The yield and meteorological data of honeysuckle in Pingyi County from 1998 to 2024 were used to construct a honeysuckle precipitation suitability-yield reduction rate model with honeysuckle precipitation suitability as the meteorological index. Based on the goodness of fit test method, the probability and grade of yield reduction rate were determined, and then the pure premium rate of honeysuckle insurance was determined. The results showed that due to the interannual differences in meteorological conditions, the meteorological yield of Pingyi honeysuckle fluctuated greatly from 2001 to 2024, and the annual probability of yield reduction was 41.7 %. The best relationship between precipitation suitability and yield reduction rate of honeysuckle is quadratic polynomial regression model. The smaller the precipitation suitability of honeysuckle, the greater the yield reduction rate of honeysuckle. When the precipitation suitability is 0, the yield reduction rate of honeysuckle is the highest, reaching 68.874%. The pure premium rate of Pingyi honeysuckle insurance was determined to be 4.01% by using the yield reduction rate distribution model method and the classical burning analysis method, which could provide scientific basis for the design of agricultural insurance products.