Nowadays, extreme weather events bring a great crisis to property owners and insurance companies, in response to this problem, this paper selects five indicator systems for analysis, namely economic indicators, extreme weather indicators, owner behavior indicators, real estate indicators, and historical landmark indicators, further deals with outliers, missing values, and normalizes the data. It predicts the future trend of changes based on specific numerical situations by building insurance models and protection models in order to take better measures to protect local properties.