本文之主要研究目的在於應用計?的方法估計出臺灣各地區稻作因颱風所造成之損失函?，接著以此損失函?為基礎?試算出實施天然災害保險下，臺灣各地區稻作之保費費?。就稻米的損失函?之估計而言，本研究嘗試以最小平方法（Ordinary Least Square，以下簡稱OLS）、Tobit模型以及Truncated模型?估計稻米的損失函?，由於颱風是造成稻米損失的主要天然災害，因此損失函?的解釋變?為颱風帶?之最大風速和?積雨?，由實証結果發現颱風所帶?最大風速對於臺灣各地區的稻米皆有顯著的影響；至於雨?對中南部的稻米單位面積之損失較?部與東部地區的影響小。接著，本研究?用純保費法?計算稻作實施天然災害保險的保費費?，以每公頃十萬元的保險?額而言，每公頃的保費費?為 0.166%至4.178%之間，因此每公頃的純保險費用約75至3,400元。

The purposes of this study are to estimate rice damage functions by typhoon using econometric toll and the premium calculation of disaster insurance in Taiwan. To estimate rice damage functions by typhoon, OLS, Tobit, and Truncated Models are applied. The empirical results show that there is a positive significant impact of wind speed on rice. However, the impacts of rainfall by typhoon in the central and southern areas are much smaller in the areas of the northern and eastern. Finally, the estimation of rice damage functions is applied to calculate the premium. Basic on $NT 100,000 of rice production cost per hectare as insurance coverage, the premium is ranged from 0.166% to 4.178% which is about $NT 75 to 3,400 per hectare of insurance cost if the disaster insurance is implemented.