Fig. 3. Heidke Skill Score (HSS, red), Probability of Detection (POD, green), and False Alarm Rate (FAR, blue) as a function of the thresholds for (a + b) Zmax and (c + d) ΔH evaluated using (a + c) insured building damage data for loss frequency N0.1% (2005–2011) and (b + d) VH agricultural damage data (2005–2009).