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  3. Each year, more US properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban

Each year, more US properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban

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问题     Each year, more US properties within floodplains are destroyed by flooding than fire. Changing weather patterns, increased urban development, and the leveling of forests have reduced the land’s natural ability to absorb water. As flooding becomes a common occurrence, property owners need to face the facts. Flood damage can happen anytime, no matter where you live.
    Flood insurance, which is financially backed by the US Government through the National Flood Insurance Program, is available through Homesite Insurance and the Home-site Insurance Agency. The National Flood Insurance Program(NF1P)through the Federal Emergency Management Agency is the primary provider of flood insurance. The Homesite Insurance Company acts as a " Write-Your-Own" company on behalf of the NFIP. "Write-Your-Own" companies sell and service flood policies and the NFIP pays the claims.
    Property owners know a Homeowners policy covers fire damage, but most don’t realize that it won’t cover flood or mudslide damage. Rising waters and debris can destroy your home, business, and personal belongings within minutes. Most floods don’t qualify for federal disaster aid. Only floods that are declared national disasters by the President qualify for federal assistance. This assistance is in the form of a grant averaging less than $2, 500, or a federal loan that must be paid back with interest. That’s in addition to payments on your existing mortgage loan!
    Only flood insurance protects your home and your belongings from damage caused by rising water or mudflow. Flood insurance is available for the value of the structure minus the land value. Contents coverage is also available, but is optional and must be requested. Even if you’ve had previous flooding, you can still buy flood insurance. If you’ve received disaster assistance before, you must first obtain flood insurance to be eligible for future federal relief.
    The average flood policy is only $324 a year—that’s less than $1 a day. Compare that to a typical disaster loan of $50, 000, costing more than $300 a month for over 18 years! Flood insurance pays all covered claims even if a federal disaster is not declared. Claims are paid quickly so victims can recover faster. You can even get a partial payment right away to get started. Flood coverage is available up to $250, 000 for your home, and up to $100, 000 for the contents.
    Anyone can buy flood insurance if his/her property is located in a community that participates in the National Flood Insurance Program. Homes, condos, apartments, and business structures are all eligible. Even renters may purchase flood insurance for their possessions. Since flood premiums are set by the US government, your rate is the same from any insurer.
According to the passage, which of the following is CORRECT?
选项 A、Flood insurance pays only those declared by the President as a federal disaster.
B、Flood insurance is easy to buy.
C、Renters cannot purchase flood insurance for their possessions.
D、Flood insurance protects your home from damage caused by fire.
答案B
解析 推理题。从文章中对洪水保险的各种规定和操作进行了分析，购买这种保险应该是很容易的，所以[B]为正确答案。[A]”洪水保险只对那些被总统宣称为联邦灾难的洪水有效”与倒数第二段“Flood insurance pays all covered claims even if a federal disaster is not declared”文意相悖；[C]”租住房屋者不可为自己的财产投保洪水险”与原文最后一段“Even renters may purchase flood insurance for their possessions．”相悖；[D]”洪水险可以保护你家的房子不受火灾的困扰”与原文不符，故均可排除。
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