Satellite-based assessment of hailstorm-affected potato crop for insurance purpose

Assessing the extent of hailstorm-affected crop is one of the thrust areas for quantifying mid-season adversities under crop insurance values chain. This study evaluated the pre- and post-hailstorm responses of potato crop, over different spectral bands and vegetation indices derived from Sentinel-2 data, towards assessment of damage severity classes. The potato crop was mapped using pre-event satellite data with overall accuracy of 88% (k = 0.82). Pair-wise Games–Howell t-test showed significant differences among the post-hailstorm potato severity classes in red, near infrared and short-wave infrared (SWIR) bands and normalized vegetation indices. Percentage change (from pre- to post-event) in band reflectance and vegetation indices showed a better sensitivity in differentiating damage severities. Differential behaviour of SWIR-1 (Band-11) and SWIR-2 (Band-12) was observed within severely affected potato crop under dry and wet soil conditions. Decision matrix based on percentage change in normalized difference vegetation index (ΔNDVI) and normalized difference tillage index (ΔNDVI) could able to capture the damage severity classes with an overall accuracy of 86.7%. Higher proportion of affected area was found to be associated with larger percentage of potato yield reduction based on measured yield data at insurance unit level. The proposed methodological approach could be adopted for operational assessment of the impact of hailstorm events on other crops with required modifications.