By summarizing the flood disasters and the current situation of dikes in Jiangxi province in recent years,this paper expounds the necessity of carrying out dike insurance in Jiangxi province.This paper explores the embankment insurance scheme of Jiangxi province from the aspects of basic principles,insurance cycle,insurance scope,insured objects,types of insurance,insurance liability,premium subsidy,insurance amount,insurance premium rate,insurance mode,claim settlement mode and process,claim settlement limit,and puts forward countermeasures and suggestions to further improve the embankment insurance work,so as to provide important theoretical basis and decision support for the development of embankment insurance work in other regions.