Precipitation disaster-based property insurance claim risk early warning analysis method

The invention belongs to the field of property insurance disaster prevention and loss prevention, and relates to a rainfall disaster-based property insurance claim risk early warning analysis method, which comprises the following steps: effectively evaluating the rainfall disaster occurrence probability of each target sub-region in the current rainfall day, if the rainfall disaster occurrence probability is greater than a set threshold value, obtaining each rainfall disaster-inducing factor value corresponding to each target sub-region in the current rainfall day, inputting a constructed precipitation factor-based claim risk index model of each type of property insurance type of each target sub-region, outputting and obtaining a precipitation factor-based claim risk index of each type of property insurance type of each target sub-region on the current rainfall day, and obtaining an accident claim risk level of each type of property insurance type of each target sub-region on the current rainfall day; and draw