantsova, A. (2023). Insights from the Mandatory Insurer Climate Risk Disclosure Survey in the U.S. Risk Management and Insurance Review, 26, 107-118. Published | Manuscript  


Lin, X., Browne, M. J., & Hofmann, A. (2022). Race discrimination in the adjudication of claims: Evidence from earthquake insurance. Journal of Risk and Insurance, 89(3): 553-580. Published | Manuscript | Online Appendix


Lin, Xiao. (2020). Risk awareness and adverse selection in catastrophe insurance: Evidence from California’s residential earthquake insurance market. Journal of Risk and Uncertainty, 61(1), 43-65. Published | Manuscript | Online Appendix


Giaccotto, C., Lin, X., & Zhao, Y. (2020). Term structure of discount rates for firms in the insurance industry. Insurance: Mathematics and Economics, 95, 147-158. Published | Manuscript | Online Appendix


Lin, X., & Kwon, W. J. (2020). Application of parametric insurance in principle‐compliant and innovative ways. Risk Management and Insurance Review, 23(2), 121-150. Published | Manuscript

Lin, X. (2019). Feeling is believing? Evidence from earthquake shaking experience and insurance demand. Journal of Risk and Insurance, 87(2), 351-380. Published | Manuscript | Online Appendix

Frees, E. W., Jin, X., & Lin, X. (2013). Actuarial applications of multivariate two-part regression models. Annals of Actuarial Science, 7(2), 258-287. Published | Manuscript


Other Publications


Kwon, W. J. & Lin, X. (2019). Triggering Innovation: Parametric Insurance. Market Insight Report for Lloyd's of London. Link


Hofmann, A. Lin, X. (2019). Innovation in the Insurance Industry in a Climate of Change. In: Innovation in the European Insurance Industry (Eckstein, Funk-Muenchmeyer, Liebetrau (eds.)), 139-148, VVW GmbH, Karlsruhe. Manuscript


Working Papers


Lin, X. Disaster Recovery and Adaptation: Evidence from the Caribbean. Manuscript


Kim, K & Lin, X. Underwriting Sea Level Rise Risk: Evidence from the Insurance Industry. Manuscript available upon request.

Lin, X., Steinacker, R., Browne, M. & Richter, A. On Area Contracts in the Federal Crop Insurance Program. Manuscript available upon request.


Ivantsova, A., Kim, K & Lin, X. Climate Risk Disclosure and Institutional Investors: Evidence from the Insurance Industry. SSRN


Works in Progress


Anand, V., Browne, M. & Lin, X. Adapting to Risk: How Work-From-Home Practices Shape Responses to Weather Advisories


Bock, S., Browne, M., Lin., X, & Steinorth, P. Flood Insurance, Government Relief Programs, and Economic Recovery in Europe.