台灣颱風洪水險保費依地區不同而有三級差異，高風險區保費比低風險區高出許多。本研究從需求面檢驗不同地區民眾對災害保險之願付價格是否有差異。我們於花蓮 (高保費區)、埔里及新竹
(低保費區) 招募113 位受試者參與彩券實驗及問卷調查。我們發現花蓮地區受試者對災害保險之願付價格及購買意願都不比新竹埔里地區為高。我們也發現受試者行為支持展望理論之「低機率高估，高機率低估」；問卷研究與彩券實驗之結論一致性甚高。

The premium for disaster insurance in Taiwan has a three-tier structure, with it being much higher for high-risk areas. We focus on the
demand side and study whether the willingness to pay are unsimilar for
people in different areas. We recruit 113 subjects from Hualien (a high
premium areas) and Puli and Hsinchu (low premium areas) to conduct a
lottery experiment and questionnaire survey. We find that, in comparison
with Puli and Hsinchu, subjects from Hualien do not want to pay a higher
premium for disaster insurance and their intentions for buying disaster
insurance are also not higher. In addition, we also find that the subjects’behavior supports the prospect theory, in that they tend to overestimate low probabilities and underestimate high probabilities. The results from analyzing questionnaire responses are in agreement with experiment conclusions.