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防洪保险是非工程防洪措施之一。防洪保险的目的,一是为了将部分地区所受洪灾损失比较合理地分摊到广大受保护地区的范围内,也就是说用众多的投保户积累起来的保险费去补偿保险户受灾的损失;二是为了减少救济费,减少国家财政负担;三是保险户受灾后,能及时得到损失补偿,很快恢复生产,重建家园;四是可以限制洪泛区的开发,从而减少洪灾损
Flood insurance is one of non-engineering flood protection measures. The purpose of flood insurance is to distribute the flood damages in some areas reasonably within the scope of the majority of protected areas, that is to say, using the insurance premiums accumulated by a large number of insured households to compensate for the losses of insurance households; It is to reduce relief fees and reduce the country’s financial burden. Third, after the disaster, the insurance households can receive compensation for losses in time, resume production soon and rebuild their homes. Fourth, they can limit the development of the floodplain and reduce flood damage.