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Pluvial flood impacts and policyholder responses throughout the United States

Pluvial floods pose a significant threat to properties, yet comprehensive impact analysis is hindered by data limitations on pluvial inundation. To assess pluvial flood impacts, we leveraged U.S. flood insurance claims and policy records for a subset of properties outside 100-year floodplains, streamflow records, and nationwide precipitation data, enabling us to distinguish damage claims caused by pluvial floods over 1978–2021. Strikingly, 87.1% of the claims analyzed from this subset were due to pluvial floods. Utilizing these pluvial flood claims unveiled distinct regional patterns of pluvial impacts across the contiguous U.S. These patterns are informed by the relationship between claim frequency and precipitation within each region. Remarkably, despite the pervasiveness of impacts, many states are seeing declining uptake in pluvial flood insurance coverage. Our study highlights regions facing heightened pluvial flood risks and underscores the critical need for enhanced consideration of pluvial inundation within risk management frameworks.

The “Future of Energy”? Building resilience to ExxonMobil’s disinformation through disclosures and inoculation

Disinformation campaigns can significantly impact beliefs about climate change. This study involved an online experiment with 1045 U.S. participants, exposing them to a misleading ExxonMobil advertisement, some with disclosures and others preceded by inoculation messages. Participants were divided into five conditions: a control group, a group exposed to pre-bunking messages from U.N. Secretary-General Antonio Guterres, and groups shown social media posts featuring the ad—with or without disclosures—claiming ExxonMobil’s commitment to renewable energy. Results showed the ad effectively influenced beliefs, but disclosures helped participants recognize the content as advertising, and inoculation messages reduced susceptibility, though not entirely. These findings highlight the value of using disclosures and inoculation to counter climate disinformation, providing a foundation for communication strategies that support climate action.

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