In this study, two categories of weather index—absolute index and relative index—for chilling injury and heat damage of three main crops in China were assessed to identify insurable counties. First, correlations between selected weather indices and yield losses were examined for each county. If a correlation was significant, the county was categorized as "insurable" for the corresponding hazard or index. Second, the spatial distribution of insur-able counties was characterized and finally, their correla-tion coefficients were analyzed at various spatial scales. The results show that the spatial pattes of insurable areas varied by categories of weather indices, crops, and hazards. Moreover, the weather indices based on relative threshold of temperature were more suitable for chilling injury in most regions, whereas the indices based on absolute threshold were more suitable for heat damage. The findings could help the Chinese govement and insurance compa-nies to design effective insurance products.