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灾害保险是筹措防灾救灾资金的重要手段．本文运用委托-代理理论建立了自然灾害的保险模型，对自然灾害的最优保险合同和保险费率进行了研究，为开展自然灾害的保险业务提供了理论依据．
Disaster insurance is to raise funds for disaster prevention and relief an important means. In this paper, the principal-agent theory is used to establish the insurance model of natural disasters. The optimal insurance contracts and premium rates of natural disasters are studied, which provides a theoretical basis for the insurance business of natural disasters.