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The paper presents a general forest insurance model that can serve as a basis to calculate risk premiums to insure the risk of forest destruction due to single or cumulative damaging agents. The methodology and the theoretical approach include the derivation of empirical probability functions for the occurrence of forest destruction for age classes and the modelling of these probabilities with a Weibull function to obtain point estimates of probabilities. Based on that, the interval estimates of destruction probabilities were calculated using a nonparametric Kolmogorov–Smirnov statistic. The risk insurance model consists of two essential parts: the risk of the forest owner informing about the expected loss induced by a forest destruction occurrence, expressed as the “net insurance premium,” and the risk of an insurer, defined as “risk premium”, that is related to the total insured area of forest. The sum of both is the “gross …