The same premium rate is apt to cause the moral hazard and adverse selection problem, therefore, risk zonation for different areas becomes an important measurement to solve this kind of problem. Collecting agricultural data from all municipalities of Anhui since 2000, based on actual loss, this paper selects five index including the coefficient of variation per unit yield, probability of 10% and 20% damage, average damage rate and the rate of total crop failure, cluster by the system clustering method and analyzes the results so as to make contributions to agricultural insurance research and application.