State of Florida hurricane loss projection model: Atmospheric science component

The State of Florida has developed an open, public model for the purpose of probabilistic assessment of risk to insured residential property associated with wind damage from hurricanes. The model comprises atmospheric science, engineering, and financial/actuarial components and is planned for submission to the Florida Commission on Hurricane Loss Projection Methodology. The atmospheric component includes modeling the track and intensity life cycle of each simulated hurricane within the Florida threat area. When a model storm approaches within a damage threshold distance of a Florida zip code location, the wind field is computed by a slab model of the hurricane boundary layer coupled with a surface layer model based on the results of recent GPS sonde research. A time series of open terrain surface winds is then computed for each zip code in the threatened area. Depending on wind direction, an effective roughness length is assigned to each zip code based on the upstream fetch roughness as determined from remotely sensed land cover/land use products. Based on historical hurricane statistics, thousands of storms are simulated allowing determination of the wind risk for all residential zip code locations in Florida. The wind risk information is then provided to the engineering and loss models to assess damage and average annual loss, respectively.