Replace county loss-cost factors with field-level yield truth.
USDA RMA county loss-cost factors average yield outcomes across hundreds of thousands of acres and multiple decades. MPH and named-peril underwriters writing sub-county policies inherit the entire within-county distribution as basis risk. Terraxiq delivers field-polygon yield estimates at 10-meter resolution that map directly into actuarial rating workflows — no GIS analyst required.
County-level data obscures field-level risk.
A single RMA county unit can span 200,000 to 600,000 acres across dramatically different soil series, drainage classes, and farm management practices. When your rating algorithm sees one county yield number, it averages over that entire distribution — producing under-premium on marginal land, over-premium on high-productivity soils, and adverse selection in your enterprise-unit book.
Designed for actuarial workflows.
Terraxiq data integrates directly into policy underwriting, loss estimation, and indemnity adjudication. Not a GIS dashboard. A typed REST API that returns the JSON fields your rating models already consume.
Pre-Season Risk Stratification
Enter planting season with field-level yield potential scores derived from historical NDVI trajectories, soil productivity indices, and soil moisture pre-season. Segment your enterprise-unit portfolio by P10/P50/P90 distribution — identify adverse selection concentrations before premium is set.
Mid-Season Loss Early Warning
Detect NDVI stress anomalies against 8-year historical baselines at field level with 5-day cadence. Get automated anomaly flags on high-exposure policies weeks before yield finalization — enabling targeted adjuster allocation ahead of the harvest claims wave.
Indemnity Adjudication Support
NDVI biomass time-series and growing-degree day accumulation records provide objective, satellite-documented crop development evidence for adjudication. Reduces reliance on adjuster field visits for clear-case determinations where satellite records show unambiguous crop stress or normal development.
How insurers use Terraxiq.
Upload Policy Boundaries
Send your field polygon shapefile or API payload. Terraxiq matches every insured parcel to satellite coverage.
Receive Yield Distributions
Get P10/P50/P90 yield estimates updated every 5 days. JSON output designed for actuarial model ingestion.
Integrate into Rating Engine
Plug Terraxiq field scores into your existing rating or expected loss model — replace or augment county-average proxies.
Monitor Mid-Season
Track NDVI anomaly flags on your highest-exposure policies. Allocate adjuster resources before the claims wave.
One season. One crop reporting district. Measurable lift.
Evaluate Terraxiq on a pilot region — compare field-level P50 yield estimates to RMA county-benchmark outcomes at harvest using our 90-day free trial. One district, one crop, real API access.