Xiao Lin, Ph.D.

Associate Professor
PhD, Actuarial Science, Risk Management and Insurance, University of Wisconsin-MadisonBA, Economics, Peking University
Xiao (Joyce) Lin is an Associate Professor at the Greenberg School of Risk Management in the Tobin College of Business at St. John’s University. Before joining St. John’s, Joyce was an Assistant Professor at the University of Connecticut. She received her PhD in Actuarial Science, Risk Management and Insurance from the University of Wisconsin – Madison, and a BA in Economics and BS in Statistics from Peking University in Beijing, China. Her research primarily focuses on insurance economics and catastrophe risk. She has published articles in peer-reviewed journals including the Journal of Risk and Uncertainty, the Journal of Risk and Insurance, and Insurance: Mathematics and Statistics. In addition to research, Joyce has taught a wide range of courses related to statistics, risk management and insurance, and health and life insurance. She currently teaches both risk management and actuarial science courses at St. John’s University.

Teaching Interests

Risk and Insurance; Statistics

Research Interests

Insurance Economics; Catastrophe Risk; Earthquake Insurance

Courses Taught


Select Publications

Journal Articles

Lin, X., Kim, K., and Ivantsova, A. (2023). Insights from the Mandatory Insurer Climate Risk Disclosure Survey in the United States. Risk Management and Insurance Review. vol. 26, pp. 107-118.

Lin, X., Hofmann, A., and Browne, M. J. (2022). Race Discrimination in the Adjudication of Claims: Evidence from Earthquake Insurance. Journal of Risk and Insurance. vol. 89, pp. 553-580.

Lin, X. (2020). Risk Awareness and Adverse Selection in Catastrophe Insurance: Evidence from California’s Residential Earthquake Insurance Market. Journal of Risk and Uncertainty. vol. 61, pp. 43-65.

Lin, X., Zhao, Y., and Giaccotto, C. (2020). Term Structure of Discount Rates for Firms in the Insurance Industry. Insurance: Mathematics and Economics. vol. 95, pp. 147-158.

Lin, X., and Kwon, W. J. (2020). Application of Parametric Insurance in Principle-Compliant and Innovative Ways. Risk Management and Insurance Review. vol. 23, pp. 121-150.

Lin, X. (2019). Feeling is Believing? Evidence from Earthquake Shaking Experience and Insurance Demand. Journal of Risk and Insurance. vol. 87, pp. 351-380.

Frees, E., Lin, X., and Jin, X. (2013). Actuarial Applications of Multivariate Two-Part Regression Models. Annals of Actuarial Science. vol. 7, pp. 258-287.