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Typhoon is the most serious natural disaster in the southeastern coastal region of China.The risk assessment of typhoon disaster is the key part for typhoon risk management.For the insurance sector,it is the scientific basic to collate and stipulate the premium for typhoon insurance.The paper puts forwards annual expected loss model to assess enterprise risk of typhoon disaster.Choosing typhoon process rainfall to depict typhoon intensity and choosing ratio between amount of insurance and insurance indemnity to express enterprise loss rate.Correlations between typhoon process rainfall and enterprise loss rate is significant.