To deal with disasters more effectively, countries must find the will to create an environment in which a much more developed private insurance industry can flourish. In the US, the National Flood Insurance Program of 1968 made it mandatory for those financing construction or improvement of structures within Special Flood Hazard Areas to buy flood insurance.
为了更有效率地处理灾难事故，各国必须达成一个共同意向，为私人保险业的进一步发展和欣欣向荣营造环境。美国1968年通过的《国家水灾保险项目》规定，凡是在特别水灾危险区筹资建造房产或者改造建筑物的机构都必须购买洪灾保险。