巨灾保险是全球各国面临的普遍问题。发达国家已经建立起比较完善的巨灾风险管理体系,特别是在巨灾保险制度方面。当前,巨灾保险承保的灾害主要为地震、洪水,部分国家和地区针对地震保险、洪水保险出台了一系列法律法规。美国《联邦洪水保险法》美国1956年通过了《联邦洪水保险法》,1968年美国国会又通过了《全国洪水保险法》,1973年再次通过了《洪水灾害防御法》对前一部法律予以 Catastrophe insurance is a universal problem facing all countries in the world. Developed countries have established comparatively perfect catastrophe risk management system, especially in catastrophe insurance system. At present, catastrophe insurance covers the major earthquakes and floods. Some countries and regions cover earthquake insurance and flood insurance has issued a series of laws and regulations. U.S. Federal Flood Insurance Act The United States passed the Federal Flood Insurance Act in 1956. In 1968, the U.S. Congress passed the National Flood Insurance Law. In 1973, it passed the Flood Defense Defense Act again to give the previous law