英国政府正在启动一项项目，称其将创建标准化的洪水评估，以帮助房主、保险公司和银行管理其面临的此类风险。
The UK government is launching a program it says will create standardized flood assessments to help homeowners, insurers and banks manage their exposure to such risks.
洪水性能证书（FPC）将首先在洪水风险地区作为试点项目推出，明年将进行更广泛的推广，这是环境、食品和农村事务部周二在一份声明中所说的。目标是提供房产可能面临损失的“清晰评估”，该部门表示。
The Flood Performance Certificates (FPC) will initially serve as a pilot program in flood-risk areas ahead of a wider rollout next year, according to a statement on Tuesday by the Department for Environment, Food and Rural Affairs. The goal is to provide a “clear assessment” of the losses a property is likely to face, it said.
“洪水对家庭和社区造成毁灭性影响，我们需要让所有家庭了解自身面临的洪水风险以及可以采取哪些措施来降低风险，”防洪部长埃玛·哈迪在声明中表示。FPC项目将“让人们有机会在一个地方获取关于其房屋面临的洪水风险的清晰、可信信息。”该项目的推出正值保险公司警告称，英国洪水风险正在持续上升。据Aviva英国及爱尔兰通用保险首席执行官Jason Storah称，到本世纪中叶，四分之一的英国住宅可能面临洪水风险。
“Flooding is devastating for families and communities, and we need all households to know about their own flood risk and what can be done to reduce it,” Floods Minister Emma Hardy said in the statement. The FPC program will “give people the opportunity to access clear, trusted information in one place about the flood risk their home faces.”The development comes as insurers warn of a relentless rise in flood risk across Britain. By mid-century, a quarter of UK homes are likely to be at risk from flooding, according to Jason Storah, chief executive for UK & Ireland General Insurance at Aviva.
然而，为了使所提出的证书项目成功，保险公司需要与银行以及英国的最后保险人Flood Re合作，他在声明中表示。
In order for the proposed certificate program to succeed, however, insurers will need to work together with banks and the UK’s flood insurer of last resort, Flood Re, he said in the statement.
鼓励房主投资于洪水防护措施，以减少洪水对英国住宅的影响是该项目的目标，Flood Re首席执行官Perry Thomas表示。他所运营的国有保险公司将在本季度开始试点FPCs，他表示。
The goal is to encourage homeowners to invest in flood protections and to reduce the impact of flooding on homes across the UK, Flood Re CEO Perry Thomas said. The state-backed insurer he runs will begin piloting FPCs this quarter, he said.
这些证书有望成为“房主、贷款人和保险公司真正有价值的工具”，全国建筑协会房地产风险主管Robert Stevens表示。“采用标准化的方法将有助于提高住房市场对洪水风险的理解，”他在声明中表示。
The certificates have the potential to become “a really valuable tool for homeowners, lenders and insurers,” said Robert Stevens, Nationwide Building Society’s head of property risk. “Having a standardized approach will support greater understanding of flood risk across the housing market,” he said in the statement.