ABSTRACT The availability of flood insurance to compensate victims for the financial losses they incur from flooding is fundamental to flood risk management in UK in underpinning government risk management measures. Yet in Scotland, insurance penetration rates in the population are low for those in the lower deciles of gross weekly income, and for those living in rented accommodation. The subsidised affordable policies available under Flood Re are not available to this fraction of the population, as they do not insure now and therefore are not eligible. The rented segment of the housing market is expanding, leaving an increasingly large number of people likely not to insure against flood damage although many will hopefully have damage to the structure of their houses covered by landlords’ insurance policies. The vulnerability to flooding of Scottish households with low incomes in rented accommodation is a most unsatisfactory situation, particularly as climate change appears to have greatest impact in increasing flood severity in such deprived and disadvantaged neighbourhoods.

中文翻译：

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苏格兰的洪水保险：引起严重关注

摘要 洪水保险的可用性来补偿受害者因洪水而遭受的经济损失，对于英国洪水风险管理而言，是支持政府风险管理措施的基础。然而，在苏格兰，对于每周总收入较低的人群以及居住在出租房屋中的人群来说，保险渗透率较低。Flood Re 下可用的补贴负担得起的政策不适用于这部分人口，因为他们现在不投保，因此不符合条件。住房市场的租赁部分正在扩大，使得越来越多的人可能无法为洪水灾害投保，尽管许多人希望房东的保险政策涵盖他们的房屋结构。