Straight-Line Wind (SLW) Vulnerability Model

Per-building wind damage probability computed using Hazus Hurricane Technical Manual v7 lognormal fragility curves for four construction classes.

Algorithm

  1. Peak gust observations from IEM ASOS (hourly METARs) and SPC Local Storm Reports (LSR) are merged into a point observation set.
  2. IDW interpolation (power p=2, global — all observations used) assigns peak_gust_mph to each building centroid.
  3. Hazus lognormal fragility: P(DS ≥ ds | v) = Φ[(ln v − λds) / ζ] for each damage state (Slight → Complete).
  4. Mean Damage Ratio = Σ P(dsi) × CDFactori where CDFactors: Slight=0.02, Moderate=0.10, Extensive=0.50, Complete=1.00.
  5. ground_up_loss = MDR × RCV (footprint_sqft × $150/sqft — full structure, wind is whole-structure peril).

Fragility Parameters (W1 — Light Wood Frame)

Slight (2%)75 mph median • ζ = 0.35
Moderate (10%)95 mph median • ζ = 0.35
Extensive (50%)115 mph median • ζ = 0.35
Complete (100%)145 mph median • ζ = 0.35

Calibration

EventAug 10, 2020 Iowa Derecho
NCEI benchmark~$11B insured (all claims)
Observations295 (175 ASOS + 120 LSR)
Max observed gust130 mph (LSR)

Event Type Multipliers

Derecho1.0× (this event)
Ordinary thunderstorm0.90×
Tropical1.05×

References

Hazus Hurricane Technical Manual v7. FEMA/NIBS. Lognormal fragility curves for light wood frame residential construction.
IEM Mesonet. ASOS peak gust archive via Iowa Environmental Mesonet API.
SPC Storm Data. Local Storm Reports (LSR) wind entries ≥ 58 mph.
Buildings colored by wind damage ratio (MDR) — Hazus W1/W2/MH/MLRM fragility • 295 observations • Click a building for full model output
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