农作物保险的最新创新.pdf

1、FARM PRODUCTION AND CONSERVATIONFSA|NRCS|RMA|Business CenterHurricane And Tropical Storm InsuranceFARM PRODUCTION AND CONSERVATIONFSA|NRCS|RMA|Business CenterHurricane and Tropical Storm Direction in 2018 Farm BillHurricane Insurance Protection Wind Index(HIP-WI)offered in 2020 7 hurricanes in 2020I

2、n addition to underlying policy Must be a named stormTropical Storm Option(TS)offered in 2023 6 hurricanes/tropical storms in 2023 and 2024Must have HIP-WI to have TSFARM PRODUCTION AND CONSERVATIONFSA|NRCS|RMA|Business CenterHIP-WI/TS Program Structure HIP-WI is an endorsement to add specific cover

3、age for hurricanes to a MPCI policy Covers the deductible portion of the MPCI policy,up to 95%of crop value Coverage percentage can be elected from 1-100%to reduce premium and indemnity Sustained surface winds of 64 knots(74 mph)or greater according to NOAA HIP-WI payments are 100%of the liabilityFA

4、RM PRODUCTION AND CONSERVATIONFSA|NRCS|RMA|Business CenterTropical Storm Option(TS)Overview Amend county loss trigger to include coverage for tropical storms 50%of liability(Hurricane Protection Amount)will be paid for each tropical storm(not to exceed 100%liability)Tropical storm loss trigger is tw

5、o parts Sustained wind speed 34 knots and greater,AND Total Rainfall 6 inches or more in a four-day period(1 prior to tropical storm,day of,and two days after).Changed to 5.9 inches for 2025.Implemented as option to the HIP-WI Endorsement Required expansion of current HIP-WI offering to accommodate

6、larger tropical storm area FARM PRODUCTION AND CONSERVATIONFSA|NRCS|RMA|Business CenterBasics of the Program All wind and precipitation data based off National Oceanic and Atmospheric Administration(NOAA)data.This is outlined in the policy and in educational materials.Hurricane Data Provisions(HDP)d