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。
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.