The invention discloses a property insurance risk accumulation prediction method based on space grid calculation, and the method comprises the following steps: S1, framing a region range, and determining
longitude and
latitude points of a starting point; s2, determining a single grid distance according to the analysis elements; s3, drawing a space
grid based on the starting point, and carrying out grid coding; s4, vectorizing the target; s5, grid insurance amount calculation; s6, setting a single grid threshold interval; s7, constructing a visual
thematic map and different business underwriting decisions based on threshold interval grade division; and S8, according to different service underwriting decisions, realizing insurance
service system-level calculation and management and control. According to the property insurance risk accumulation prediction method provided by the invention, accurate analysis of risk accumulation of property
engineering insurance of a preserved driver in natural disasters is realized, the defect that the accumulated risk is predicted by
administrative division traditionally is effectively solved, the accuracy of the accumulated risk is improved, a basis is provided for underwriting
risk control, and high-quality development of financial insurance business is promoted.