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Open AccessArticle

An Innovative Damage Model for Crop Insurance, Combining Two Hazards into a Single Climatic Index

1
Agrocampus Ouest, Economie et Gestion, SMART-LERECO, 35000 Rennes, France
2
Caisse Centrale de Réassurance (CCR) Dpt R&D Modeling Cat & Agriculture, 75008 Paris, France
*
Author to whom correspondence should be addressed.
Climate 2019, 7(11), 125; https://doi.org/10.3390/cli7110125
Received: 19 September 2019 / Revised: 21 October 2019 / Accepted: 24 October 2019 / Published: 26 October 2019
Extreme weather events have strong impacts on agriculture and crop insurance. In France, drought (2003, 2011, 2017, and 2018) and excess of water (2016) are considered the most significant events in terms of economic losses. The crop (re)insurance industry must estimate its financial exposure to climatic events in terms of the average annual losses and potential extreme damages. Therefore, the objective of this paper was to develop a model that links meteorological indices to crop yield losses with a specific focus on extreme climatic events. We designed a meteorological index (DOWKI: Drought and Overwhelmed Water Key Indicator) based on a water balance cumulative anomaly that can explain drought and excess of water at the department scale. We propose a crop damage model calibrated by combining historical yield records and the DOWKI values. To estimate the financial exposure of insured crops at a national level, stochastic simulations of the DOWKI were performed to produce one thousand years of yield losses. Our objective was to estimate the effect of climatic extremes affecting the global production. Simulated average annual losses and the possible maximum claim for three crops (soft winter wheat, winter barley, and sunflower) are presented in the results. View Full-Text
Keywords: extreme events; climate change; modeling; agriculture; crop insurance extreme events; climate change; modeling; agriculture; crop insurance
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Kapsambelis, D.; Moncoulon, D.; Cordier, J. An Innovative Damage Model for Crop Insurance, Combining Two Hazards into a Single Climatic Index. Climate 2019, 7, 125.

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