Abstract: Using meteorological data of Yan'an City from 2011 to 2021 and apple insurance claim data from 2019 to 2021, high and low risk division indicators of apple policy agricultural insurance in Yan'an City were determined by using statistical methods and expert evaluation methods, and high and low risk areas were determined．Results showed that severe hail weather occurred in 5 years and severe frost damage occurred in 3 years since 2011, which caused serious overdraft of apple insurance in Yan'an City．Taking number of hail days in villages and towns（community and street office）≥8 days as index to distinguish high-risk area from low-risk area, combining with effect of freezing damage, 70% of apple planting area in Yan'an City was designated as high-risk area to realize healthy development of apple policy agricultural insurance．