Abstract: In order to develop apple industry in northwest of Yan'an City, Shaanxi Province, increase income of fruit farmers, achieve precise compensation, and achieve a win-win situation for farmers and insurance companies, policy based agricultural insurance risk zones were divided for apple orchards in Wuqi County and Zhidan County using field surveys, mathematical statistics, random forest regression, and natural breakpoint methods．Using daily minimum temperature from March to May 2022 and number of hail days in the past 12 years in Wuqi County and Zhidan County, light and heavy risk areas of apple policy based agricultural insurance in northwest of Yan'an City were divided based on GIS．Results indicated that the higher the altitude of orchards in northwest of Yan'an City, the higher the daily minimum temperature, and the lighter the degree of frost damage．Valley was a high-risk area due to accumulation of cold air and low temperature, making it unsuitable for planting apples．Eastern part of Zhidan County was a hail prone area, which was a heavy to medium risk area．Considering impact of freezing and hail disasters, 50.5% of apple policy based agricultural insurance in northwest of Yan'an City had a light risk area, medium risk areas accounted for 21.9%, high risk areas accounted for 27.6%．It was recommended to adjust planting structure of orchards in high-risk areas, establish hail prevention nets and artificial operation points in hail prone areas, reduce impact of disasters, and reduce apple planting area in high-risk areas of freezing damage; medium risk areas should increase promotion of insurance policies and financial investment, achieve full coverage, reduce losses for fruit farmers, and achieve sustainable development of the apple industry．