{"id":87722,"date":"2026-08-14T08:24:29","date_gmt":"2026-08-14T07:24:29","guid":{"rendered":"https:\/\/www.lse.ac.uk\/granthaminstitute\/?post_type=case-study&#038;p=87722"},"modified":"2026-08-14T08:24:29","modified_gmt":"2026-08-14T07:24:29","slug":"coral-reef-insurance-policy-hawaii","status":"publish","type":"case-study","link":"https:\/\/www.lse.ac.uk\/granthaminstitute\/case-studies\/coral-reef-insurance-policy-hawaii\/","title":{"rendered":"Coral Reef Insurance Policy &#8211; Hawaii"},"featured_media":0,"template":"","spatial-scale":[5305,5322],"insurance-trigger-type":[5328],"insured-risk":[5325,5306],"insurance-scheme-target":[5326],"insurance-scheme-developer":[5308],"insurance-product-type":[5330],"location":[5336],"realm":[5304],"class_list":["post-87722","case-study","type-case-study","status-publish","hentry","spatial-scale-local","spatial-scale-sub-national","insurance-trigger-type-parametric-index","insured-risk-and-economic-activity","insured-risk-risk-to-natural-assets-and-ecosystems","insurance-scheme-target-local-communities","insurance-scheme-developer-private","insurance-product-type-insurance-of-natural-assets","location-north-america","realm-marine"],"acf":{"world_map_coordinates":{"ref_value":"field_6a4e7380d1e2f","value":"39.954364082122346, -100.16079106041538","type":false,"post_type":""},"world_map_position_pc":{"ref_value":"field_6a4e73812c3d4","value":"37.752881403654,22.177558038774","type":false,"post_type":""},"world_map_position_px":{"ref_value":"field_6a4e73823d4e5","value":"120.43169167766,138.38796216195","type":false,"post_type":""},"ireland_county":{"ref_value":"field_6a4e73834e5f6","value":"","type":false,"post_type":""},"area":{"ref_value":"field_6a4e73845f6a7","value":"United States","type":false,"post_type":""},"description":{"ref_value":"field_6a1ca0010002","value":"Hawai'i's new policy covers all reefs across the main Hawaiian islands, covering an area of 314,976 square miles. It covers both hurricanes and tropical storms given the latter\u2019s frequency in Hawai\u2019i. The maximum payout total is $2 million over the year-long policy period, and $1 million per storm, underwritten and provided by Munich Re. The minimum payout has doubled to $200,000, an amount that enables a more meaningful post-storm response. The policy is triggered when tropical storm winds of 50 knots or greater occur in the core of the coverage area. In the event of a storm, the predetermined disbursed amount is distributed with advice from TNC as well as the Division of Aquatic Resources to enable quick damage assessment and repair.","type":false,"post_type":""},"case_study_date":{"ref_value":"field_6a1ca0010003","value":"2024-ongoing","type":false,"post_type":""},"partner_names":{"ref_value":"field_6a1ca0010005","value":"The Nature Conservancy, WTW, Munich Re Group","type":false,"post_type":""},"referrer_org_name":{"ref_value":"field_6a1ca0010006","value":"UNEP FI","type":false,"post_type":""},"sources":{"ref_value":"field_6a1ca0010007","value":[{"source":{"title":"The Nature Conservancy Announces First-Ever Coral Reef Insurance Policy in the U.S.","url":"https:\/\/www.nature.org\/en-us\/newsroom\/first-ever-us-coral-reef-insurance-policy\/","target":""}},{"source":{"title":"Hawai\u2018i\u2019s Coral Reef Insurance Policy Renewed for 2025, Fostering Hawai\u02bbi Emergency Reef Restoration Network","url":"https:\/\/www.nature.org\/en-us\/newsroom\/hi-reef-insurance\/","target":""}}],"type":"repeater","post_type":""},"status":{"ref_value":"field_6a1ca001000a","value":"active","type":false,"post_type":""}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Coral Reef Insurance Policy - Hawaii - Grantham Research Institute on climate change and the environment<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lse.ac.uk\/granthaminstitute\/case-studies\/coral-reef-insurance-policy-hawaii\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Coral Reef Insurance Policy - Hawaii - Grantham Research Institute on climate change and the environment\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lse.ac.uk\/granthaminstitute\/case-studies\/coral-reef-insurance-policy-hawaii\/\" \/>\n<meta property=\"og:site_name\" content=\"Grantham Research Institute on climate change and the environment\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/case-studies\\\/coral-reef-insurance-policy-hawaii\\\/\",\"url\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/case-studies\\\/coral-reef-insurance-policy-hawaii\\\/\",\"name\":\"Coral Reef Insurance Policy - Hawaii - Grantham Research Institute on climate change and the environment\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/#website\"},\"datePublished\":\"2026-08-14T07:24:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/case-studies\\\/coral-reef-insurance-policy-hawaii\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/case-studies\\\/coral-reef-insurance-policy-hawaii\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/case-studies\\\/coral-reef-insurance-policy-hawaii\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Case Studies\",\"item\":\"https:\\\/\\\/www.lse.ac.uk\\\/granthaminstitute\\\/naturance-case-studies\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Coral Reef Insurance Policy &#8211; 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