Table 3 Models. Dependent variable: lnDRTP

const

3.892 (0.000)

2.691 (0.000)

3.901 (0.000)

Damage

0.0002 (0.032)

0.0002 (0.010)

0.0002 (0.002)

Gender

0.031 (0.767)

0.030 (0.759)

0.026 (0.784)

Age

0.006 (0.139)

0.007 (0.0967)

0.006 (0.102)

Education

−0.270 (0.085)

−0.306 (0.033)

− 0.262 (0.061)

Export

0.119 (0.315)

0.093 (0.394)

0.076 (0.471)

Mitigation

0.390 (0.000)

0.355 (0.000)

0.371 (0.000)

Insurance

−0.294 (0.022)

−0.272 (0.021)

− 0.306 (0.010)

Loan

0.364 (0.005)

0.330 (0.005)

0.320 (0.006)

Risk

−0.215 (0.093)

−0.216 (0.066)

− 0.223 (0.052)

Govt_res

0.551 (0.001)

0.520 (0.001)

0.516 (0.001)

Govt_prep

−0.376 (0.018)

−0.322 (0.027)

− 0.291 (0.038)

BCP

−0.381 (0.000)

− 0.321 (0.000)

−0.289 (0.002)

Business

0.085 (0.493)

0.101 (0.377)

0.111 (0.323)

Wy

–

0.275 (0.001)

–

Wu

–

–

0.324 (0.001)

R-squared

0.269

0.310

0.310

AIC

346.39

338.33

338.17

Moran’s I err

0.164 (0.001)

0.010 (0.922)

–

LM-lag

11.754 (0.000)

–

–

LM-err

9.496 (0.002)

–

–

Robust LM-lag

2.292 (0.130)

–

–

Robust LM-err

0.036 (0.847)

–

–

n

177

177

177