High Wind

Protect your agricultural operations from high wind damage.

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Customized parametric insurance solutions offering financial resilience against high wind events and gusts,* ensuring your agricultural business stays profitable and operational.

High winds pose significant threats to agricultural businesses, damaging crops and infrastructure. Arbol’s high wind parametric coverage provides tailored financial protection based on precise, trusted wind gust data.

Used by 5,000+ Agency Partners

Backed by ERA5, PRISM, + CPC Datasets

When high winds strike, agricultural profits hang in the balance.

Agricultural operations, including crop farms and orchards, face serious financial risks from damaging winds.

Traditional insurance often inadequately addresses specific wind-related agricultural losses.

Arbol’s parametric insurance provides targeted, swift financial support triggered by accurate wind speed data, minimizing business disruptions.

How Parametric Coverage Works

Choose Trigger

Set wind speed trigger threshold, customized for your operational risks

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Define Location + Risk Period

Select county, grid, or field and critical growing or harvesting season

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Coverage Initiated

Arbol monitors ERA5 wind gust data

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Payouts Automated

If the threshold is met, payout is calculated and delivered—automatically

Payout Amount
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Probability
Wind
Historical Payout
Coverage is available as insurance or derivatives based on jurisdiction and client eligibility.

High Wind Coverage
Use Cases

WA Hops Producer
Risk

High Wind Gust

Trigger

>45 mph gust

Structure

Insurance

Use Case

Protects against trellis collapse and hops lodging losses

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FL Citrus Orchard
Risk

High Wind Gust

Trigger

>50 mph gust

Structure

Derivative

Use Case

Financial protection against wind damage impacting fruit yield

IA Corn Grower
Risk

High Wind Gust

Trigger

>60 mph gust

Structure

Insurance

Use Case

Coverage against losses from wind-induced lodging

Client
Risk
Trigger
Structure
Use Case
WA Hops Producer

High Wind Gust

>45 mph gust

Insurance

Protects against trellis collapse and hops lodging losses

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FL Citrus Orchard

High Wind Gust

>50 mph gust

Derivative

Financial protection against wind damage impacting fruit yield

IA Corn Grower

High Wind Gust

>60 mph gust

Insurance

Coverage against losses from wind-induced lodging

High wind products may be structured as insurance or derivatives depending on jurisdiction, licensing, and client-specific requirements.

Download High Wind Factsheet

Enter your email to download our High Wind Factsheet.

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Why Clients + Agents Use Arbol

Independent Data

Accurate, third-party wind data (ERA5 datasets)

Custom Triggers

Customizable triggers tailored specifically for agriculture

Legally Compliant

User-friendly quoting and compliance tools for brokers

Flexibility

Flexible structures available as insurance or derivatives

FAQ

Explore common questions about high wind coverage.

How are wind speeds tracked and validated?

Arbol uses the ERA5 dataset, an industry-leading and trusted source of hourly wind gust data. Wind speeds are continuously tracked and validated, ensuring accurate, objective triggers and timely payouts.

Can high wind coverage be combined with other weather perils?

Yes. Arbol’s flexible parametric products allow agricultural businesses to combine high wind coverage with other weather perils, such as temperature extremes, rainfall, or soil moisture, creating comprehensive and customized protection against multiple risks.

Do agents require special licenses to offer wind-based products?

Yes, licensing requirements depend on the structure of the product. Insurance products require agents or brokers to hold appropriate insurance licenses, while derivative products necessitate financial market licenses. Arbol provides clear guidance based on jurisdiction and product specifics.

What’s the difference between insurance vs. derivative wind products?

Insurance: Regulated by insurance laws and sold by licensed insurance agents or brokers, ideal for straightforward financial protection from wind-related agricultural losses.

Derivatives:
Financial instruments linked directly to wind triggers, regulated under financial market regulations, suitable for advanced risk management strategies by sophisticated clients or brokers.

Is this coverage suitable for agricultural operations not covered by federal programs?

Absolutely. Arbol’s high wind coverage provides essential protection for agricultural operations often underserved by federal insurance programs, including specialty crop farms, orchards, hops producers, and other wind-sensitive agricultural activities.

 Can I customize wind speed thresholds and policy durations?

Yes. Arbol’s parametric coverage is highly customizable, allowing agricultural businesses to set specific wind speed thresholds and coverage durations aligned precisely with their operational and financial risk profiles.

Start a high wind risk assessment with Arbol today.

Arbol works through licensed agents and brokers. Product availability depends on jurisdiction, eligibility, and specific agricultural operations.

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