Table 4.

The 19 rules extracted from the decision tree.

Rule No	The Rule
Rule 1	The estimated probability of insuring a property against earthquakes is 7% for individuals who rent a property and have less than 4 oil and gas companies on the property. This subgroup represents 50% of the observations in the training dataset
Rule 2	For individuals who rent a property and have more than four oil and gas companies on the property, the estimated probability of insuring the property against earthquakes is 100%. This subgroup represents 0% of the observations in the dataset
Rule 3	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, do not receive gas leases from oil and gas companies, the estimated probability of insuring the property against earthquakes is 12%. This subgroup represents 21% of the observations in the training dataset
Rule 4	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, and receive gas leases from oil and gas companies, do not believe wastewater injection should be stopped abruptly, and are younger than 48 years old, the estimated probability of insuring the property against earthquakes is 7%. This subgroup represents 2% of the observations in the training dataset
Rule 5	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, and receive gas leases from oil and gas companies, do not believe wastewater injection should be stopped abruptly, and are older than 52 years old, the estimated probability of insuring the property against earthquakes is 0%. This subgroup represents 1% of the observations in the training dataset
Rule 6	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, and receive gas leases from oil and gas companies, do not believe wastewater injection should be stopped abruptly, and between 48 and 52 years old, the estimated probability of insuring the property against earthquakes is 100%. This subgroup represents 0% of the observations in the training dataset
Rule 7	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, and receive gas leases from oil and gas companies, believe wastewater injection should be stopped abruptly, have annual income between $75,000 and $99,999, the estimated probability of insuring the property against earthquakes is 0%. This subgroup represents 0% of the observations in the training dataset
Rule 8	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, and receive gas leases from oil and gas companies, believe wastewater injection should be stopped abruptly, do not have annual income between $75,000 and $99,999, and are younger than 19 years old, the estimated probability of insuring the property against earthquakes is 0%. This subgroup represents 0% of the observations in the training dataset
Rule 9	For individuals who do not rent a property, are not of Asian ethnicity, have lived in Oklahoma for less than 9.5 years, and receive gas leases from oil and gas companies, believe wastewater injection should be stopped abruptly, do not have annual income between $75,000 and $99,999, and are older than 19 years old, the estimated probability of insuring the property against earthquakes is 88%. This subgroup represents 1% of the observations in the training dataset
Rule 10	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for over 9.5 years, have less than one oil and gas company on their property, and do not possess an associate degree, are estimated to have a 19% probability of insuring their property against earthquakes. This subset represents 18% of the observations in the training dataset
Rule 11	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma between 18 and 40 years, have less than one oil and gas company on their property, and have an associate degree, are estimated to have a 9% probability of insuring their property against earthquakes. This subset represents 3% of the observations in the training dataset
Rule 12	Individuals who do not rent their property, are not of Asian ethnicity, have less than one oil and gas company on their property, have lived in Oklahoma for over 40 years, and have an associate degree, are estimated to have a 100% probability of insuring their property against earthquakes. This subset represents 0% of the observations in the training dataset
Rule 13	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for less than 18 years, have less than one oil and gas company on their property, have an associate degree, and do not have past earthquake experience, are estimated to have a 0% probability of insuring their property against earthquakes. This subset represents 0% of the observations in the training dataset
Rule 14	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for less than 18 years, have less than one oil and gas company on their property, have an associate degree, have past earthquake experience, and have annual income of at least $125,000, are estimated to have a 0% probability of insuring their property against earthquakes. This subset represents 0% of the observations in the training dataset
Rule 15	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for less than 18 years, have less than one oil and gas company on their property, have an associate degree, have past earthquake experience, and do not have annual income of at least $125,000, are estimated to have an 88% probability of insuring their property against earthquakes. This subset represents 2% of the observations in the training dataset
Rule 16	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for at least 9.5 years, have at least one oil and gas company on their property, do not have an undergraduate degree, and do not expect to be hired by oil and gas companies in the future, are estimated to have a 12% probability of insuring their property against earthquakes. This subset represents 1% of the observations in the training dataset
Rule 17	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for at least 9.5 years, have at least one oil and gas company on their property, do not have an undergraduate degree, and expect to be hired by oil and gas companies in the future, are estimated to have a 100% probability of insuring their property against earthquakes. This subset represents 0% of the observations in the training dataset
Rule 18	Individuals who do not rent their property, are not of Asian ethnicity, have lived in Oklahoma for at least 9.5 years, have at least one oil and gas company on their property, and have an undergraduate degree are estimated to have an 88% probability of insuring their property against earthquakes. This subset represents 1% of the observations in our dataset
Rule 19	Individuals who do not rent their property, are of Asian ethnicity, have lived in Oklahoma for at least 28 years, are estimated to have a 0% probability of insuring their property against earthquakes. This subset represents 0% of the observations in the training dataset
Rule 20	Individuals who do not rent their property, are of Asian ethnicity, have lived in Oklahoma for less than 28 years, are estimated to have a 100% probability of insuring their property against earthquakes. This subset represents 0% of the observations in the training dataset