民國八十七年瑞伯、芭比絲及八十九年象神等颱風造成汐止、五堵地區多處淹水嚴重，幾次颱風所造成的損害也使得基隆河流域的整治倍受關注。由於基隆河流域的整治工程，需時甚久，為使易遭水患地區之民眾能得到財產的保障，水利單位開始研擬洪災保險實施之可行性。本研究以基隆河汐止、五堵地區為標的，採實地訪問方式，調查汐止、五堵地區以往洪災淹水地區居民之損失狀況，並分析淹水居民參加洪災保險的意願、願付之保費費率等相關問題，以作為規劃洪災保險之參考。

In 1998 and 2000 Typhoons Zeb, Babs and Xangsane flooded the Shijr and Wu-doo Area in northern Taiwan. The enormous damages have brought into public attention the flood mitigation effort along the Keelung River. Because the structural measures for flood protection usually takes a long time to complete, the water authorities in Taiwan are interested in undertaking the non-structural measures such as flood insurance program to mitigate the financial losses for people resided in the flood zone. In this paper, residents' flood losses and demand for flood insurance in the Shijr and Wu-doo Area are surveyed. The tobit and logit regression results show that flod risk perception and income level are significantly associated with the residents' willingness to insure. Food duration is also significantly associated with the residents' willingness to insure. Food duration is also positively related to the maximum amount they are willing to pay. Education and governmental involvement are important factors to increase the participation rate.