HOW GM1
OperatingSolar power plant
- Primary fuel
- Solar
- County
- Barnstable County
- Operator
- HOW GM LLC
- Status
- Operating
- Commissioned
- 2014
- EIA plant ID
- 58097
- Coordinates
- 41.6709, -70.5331
HOW GM1, a Solar power plant in Barnstable County, Massachusetts. Operated by HOW GM LLC, commissioned 2014.
Weather peril exposure
HOW GM1 is a solar power plant in Barnstable County, MA, operated by HOW GM LLC, commissioned in 2014. Barnstable County carries moderate modeled catastrophe exposure in the FEMA National Risk Index, scoring 2.5 of 5 at the 37th national percentile. Hurricane is the leading peril, rated Relatively High by FEMA at the 86th percentile.
Barnstable County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Share of modeled loss | Events per year |
|---|---|---|---|---|---|
| Hurricane | Relatively High | 86th | 4.4 of 5 | 47% | 0.15 |
| Coastal flooding | Very High | 85th | 4.4 of 5 | 20% | 4.8 |
| Lightning | Relatively High | 73rd | 3.9 of 5 | 1% | 15.1 |
| Earthquake | Relatively Low | 41st | 2.7 of 5 | <1% | <0.01 |
| Hail | Relatively Low | 27th | 2.1 of 5 | 25% | 0.55 |
| Riverine flooding | Relatively Moderate | 24th | 2.0 of 5 | 5% | 1.1 |
| Ice storm | Relatively Low | 22nd | 1.9 of 5 | <1% | 0.15 |
| Strong wind | Relatively Moderate | 18th | 1.7 of 5 | 1% | 0.29 |
| Wildfire | Very Low | 17th | 1.7 of 5 | <1% | <0.01 |
| Winter weather | Relatively Low | 13th | 1.5 of 5 | <1% | 9.8 |
| Tornado | Relatively Low | 10th | 1.4 of 5 | <1% | 0.09 |
| Heat wave | Relatively Low | 3rd | 1.1 of 5 | <1% | 1.1 |
Hail exposure and deductible structure
Hail scores 2.1 of 5, which sits in the 1% to 2% percentage deductible range carriers are quoting for that exposure. Named windstorm and severe convective wind score 4.4 of 5, indicating a 2% to 5% wind deductible. Ranges, not single figures. The final structure is set by the carrier.
Percentage hail deductible range: 1% to 2% of insured value. Wind deductible range: 2% to 5%. These are the structures commonly seen at this exposure, not an offer and not a rate.
Model hail, wind and flood exposure for Barnstable County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level. The solar vulnerability layer that turns FEMA building loss into modeled solar loss was derived by Bywatts and revised on physical reasoning. It has not been reviewed by a practising underwriter.