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自五十年代以来,美国开始研究并实施非工程防洪措施,对洪泛区进行管理。洪水保险是非工程措施之一。洪水保险的参加者按财产拥有情况和所在地区的洪水危险程度,交纳一定的保险费,遇洪灾后可得到投保财产损失的赔偿费。实行洪水保险,一方面保险费的收入可补偿政府一部分洪灾救济费,另一方面通过洪水保险的立法行政管理、经济和技术等手段,达到控制洪泛区开发、减少洪灾损失的目的。美国实行的洪水保险主要包括下列内容:
Since the 1950s, the United States began to study and implement non-engineering flood prevention measures to manage the floodplain. Flood insurance is one of the non-engineering measures. Flood insurance participants according to the possession of property and flood risk in the region to pay a certain amount of insurance premiums, flood insurance can be obtained after the loss of compensation for property damage. The implementation of flood insurance, on the one hand the premium income to compensate for the government part of the flood relief fee, on the other hand through the flood insurance legislation and administrative, economic and technical means to control floodplain development and reduce flood damage purposes. The flood insurance in the United States mainly includes the following: