Private insurance cover is provided by insurance companies in the form of an extension to fire policies and may include risks as: flood, storm, earthquake, subside.

保险公司采取火险保单扩展条款的形式提供的私人保险保障，主要保障洪水、暴风雨、地震和地面下沉等风险。

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The Federal Emergency Management Agency told Congress on Tuesday the flood insurance program was nearly out of money to compensate storm victims and required new authority to borrow more money to meet its obligations.

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