崇义县率先在江西省实施政策性农村住房统一保险,完善救灾保障机制,提高灾区重建能力,为受灾农户高效重建家园、恢复生产探索出一条有益的路径,为建设社会主义新农村和构建和谐社会提供了重要保障。农村住房是农民赖以生存的基本的生产生活资料,农民受灾后重建家园的能力往往较弱,政府下拨救灾资金和社会捐赠资金有限,农民缺乏灾后重建住房的资金保障,因灾致贫和因灾返贫现象时有发生。因此,改变这种单一的救灾模式已迫在眉睫,必须探索出一条保障 Chongyi County took the lead in the implementation of policy-oriented rural housing unified insurance in Jiangxi Province, improve the disaster relief guarantee mechanism, improve the reconstruction capacity of disaster-hit areas, and explore a beneficial path for the affected farmers to efficiently rebuild their homes and resume production. In order to build a new socialist countryside and build a harmonious Society provides an important guarantee. Rural housing is the basic living and working material for peasants to survive. Peasants’ ability to rebuild their homes after the disaster is often weak. Funds allocated by the government for disaster relief and social donations are limited. Peasants lack funds to rebuild housing after the earthquake, Due to the disaster back to poverty have occurred. Therefore, it is imminent to change such a single mode of disaster relief and a guarantee must be explored