1 欧美各国的保险计划防御洪水风险的保险计划分以下三种。第一种形式是政府完全不参与,而由民间保险公司自行承担洪水风险。第二种是根据法律法规等由民间保险公司义务承担洪水风险。第三种形式是国营赔偿机构承担洪水风险,民间保险公司只代理收交保险费。采用第一种形式的国家有英国、法国等。英国是按火灾保险的标准担保洪水及其他自然灾害风险。德国则有所不同,它不仅仅是洪水保 1 European and American countries insurance plan The flood insurance plan is divided into the following three categories. The first form is that the government does not participate at all, but private insurance companies bear the flood risk themselves. The second is based on laws and regulations by private insurance companies to assume the flood risk. The third form is the state-run compensation agencies to bear the flood risk, private insurance companies only agent to submit insurance premiums. Countries using the first form of Britain, France and so on. In the UK, floods and other natural disaster risks are covered by fire insurance standards. Germany is different, it is not just flood protection