21-HURRICANE DATA PROVISIONS (HDP)

HURRICANE DATA PROVISIONS (HDP)

2021 AND SUCCEEDING CROP YEARS 

The HDP documents the procedures for determining the counties where a loss is triggered for 

Hurricane Insurance Protection – Wind Index (HIP-WI).

1. Definitions

Basin – An ocean basin, such as the North Atlantic.

Insurance Period – As defined under “Insurance Period” in Section 1 of the HIP-WI 

Endorsement

ISO-Time – Time of the event in universal time coordinates to include ‘YYYY-MM-DD 

HH:mm:ss’

Name – Storm name provided by National Oceanic Atmospheric Administration (NOAA).

Season – The calendar year the hurricane was formed in, as determined by NOAA.

Wind Extents - Hurricane force wind reach extents which indicate how far hurricane force 

winds extend, in nautical miles (M), in each quadrant (Northeast, Northwest, Southeast, 

Southwest), or the calculated values described herein.

2. Data

The data used to determine the trigger counties for HIP-WI is the International Best Track 

Archive for Climate Stewardship (IBTrACS) dataset from the National Climatic Data Center 

within the National Hurricane Center operated by NOAA. The variables used are name, season, 

basin, Saffir-Simpson Hurricane Scale (SSHS), wind extents per bearing quadrant (USA_R64_NE

[NW, SW, SE]), and the unique Storm Identifier (SID). These variables are generally recorded 

every three hours. 

3. Loss Triggers

NOAA generally publishes IBTrACS datasets approximately two weeks following the occurrence 

of a hurricane landfall. Once published, RMA will obtain the IBTrACS dataset and determine the 

trigger counties. If NOAA publishes an updated final IBTrACS dataset prior to the start of the 

following hurricane season, which begins June 1st of the following year, RMA will process the 

updated data to determine if a loss is triggered for any additional counties but will not remove 

any previously triggered counties.

The storm center points used to determine the trigger counties are those where the hurricane 

strength is greater than or equal to a Category 1 (USA_SSHS > = 1) , as well as one tropical 

storm (USA_SSHS = 0) point that directly precedes or follows the last hurricane strength point 

on land. This last point is used to cover the time between the 3-hour interval of the last 
21-HURRICANE DATA PROVISIONS (HDP)

hurricane point. The storm center points are projected in a continental USA Albers Equal-Area 

projection. 

The storm center points are mapped, and the maximum distance of the wind extents is used to 

create a circle around each storm point. These are referred to as hurricane buffers.

Example

Suppose the maximum distance of the hurricane wind extent from the storm center 

point is 35 M for northeast quadrant, 40 M for the southeast quadrant, 45 M for the 

southwest quadrant, and 50 M for the northwest quadrant. In this case the maximum 

distance of the hurricane wind extent from the storm center is 50 M (northwest 

quadrant). The hurricane buffer is then a 50 M radius circle around the storm center 

point.

The storm center and wind extents for the estimated beginning or ending point are 

interpolated between the hurricane point and preceding or following tropical storm point.

When the storm center points and corresponding hurricane buffers are calculated, in the result 

is a series of (often overlapping) circles. Line segments are then drawn between each pair of 

hurricane buffers that are tangent to both hurricane buffers to develop a smoothed area of 

wind extent. The smoothed area of wind extent is determined as either the tangent lines or the 

tangent lines and arcs of the wind buffers, whichever is more distant from the storm center

points. 
21-HURRICANE DATA PROVISIONS (HDP)

The smoothed area of wind extent is then applied to the continental USA Albers Equal-Area 

projection. Any county that intersects the smoothed area of hurricane wind extent is 

determined to be a trigger county. Any counties adjacent to counties that intersect the 

smoothed area of hurricane wind extent (based on the US census counties dataset) are also 

determined to be trigger counties. The trigger counties will be published in the actuarial 

documents. The storm date will be provided from the NOAA data from the ISO-time. Payments 

will be issued in accordance with the HIP-WI endorsement.