My primary research field is environmental economics, with a broad interest in applied microeconomics and the fields of labor economics, public economics, and behavioral economics.

Work in progress includes a project that provides detailed estimates of the causal impact of flooding on household finances, and a second project that uses a quasi-experimental design to evaluate the impact that post-disaster government assistance has on rates of self insurance.

In a recently published paper, I examine the learning process that economic agents use to update their belief of an uncertain and infrequently observed event. I use data on the purchase of flood insurance in the US to test whether homeowners incorporate all available flooding information when updating their expectation of a future flood. I conclude that a homeowner learning model that allows homeowners to discount past information, possibly due to “forgetting”, is most consistent with observed insurance take-up. I also provide evidence that local television news is an important source of information for homeowners not directly affected by a flood.


Curriculum Vitae




Justin Gallagher

  1. Mailing Address:

  2. Peter B Lewis Building 276

  3. 11119 Bellflower Road

  4. Cleveland, OH 44106

  5. Phone:

  6. (216) 368-8845

  7. E-mail:


  9. Office:

  10. Peter B Lewis 276