Pull historical gridded weather data from the dClimate REST API to evaluate a parametric weather insurance payout trigger

Steps

1. Identify the relevant dataset for the insured peril (e.g., temperature, rainfall, wind) from the public dClimate data catalogue.
2. Call `apiv4/grid-history/<dataset_name>/<latitude>_<longitude>` to retrieve a historical time series of gridded values for the location tied to the insured risk.
3. For area-based rather than single-point triggers, use `apiv4/geo_temporal_query/<dataset_name>` with `output_format` set to `array` or `netcdf` to pull data across a region.
4. Compare the retrieved observed values against the policy's pre-agreed trigger threshold (e.g., rainfall below a set amount over a set period) to determine whether a parametric payout condition has been met.
5. Since the data-consumer REST API tier is free, budget separately for any paid, higher-assurance datasets or forecast products in the dClimate marketplace if the program needs them.