Table 3

Summary Statistics for Explanatory Variables

Variable	Description and Units	Expected Sign	Average	Standard Deviation	Count When Variable = 1
Objective Risk Measures
In 100-year floodplain	= 1 building footprint in 100-year floodplain = 0 otherwise	+	0.2509	0.4343	70
AE zone	= 1 building footprint in AE flood zone = 0 otherwise	+	0.0287	0.1672	8
AH zone	= 1 building footprint in AH flood zone = 0 otherwise	+	0.2222	0.4165	62
In 500-year floodplain	= 1 if building footprint in 500-year floodplain = 0 otherwise	?	0.0717	0.2584	20
Outside floodplain (excluded)	= 1 if building footprint is outside a floodplain = 0 otherwise	N/A	0.6774	0.4683	189
Volume of expected flooding	Volume of expected flooding in primary structure (1,000 ft.³)	+	0.2371	0.9751	N/A
Subjective Flood Risk and Flood Experience
Experienced flood damage	= 1 if any flood damage reported = 0 otherwise	?	0.0932	0.2912	38
Zero expected future flooding (excluded)	= 1 if expected frequency of basement flooding is 0 = 0 otherwise	N/A	0.7168	0.4513	200
1-2 times expected future flooding	= 1 if expected frequency of basement flooding is 1-2 times = 0 otherwise	+	0.2258	0.4189	63
3 or more times expected future flooding	= 1 if expected frequency of basement flooding is 3 or more times = 0 otherwise	+	0.0573	0.2329	16
Home’s risk much lower than neighborhood	= 1 if home’s risk is much lower than neighborhood = 0 otherwise	?	0.3692	0.4834	102
Home’s risk somewhat lower than neighborhood	= 1 if home’s risk is somewhat lower than neighborhood = 0 otherwise	?	0.2366	0.4257	65
Home’s risk average for neighborhood	= 1 if home’s risk is average for neighborhood = 0 otherwise	?	0.1935	0.3958	54
Home’s risk somewhat higher than neighborhood	= 1 if home’s risk is somewhat higher than neighborhood = 0 otherwise	+	0.0466	0.2111	13
Home’s risk much higher than neighborhood	= 1 if home’s risk is much higher than neighborhood = 0 otherwise	+	0.0108	0.1033	3
Don’t know home’s risk compared to neighborhood (excluded)	= 1 if respondent selected “don’t know” for home’s risk = 0 otherwise	N/A	0.1434	0.3511	40
Home Characteristics
Mortgage	= 1 if property has a mortgage = 0 otherwise	?	0.7849	0.4116	219
Property has a basement and/or crawlspace	= 1 if property has a basement and/or crawlspace = 0 otherwise	?	0.9534	0.2111	266
Property’s total value	Total assessed property value $10,000 (2017)	+	28.2143	6.8772	N/A
In FEMA map error area	= 1 if property in FEMA map error area = 0 otherwise	-	0.1470	0.3547	41
Distance to Johnson Creek	Euclidean distance to Johnson Creek (ft.)	-	4,121	2,458	N/A
Demographics
Income	Midpoint of income categories ($)	+	73,952	43,551	N/A
Education	= 1 if bachelor’s degree or higher = 0 otherwise	+	0.5806	0.4943	162
White (excluded)	= 1 if White = 0 otherwise	N/A	0.8495	0.3582	237
Asian	= 1 if Asian = 0 otherwise	?	0.0538	0.2260	15
Prefer not to answer	= 1 if “prefer not to answer” = 0 otherwise	?	0.0430	0.2032	12
Other	= 1 if Black or African American, American Indian or Alaska Native, Native Hawaiian or other Pacific Islander, some other race, or from multiple races = 0 otherwise	?	0.0538	0.2260	15
Age	Years	?	50.76	15.25	N/A
Male (excluded)	= 1 if male = 0 otherwise	N/A	0.4516	0.4985	126
Female	= 1 if female = 0 otherwise	?	0.5232	0.5004	146
Nonbinary or prefer not to answer	= 1 if nonbinary or PNTA = 0 otherwise	?	0.0251	0.1567	7
Tenancy less than 1 year (excluded)	= 1 if less than 1 year = 0 otherwise	N/A	0.0932	0.2912	26
Tenancy of 1-3 years	= 1 if tenancy of 1-3 years = 0 otherwise	?	0.2151	0.4116	60
Tenancy of 4-7 years	= 1 if tenancy of 4-7 years = 0 otherwise	?	0.1792	0.3842	50
Tenancy of 8-15 years	= 1 if tenancy of 8-15 years = 0 otherwise	?	0.2079	0.4065	58
Tenancy of more than 15 years	= 1 if tenancy of more than 15 years = 0 otherwise	?	0.3047	0.4611	85

Note: N = 279