Abstract: One of the problems that an insurance agent wants to solve is how to carry out the flood disaster insurance loss estimation swiftly and efficiently for policyholders.According to the actual condition of insurance company,this paper investigates synthetic effects of the suffered body due to disaster,factors leading to the disasters and environment forming them,then brings forward a formula for the flood disaster insurance loss estimation ratio,so that a model for estimating flood disaster loss insurance is established.The factors,such as ground overload capacity related to the flood suffered body and the vulnerability of environment forming disaster,can be concerned and digitalized using the remote sensing and geography information system.The model is used to estimate the flood disaster loss insurance happened to the special economical zone of city Shenzhen.The result indicates that application of the model leads to the higher precision of all kinds of estimated objects.