洪水保险是非工程防洪措施的一个重要方面,在美国已实行多年,在国内也已引起大家的重视。经过三十多年来的水利建设,基本改变了解放前每遇大水即大面积决口泛滥的局面,防洪方面的成绩是非常显著的。但是,由于洪水的复杂性和防洪工程的艰巨性,完全避免洪水灾害,从经济效益的合理性和举办工程的可行性上讲,既不可能,也不现实。因此行洪、蓄洪、滞洪措施在今后相当长时间内还要继续采用。当前我国正处于改革之年,研究制订符合我国国情的洪水保险法律和政策,应作为改革的内容之一。做好了这项工作,是有重要 Flood insurance is an important aspect of non-engineering flood prevention measures. It has been practiced in the United States for many years and has drawn great attention in China. After more than three decades of water conservancy construction, the basic flood control has changed dramatically. In the event of floods, large-scale flood surges occurred immediately before the liberation, and flood control achievements are remarkable. However, due to the complexity of floods and the difficulty of flood control projects, it is neither possible nor feasible to completely avoid flood disasters in terms of the rationality of economic benefits and the feasibility of conducting projects. Therefore, flood control, flood storage and detention measures should be continued for a long time to come. At present, our country is in the reform year. Studying and formulating flood insurance laws and policies that are in line with China’s national conditions should be taken as one of the contents of the reform. It is important to do this work well