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(1). Flood insurance
洪水保险
(2). Sea change
海平面上升
(3). If you have an expensive house near the sea, it's time to sell
如果你在海边有一栋豪宅，那么现在赶快抛售吧
(4). 1:Since the 1960s the government has paid to build flood defences while insisting that insurers cover most properties in flood-prone areas.
2:This arrangement has gradually become a casualty of austerity and climate change.
3:Spending on flood defences fell from629m ($972m) to 510m between 2010 and 2012.
4:Simply repairing existing defences would cost 1 billion per year by 2035.
5:New flood defences will be subject to a rigorous cost-benefit analysis, with more land in effect surrendered to the sea.
6:The last agreement with the insurance industry came to an end this July.
2:This arrangement has gradually become a casualty of austerity and climate change.
3:Spending on flood defences fell from629m ($972m) to 510m between 2010 and 2012.
4:Simply repairing existing defences would cost 1 billion per year by 2035.
5:New flood defences will be subject to a rigorous cost-benefit analysis, with more land in effect surrendered to the sea.
6:The last agreement with the insurance industry came to an end this July.
1:自从20世纪60年代以来，英国政府就出资修建海防工事，并宣称住在洪水风险区的承包人的保险可覆盖大部分财产。
2:这一政策调整逐渐成为通货紧缩和气候变化的牺牲品。
3:从2010年到2012年，用于海防工事的投资从六亿两千九百万英镑（九亿七千两百万美元）降到了五亿一千万英镑。
4:到2035年，每年仅检修目前的海防工事就要耗资10亿英镑。
5:新的海防工事将纳入严格的成本效益分析，涉及更大范围的沿海地区。
6:今年六月，英国政府与保险业签订的上一个协议落下了帷幕。
2:这一政策调整逐渐成为通货紧缩和气候变化的牺牲品。
3:从2010年到2012年，用于海防工事的投资从六亿两千九百万英镑（九亿七千两百万美元）降到了五亿一千万英镑。
4:到2035年，每年仅检修目前的海防工事就要耗资10亿英镑。
5:新的海防工事将纳入严格的成本效益分析，涉及更大范围的沿海地区。
6:今年六月，英国政府与保险业签订的上一个协议落下了帷幕。
(5). In place of the old system, the government has proposed shifting the costs of flooding onto homeowners. All households taking out insurance will now pay a 10.50 levy to Flood Re, a not-for-profit fund, to subsidise premiums for 500,000 houses in flood-prone areas.
新的保险系统下，政府提出将洪灾的费用加到房主的身上。参与洪水保险的家庭现在要向洪水再次保险（一个非盈利性的基金会）缴纳10.5英镑的税款，以帮助修复那些位于洪水风险区的500,000间房屋。
(6). Worse, Flood Re's sums do not yet add up. One government study suggested that the fund has a 58% chance of running out of money in the initial 20 years the scheme is to run for. Some fear that the state may find itself spending some of the money saved by building fewer defences on topping the scheme up.
更糟糕的是，还未合计洪水再保险的资金总额。一项政府调查说，该基金有58%的概率已经花完了该计划前20年的资金。有些人担心政府会为了省钱而减少海防工事的修建量，从而堵上该计划的资金漏洞。
(7). 1:The housing market seems already to be pricing in higher risk.
2:Between 2008 and 2012 property prices rose in four out of the five Lincolnshire postcodes with the lowest flood risk.
3:They fell in four out of the five areas of highest risk (see chart).
4:This may have some good effects.
5:Forcing homeowners to shoulder more of the costs of flooding should encourage them to invest in precautions and discourage builders from erecting houses in risky areas.
6:But in the meantime, in low-lying parts of Britain, wellington boots and sandbags may make wiser investments than houses.
2:Between 2008 and 2012 property prices rose in four out of the five Lincolnshire postcodes with the lowest flood risk.
3:They fell in four out of the five areas of highest risk (see chart).
4:This may have some good effects.
5:Forcing homeowners to shoulder more of the costs of flooding should encourage them to invest in precautions and discourage builders from erecting houses in risky areas.
6:But in the meantime, in low-lying parts of Britain, wellington boots and sandbags may make wiser investments than houses.
1:房地产市场的房价似乎面临着更大的危险。
2:从2008年到2012年，由于少有洪水灾害，林肯郡的房价已经涨了80%。
3:由于日前洪灾的巨大威胁，房价已经降了80%。
4:这可能会起到一些积极的作用。
5:迫使房主承担更多的洪灾风险可促使他们谨慎投资，避免建筑商重建危险地带的房屋。
6:然而，在同一时间，在英国低洼地区，与房地产投资比起来，投资长筒防水靴和沙包是更为明智的选择。
2:从2008年到2012年，由于少有洪水灾害，林肯郡的房价已经涨了80%。
3:由于日前洪灾的巨大威胁，房价已经降了80%。
4:这可能会起到一些积极的作用。
5:迫使房主承担更多的洪灾风险可促使他们谨慎投资，避免建筑商重建危险地带的房屋。
6:然而，在同一时间，在英国低洼地区，与房地产投资比起来，投资长筒防水靴和沙包是更为明智的选择。
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