# Wind Insurance

> Wind Insurance prices, pools, transfers, or socializes risks attached to property and place

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:tax-insurance-climate:wind-insurance` |
| Family | Tax, Insurance & Climate Risk |
| Domain | Economics |
| Era | Institutional Age → Collective Age |
| Kind | concept |
| Archetype | The Tension |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Wind Insurance is a concept in the Tax, Insurance & Climate Risk family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Wind Insurance prices, pools, transfers, or socializes risks attached to property and place.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Wind Insurance prices, pools, transfers, or socializes risks attached to property and place
- **Gift:** Clarity about wind insurance makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When wind insurance is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when wind insurance is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where wind insurance appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Wind Insurance reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Wind Insurance changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Wind Insurance changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Wind Insurance can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Tension enters the reading through Wind Insurance. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Wind Insurance becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 4.

## Relationships

- **Regulation X is governed by Wind Insurance.** Regulation X is governed by Wind Insurance through a change in rights, information, cash flow, priority, timing, or physical use.
- **Flood Insurance — NFIP documents Wind Insurance.** Flood Insurance — NFIP documents Wind Insurance through a change in rights, information, cash flow, priority, timing, or physical use.
- **Wind Insurance transfers into Earthquake Insurance.** Wind Insurance transfers into Earthquake Insurance through a change in rights, information, cash flow, priority, timing, or physical use.
- **Wind Insurance externalizes to Limited Partner.** Wind Insurance externalizes to Limited Partner through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Wind Insurance through the lineage of Tax, Insurance & Climate Risk: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Wind Insurance: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [National Flood Insurance Program Flood Insurance Manual](https://www.fema.gov/sites/default/files/documents/fema_nfip_flood-insurance-manual_042024.pdf) — Federal Emergency Management Agency; flood insurance and insurable interests.
- [Risk-Based Brownfields Cleanups](https://www.epa.gov/brownfields/risk-based-brownfields-cleanups) — U.S. Environmental Protection Agency; contamination, remediation, reuse, institutional controls.
- [Commercial Building Performance Monitoring and Evaluation](https://www.energy.gov/cmei/buildings/commercial-building-performance-monitoring-and-evaluation) — U.S. Department of Energy; building performance metrics and evaluation.
