Before your agent prices or settles a parametric-insurance trigger, or screens weather risk for agriculture and construction: climate-event indices for any GPS point or city over a date range — frost and summer days, tropical nights, dry spells, heavy-rain days, max one-day rainfall, total precipitation and peak gust — ETCCDI/Climdex definitions on true daily Tmin/Tmax from the Copernicus ERA5 reanalysis (precipitation-based indices: rolling 30-year window; Tmin/Tmax- and gust-based indices: rolling ~5-year window).

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