
New Books in Economics Bench Ansfield, "Born in Flames: The Business of Arson and the Remaking of the American City" (Norton, 2025)
Aug 20, 2025
Bench Ansfield, an Assistant Professor of History at Temple University and author, explores the hidden narratives of urban arson in his compelling work. He reveals how landlords exploited insurance incentives, leading to devastating fires in marginalized neighborhoods. Ansfield introduces 'brownlining,' highlighting racial and economic injustices. The podcast also discusses community responses, the transformation of the insurance industry, and local efforts to reshape negative stereotypes about the Bronx during a turbulent era. It’s a profound look at history's impact on urban life.
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Financialization Made Arson Economically Viable
- Financialization in the 1970s shifted insurer profits from underwriting to investment income.
- This investment focus lowered underwriting standards and tolerated higher losses, enabling profit-driven arson.
Overinsurance Correlated With Fires
- Municipal Arson Strike Force records linked overinsurance to higher burn rates and showed public housing rarely burned.
- Buildings insured for many times their value were likeliest to be torched to collect payouts.
Tactical Firesetting Targeted Roofs
- Arsonists commonly started fires in the cockloft to destroy roofs and force buildings to be declared total losses.
- The goal was to 'total' structurally sound buildings via roof and water damage, not to incinerate entire blocks.

