본 연구에서는 국내에서 처음으로 화재보험과 주택종합보험의 풍수재특약 발전 추이를 분석하였다. 또한 농작물재해보험의 시행착오와 정부의 역할을 분석하였다. 이를 참고로 소방방재청이 주도하는 ‘풍수해보험법제정(안)’을 중심으로 정부의 역할에 대해서 다음과 같은 정책적 제언을 하였다. 첫째, 임의보험에서 역선택 문제를 해결하기 위해서는 수해상습지역의 인수거절을 고려할 수 있다. 둘째, 가칭 소방방재공단이 설립되어 풍수해보험을 운영하되, ‘실손보상의 원칙’, 수지상등의 원칙‘ 등과 같은 손해보험의 원리가 적용되어야 한다. 셋째, 정부의 보험료 보조는 농어민에 한정하는 것이 바람직하다. 넷째, 풍수해보험의 도입을 위해서 초과손해율재보험, 혹은 초과손해액재보험과 같이 일정 규모 이상의 피해에 대해서 정부가 최종적으로 재보험자 역할을 하되, 무한대의 지급보증이 필요하다. 다섯째, 풍수해지도는 단순히 재해통계의 집적이 아닌 보험사업자의 언더라이팅에 활용될 수 있도록 작성되어야 한다.

This study analyzed the data for the special policy endorsement of the storm & flood perils in the fire insurance and houseowner’s comprehensive insurance from 1993 to 2002 for the first time in Korea. This study also analyzed the trials and errors of agricultural product insurance by national agricultural cooperative federation and the governmental role in them. Based on these analyses, the proposals were made about the governmental role by focusing on the law of storm & flood insurance managed by the national emergency management agency 1. In order to deal with the anti-selection risk in voluntary insurance, the rejection of a proposal in the flood damage habitual area can be taken into consideration. 2. While the tentatively named "National Emergency Management Corporation" manages the flood insurance program, the principle of non-life insurance, such as the principle of indemnity and the principle of insurance equation, should applied. 3. It is recommended that the premium aid of the government should be limited to farmers and fishermen. 4. To initiate flood insurance, it is required that the government should play an ultimate role as a reinsurer be quaranteeing limitless provision for the damage beyond a fixed scale together with excess loss ratio reinsurance or excess amount-of-damage reinsurance. 5. The storm-and-flood map should be made to fit for the use of the insurer's underwriting.

This study analyzed the data for the special policy endorsement of the storm & flood perils in the fire insurance and houseowner’s comprehensive insurance from 1993 to 2002 for the first time in Korea. This study also analyzed the trials and errors of agricultural product insurance by national agricultural cooperative federation and the governmental role in them. Based on these analyses, the proposals were made about the governmental role by focusing on the law of storm & flood insurance managed by the national emergency management agency 1. In order to deal with the anti-selection risk in voluntary insurance, the rejection of a proposal in the flood damage habitual area can be taken into consideration. 2. While the tentatively named "National Emergency Management Corporation" manages the flood insurance program, the principle of non-life insurance, such as the principle of indemnity and the principle of insurance equation, should applied. 3. It is recommended that the premium aid of the government should be limited to farmers and fishermen. 4. To initiate flood insurance, it is required that the government should play an ultimate role as a reinsurer be quaranteeing limitless provision for the damage beyond a fixed scale together with excess loss ratio reinsurance or excess amount-of-damage reinsurance. 5. The storm-and-flood map should be made to fit for the use of the insurer's underwriting.

storm, flood, insurance, anti-selection risk, map, reinsurer