This refers to an unintended consequence in which the existence of insurance may encourage maladaptation to natural disaster risks, such as choosing to locate housing in high-risk flood-plain areas.
这是指意外后果，即因为有了保险，人们可能反而因此而不去恰当设法适应自然灾害风险，例如选择在高危险的泛洪平原地区建房。