极端洪水给人类造成了巨大损失,极端洪水保险是分散极端洪水风险的一种有效手段.基于政府、市场和公众合作的极端洪水保险模式是适合我国国情的.在此模式下,建立政府有效参与的保险公司和保险区域风险组合随机优化模型,保证极端洪水保险的有效供给和需求,为合理厘定保险费率提供理论基础.随机优化模型中充分考虑了保险公司的破产概率、稳定性经营和保险区域的灾后恢复能力.最后给出了此模型的收敛性定理. Extreme floods have caused huge losses to human beings, and extreme flood insurance is an effective measure to disperse the risk of extreme floods.Outside flood insurance based on government, market and public cooperation is suitable for China’s national conditions.Under this mode, establishing effective government participation The stochastic optimization model of stochastic optimization model which considers the bankruptcy probability of insurance company, stability management and insurance Regional disaster recovery ability.Finally, the convergence theorem of this model is given.