有鑒於目前國內地方政府對於水災災害防救工作項目執行細度的不足以及地方社區對於水災災害的的資訊及相關措施的缺乏，導致災害所引發的損害居高不下，本文主要之內容是以美國『社區水災評價系統』（Community Rating System）為主軸，說明社區應如何與當地的政府部門合作，執行相關減災工作項目，繼而藉評估社區所執行的防災工作的多寡及項目的達成率，再輔以保險機制的推行，計算社區執行防災工作所獲得的保險等級為何，以獲取較低之保險費率，希冀藉此一系統能為國內地方災害防救工作帶來新的觀念及參考價值，進而提高政府及民眾對於災害防救的意識及相關災害防救工作的了解程度。

Because the local government's working project of flood disaster prevention and rescues do not carry out detailed enough and the information of the floods disaster and relevant measure of the local community at present scared and caused disaster harm remain high. This main content of the U.S.A. "Community Rating System" is explaining how the community should cooperates with local government department, carry out and reduce natural disasters the working project relevantly, then make use of and assess the number of work of taking precautions against natural disaster that the community carries out and reaching rate of the project, and plus the implementation of insurance's mechanism, calculate the community's grade of insurance to obtain lower insurance premium rate. Hoping to make use of this system can bring new idea and reference value in the country, and then improve government and the people and defend the consciousness rescued and relevant disaster and defend and rescue the understanding degree of the work to the disaster.