Historischer Wetter Index
Historische Auszahlung

Values fixed for every quote. Shown here so they are visible without reading the code; changing one means changing the code.

Index
DatensatzHYRAS-DE v6-1, DWD
1 km grid, EPSG:3035, published by DWD.
Kritischer Wert70%
Share of the daily climatological mean below which a day starts accruing a deficit (Trockenheit only).
Archiv1930–2025
Complete years in the HYRAS archive. Discovered from the files, so a new year appears once its file is added and runs to 31 December — nothing is hard-coded.
Jahre von / bis (Standard)1990–2025
Default reference period for a new quote; editable per quote in the Angebot sidebar.
Preisbildung
Risikozuschlag1,65× – 3,00×
1.65× at a rate on line of 5% or more, rising to 3.0× at 1% or less.
Provision1,12×
PrämieRate × Versicherungssumme
Matches the legacy tool's own worked example (Strike 70, Exit 82, VS 10.000 EUR → Prämie 1.050,56 EUR at a 10,5 % rate).
Auszahlunglinear, Strike → Exit
Nothing at or below Strike, the full sum insured at or above Exit.