Hurricane Insurance Protection - Wind Index (HIP-WI)
Hurricane Insurance Protection – Wind Index (HIP-WI) covers a portion of the deductible of the underlying crop insurance policy when a county, or county adjacent, is within the area of sustained hurricane-force winds. The coverage provided by HIP-WI can be combined with the Supplemental Coverage Option (SCO) and the Stacked Income Protection Plan (STAX) when acreage is also insured by a companion policy. The Tropical Storm Option (TS) is an option to the HIP-WI endorsement that provides coverage for tropical storm weather events as defined by the Hurricane Data Provisions (HDP).
HIP-WI provides coverage for 70 different crops and is available in counties in the vicinity of the Gulf of Mexico and the Atlantic, as well as Hawaii. The deadline to purchase HIP-WI coverage for the 2021 crop year and beyond will be the same as for the underlying policy.
An administrative fee and premium for the crop covered by each HIP-WI Endorsement will be due in addition to any administrative fee and/or premium for the underlying policy. However, the HIP-WI administrative fee may be waived if the producer qualifies as a limited resource farmer, a Beginning Farmer Rancher (BFR) or a Veteran Farmer Rancher (VFR).
Sustained hurricane winds are the only cause of loss for HIP-WI and will be determined from NOAA hurricane wind extents data (refer to the Hurricane Data Provisions documents). If TS is elected, the county loss trigger will be amended to include coverage for a tropical storm weather event. This weather event must have sustained surface wind speeds of 34 knots (39 mph) and at least 6 inches of total precipitation received over four consecutive days (one day preceding the arrival of the tropical storm, the day of the tropical storm, and two days following the arrival of the tropical storm), according to NOAA and as determined by RMA in accordance with the HDP and identified on the actuarial documents.
- Fact Sheet
- Frequently Asked Questions
- 2023 Hurricane Insurance Protection - Wind Index Handbook (February 2023)
- 2023 Hurricane Insurance Protection - Wind Index Handbook (June 2022)
- 2022 Hurricane Insurance Protection - Wind Index Handbook
- 2021 Hurricane Insurance Protection - Wind Index Handbook
- 2020 Hurricane Insurance Protection - Wind Index Handbook
- News Release
- Hurricane Insurance Protection Wind - Index Endorsement 23.1-HIP-WI
- Hurricane Insurance Protection Wind - Index Endorsement 23-HIP-WI
- Hurricane Data Provisions (Revised February 22, 2023)
- Hurricane Data Provisions (June 27, 2022)
- Hurricane Insurance Protection Wind - Index Endorsement 22-HIP-WI
- Hurricane Data Provisions (Revised June 30, 2021)
- Hurricane Insurance Protection Wind - Index Endorsement 21-HIP-WI
- Hurricane Data Provisions (Revised September 30, 2020)
- Hurricane Data Provisions (August 28, 2020)
- Hurricane Documents
Lists the dates/named storms for each state and county used for RY2023 expansions and establishment of the Tropical Storm Option
- Historical HIP-WI County Trigger Data (Excel file)
- Historical Tropical Storm County Trigger Data (Excel file)
Sample code to determine triggered counties