在对保险市场的供求关系进行科学分析的基础上 ,建立了洪水保险模型以确定合理的洪水保险费率来实现这种供求关系 ,最后研究了洪水保险的经济效益 ,以利于洪水保险业的发展 Based on the scientific analysis of the relationship between supply and demand in the insurance market, a flood insurance model was established to determine the reasonable flood insurance rates to achieve this supply-demand relationship. Finally, the economic benefits of flood insurance were studied to facilitate the development of flood insurance industry