Optimal rainfall weightings in farmers’ graphs (A and B) and DSSAT averaged insurance index (C). (Source: own data, [<b>13</b>]).

<p>Optimal rainfall weightings in farmers’ graphs (A and B) and DSSAT averaged insurance index (C). (Source: own data, <a href="http://www.plosone.org/article/info:doi/10.1371/journal.pone.0051412#pone.0051412-ElNuevo1" target="_blank">[<b>13</b>]</a>).</p

Precipitation January-October 2010 at weather station San Isidro (458 m). (Source: WorldClim database and

<p> <a href="http://www.plosone.org/article/info:doi/10.1371/journal.pone.0051412#pone.0051412-Kitchin1" target="_blank">[<b>51</b>]</a><b>).</b></p

Climate and bean cultivation characteristics at 18 interview sites.

<p>(Source: WorldClim database, SRTM90 elevation data, own data).</p

Risk management tools.

<p>(Source: Wenner and Arias, 2003; Skees <i>et al.</i>, 2001; Hess, 2003).</p

Weightings of ten-day precipitation in the DSSAT averaged insurance index for drybean.

<p>(Source: adapted from <a href="http://www.plosone.org/article/info:doi/10.1371/journal.pone.0051412#pone.0051412-DazNieto2" target="_blank">[17]</a>).</p

Mean annual precipitation in the municipalities of Matagalpa, San Isidro, and San Dionisio. (Source: WorldClim database, prepared with DIVA-GIS).

<p>Mean annual precipitation in the municipalities of Matagalpa, San Isidro, and San Dionisio. (Source: WorldClim database, prepared with DIVA-GIS).</p

Behavioristic stimulus-response-model with perception component. (Source: adapted from [<b>36</b>]).

<p>Behavioristic stimulus-response-model with perception component. (Source: adapted from <a href="http://www.plosone.org/article/info:doi/10.1371/journal.pone.0051412#pone.0051412-Carter1" target="_blank">[<b>36</b>]</a>).</p

Two letter codes of each pixel used to identify the generated weather data.

<p>Two letter codes of each pixel used to identify the generated weather data.</p

Probability of accumulated rainfall deficits of 50 and 70 mm during the growth of dry beans during the first growing season in north central Nicaragua.

<p>Probability of accumulated rainfall deficits of 50 and 70 mm during the growth of dry beans during the first growing season in north central Nicaragua.</p

Example of season resulting in an indemnity payment (total rainfall deficit exceeds the trigger value of –70mm).

<p>Example of season resulting in an indemnity payment (total rainfall deficit exceeds the trigger value of –70mm).</p