Flood causes the most serious economic losses in natural disasters. The loss of flood disaster reached historical maximum in China in 2010, calling for the establishment of a sound and comprehensive flood risk management system once again urgently. Flood risk management in English and USA is always as a successful case for other countries suffering flooding risk to study. However, the lack of design in transferring catastrophe risk and the problem of seriously adverse selection and greatly government pressure in flood control are exposed when the catastrophe comes. This paper proposes a new integrated flood risk management system including safe fortification, disaster relief, emergency management and risk transfer. On this basis, developing a long -term flood insurance policy, encouraging flood reinsurance, and fully using new technology in capital market to achieve multi -level risk transfer, is the future goal which flood risk management endeavors.%洪水灾害是导致经济损失最为严重的一种自然灾害，2010年我国洪涝灾害损失各项指标达到历史极值，再次警示我们建立一套健全完善的洪水灾害风险管理体制刻不容缓。一直以来，英美洪水灾害风险管理都作为成功案例为饱受洪灾威胁的国家纷纷效仿，然而一场巨灾，不但检验出两国现有洪水灾害风险管理体制在转移巨灾风险设计方面的制度欠缺，也将其在转移一般洪水风险设计中未曾解决的逆选择严重、政府防洪投入压力大等隐患暴露出来。综合别国风险管理的经验教训，创建“安全设防、救灾救济、应急管理与风险转移”相结合的新型洪水灾害风险综合管理体制，开发长期洪水保单，发展洪水再保险，运用资本市场新技术实现对洪水风险的多层次转移，是未来我国洪水灾害风险管理的努力方向。
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