YANGZi-tong,WANGJian-long,WANG Peng,et al.System Design and Implementation Rules of the National Flood Insurance Program in the United States and Development Implications[J].China Water & Wastewater,2025,41(2):28-37.
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System Design and Implementation Rules of the National Flood Insurance Program in the United States and Development Implications

China Water & Wastewater[ISSN:1000-4062/CN:12-1073/TU] volume: 第41卷 Number: 第2期 Page: 28-37 Column: Date of publication: 2025-01-17
Author(s):
YANG　Zi-tong1; 2;  WANG　Jian-long1; 3;  WANG Peng4;  WANG　Shi-ping4;  QIU　Rong-ting3;  SU　De-hui5;  LI　Jun-qi1
（1. Key Laboratory of Urban Stormwater System and Water Environment ， Beijing University of Civil Engineering and Architecture， Beijing 100044，China； 2. Xiamen Branch， China Academy of Urban Planning & Design， Xiamen 361000， China； 3. Beijing Sustainable Urban Drainage System Construction and Risk Control Engineering Technology Research Center， Beijing University of Civil Engineering and Architecture， Beijing 100044， China； 4. Beijing Energy Conservation & Sustainable Urban and Rural Development Provincial and Ministry Co-construction Collaboration Innovation Center， Beijing University of Civil Engineering and Architecture， Beijing 100044， China； 5. Sponge City Rainwater Harvesting Technology Co. Ltd.， Ningbo 315000， China）
Keywords:
flood insurance;  flood hazard map;  national flood insurance program (NFIP) of the United States;  premium rate;  reinsurance;  flood disaster
Abstract:
Flood disasters constitute a critical challenge in urban disaster prevention and mitigation. Flood insurance has been widely adopted in developed countries as an effective non-engineering measure to minimize economic losses, ensure the safety of citizens’ property in flood areas, and mitigate the socio-economic impacts of disasters. Among these efforts, the national flood insurance program (NFIP) in the United States has achieved significant success through continuous improvements. This paper systematically introduces the legislative evolution and the institutional framework of the NFIP, including its system composition, operation mechanisms, fund management strategies, and insurance processes, which have been constantly improved in long-term practice. By examining the current situation of flood management in China, the study has valuable lessons from flood insurance systems in developed countries. It can provide support for designing a flood insurance policy for China.
Last Update: 2025-01-17