Abstract: Based on the risk analysis of extreme minimum air temperature,the inter-annual variations of minimum air temperatures and the assessments for citrus freeze damages,a citrus freeze damage insurance model was constructed to design a reference model for citrus freezing damage insurance.In terms of the results,the main citrus regions in Zhejiang Province were classified into two producing areas.One is the hilly and basin areas in the Central-western Zhejiang,while the other is the costal areas in the Eastern Zhejiang.For each citrus producing area,the insurance contents for light,medium and heavy damages were confirmed by the meteorological indexes which integrated extreme minimum air temperature.

Key words: Citrus, Citrus, Freezing damage, Insurance index, Zhejiang Province