在生产日益发展,物质财富越来越丰富的今天,洪灾威胁并没有减少,而从全世界来看洪灾造成的损失仍居各种自然灾害之首。在防洪措施上,除去工程措施之外,非工程防洪措施已越来越被人们所重视。而防洪保险就是非工程防洪措施之一。防洪保险主要不是减免洪水灾害,而是筹措防洪保险基金,补偿由于洪水造成的损失,解除洪泛区人民发展生产的后 Today, as production is developing increasingly and material wealth is getting richer, the threat of flooding has not diminished. From a global perspective, the losses caused by floods are still the highest among various natural disasters. Flood control measures, except for engineering measures, non-engineering flood control measures have been more and more attention. Flood control insurance is one of the non-engineering flood prevention measures. Flood insurance is not mainly to reduce floods, but to raise flood insurance funds to compensate for losses due to floods, flood relief people to develop production