FEMA宣布国家洪水保险保单可在线购买：约2.27万个参与社区的业主、租户与商户可经FloodSmart.gov办理
联邦紧急事务管理局（Federal Emergency Management Agency, FEMA）宣布，国家洪水保险计划（National Flood Insurance Program, NFIP）的保单可以在线办理。居民可通过 FEMA 的 FloodSmart.gov 网站获取自家房产的洪水保险报价，并通过该计划的「直达客户」（Direct to Customer, D2C）平台联系承保机构购买所报保单。
NFIP 由国会于1968年设立，目前为全美约2.27万个参与社区的近500万名保单持有人提供洪水保险。保单由 FEMA 管理，经48家以上保险公司及 NFIP Direct 销售与服务，可承保建筑物、室内财产，或两者兼保。参与社区须采纳并执行洪泛区管理规定，以换取联邦向社区居民提供洪水保险。
在参与社区内，业主、租户与商户均可购买 NFIP 保单，承保范围不以房屋位于高风险洪水区为限。FEMA 指出，普通业主保险一般不承保洪水损失，而 NFIP 保单的理赔不以总统发布灾难宣告为前提。保额上限为：住宅建筑最高25万美元、室内财产最高10万美元，商户建筑与室内财产各最高50万美元。FEMA 的数据显示，约四成的 NFIP 理赔发生在高风险区之外，约99%的美国县都曾经历洪水事件。
FEMA 代理署长 Cameron Hamilton 在宣布在线渠道时说：「我鼓励美国人访问 FloodSmart.gov 获取洪水保险报价。操作快捷简便，只需几分钟。有保险的幸存者恢复得更快。」NFIP 高级主管 Elizabeth Asche 表示，美国持有洪水保险的家庭不到4%，D2C 平台让客户几乎可以在任何地方直接查看一处房产的洪水风险并购买洪水保单，FEMA 希望借此让洪水保险更容易获得，并缩小保险缺口。
FEMA Announces NFIP Flood Insurance Can Be Bought Online: Owners, Renters and Businesses in About 22,700 Participating Communities Can Use FloodSmart.gov
The Federal Emergency Management Agency (FEMA) announced that policies under the National Flood Insurance Program (NFIP) can be obtained online. Residents can get a flood insurance quote for their property through FEMA's FloodSmart.gov website and, through the program's Direct to Customer (D2C) platform, connect with carriers to purchase the quoted policy.
Congress created the NFIP in 1968. The program today provides flood insurance to nearly 5 million policyholders in about 22,700 participating communities across the country. Policies are administered by FEMA and are sold and serviced by a network of more than 48 insurance companies and the NFIP Direct. Policies can cover a building, its contents, or both. Participating communities adopt and enforce floodplain management ordinances in exchange for federal flood insurance being made available to their residents.
Within participating communities, property owners, renters and businesses can all buy NFIP policies, whether or not a property sits in a high-risk flood zone. FEMA notes that standard homeowners insurance generally does not cover flood damage, and that an NFIP policy pays claims without requiring a presidential disaster declaration. Coverage limits are up to $250,000 for a residential building and $100,000 for its contents, and up to $500,000 each for a commercial building and its contents. According to FEMA, about 40 percent of NFIP claims come from outside high-risk areas, and 99 percent of U.S. counties have experienced a flood event.
"I encourage Americans to visit Floodsmart.gov to get a flood insurance quote," said Cameron Hamilton, Senior Official Performing the Duties of FEMA Administrator, in announcing the online channel. "It's quick and easy and takes just a few minutes. Insured survivors recover faster." Elizabeth Asche, the senior executive of the National Flood Insurance Program, said less than 4 percent of U.S. households have flood insurance, and that the D2C platform gives customers direct access to a property's flood risk and the ability to purchase a flood policy from just about anywhere, as FEMA works to make flood insurance more accessible and narrow the insurance gap.
发布：GSM·美国（发布链接）
图片来源：2025年5月，联邦紧急事务管理局（FEMA）审查委员会在华盛顿艾森豪威尔行政办公大楼举行首次会议。照片：国土安全部，公共领域，经维基共享资源／The FEMA Review Council holds its initial meeting at the Eisenhower Executive Office Building in Washington, D.C., in May 2025. Photo: Department of Homeland Security, public domain, via Wikimedia Commons
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