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Premium rate should be applied the insurance objects are classified reasonably, depending on the degree of exposure to disaster risk. But the existing premium rate is applied same basic rate each cities and districts withoutthe degree of exposure to disaster risk. In this study, we analyzed the exposure to flood risk using channel bufferingand suggested way to classify the premium rate by reflecting the analysis results in order to improve its. It is determined that this study would contribute to calculate the storm and flood insurance basic rate reflected risk andmake and analysis of flood risk of the local river that conditions of inundation simulation is insufficient. Key Words : Channel Buffering, Flood Risk Premium Rate, Storm and Flood Insurance     ‘        ’[NEMA--2013-62]  . * Corresponding Author : Gyu-Seong Sim(Dongbu Engineering)Tel: +82-2-2122-6932 email: kssim@dbeng.co.krReceived March 5, 2015Accepted April 9, 2015Revised (1st March 20, 2015, 2nd April 7, 2015) Published April 30, 2015

A Study on Way to Classify Premium Rate Considering Flood Risk