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<p><strong>Abstract.</strong> Vegetation indices based on satellite images, such as Normalized Difference Vegetation Index (NDVI), have been used in countries like USA, Canada and Spain for damaged pasture and forage insurance for the last years. This type of agricultural insurance is called <q>satellite index-based insurance</q> (SIBI). In SIBI, the occurrence of damage is defined through NDVI thresholds mainly based on statistics derived from normal distributions. In this work a pasture areadoi:10.5194/nhess-2019-34 fatcat:ejagstwq4banjcwozc6lsgtrw4