Global Flood Risk Models

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based on best practice actuarial techniques and medical science</p> </span> <span> <a href="https://www.miuinsights.com/" target="_blank">Miu Portal <span></span> </a> <p class="small-text">Explore analytics and risk insights for the alternative capital market</p> </span> </div> </div> </div> <div class="button-box"> <a href="/about/contact-us" class="btn-red"> <span>Contact Us</span> </a> </div> </nav> </div> </div> </div> <div class="bottom-nav"> <div class="container"> <div class="wrapper"> <p>Insurance Solutions</p> <p>Formerly Moody’s RMS</p> </div> </div> </div> </header> </div> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <div> <div id="block-rms-content"> <article role="article" about="/models/flood" typeof="schema:WebPage"> <span property="schema:name" content="Flood" class="hidden"></span> <div> <section class="banner-with-carousel adjust-banner wow fadeIn " data-wow-delay="0.4s" > <div class="bg-img wow fadeIn" data-wow-delay="0.5s"> <img src="/sites/default/files/content/paragraph/banner-with-video-card/2024-05/SeasonOfFlood.jpeg" width="1440" height="600" alt="Moody's global flood solutions suite" loading="lazy" typeof="foaf:Image" /> </div> <div class="row-wrapper"> <div class="container"> <div class="col-two inner-content"> <h1>Moody's global flood solutions suite</h1> <h5> The Moody's suite of global flood solutions offers unmatched coverage of high-resolution flood risk analytics and a unified approach to managing all global flood risk, with roughly 80 percent of global property gross written premiums modeled and 100 percent mapped. </h5> </div> <div class="col-two right-block "> <div class="slider-outer-block"> <div class="items news-video"> <div class="row-wrap"> <div class="col-box media-block"> <a href="https://www.moodys.com/web/en/us/insights/resources/an-integrated-approach-to-evaluate-population-exposure-to-inland-and-coastal-flooding.pdf" > <img src="/sites/default/files/content/paragraph/banner-with-cars-items/2024-10/Integrated-approach-209x196.jpg" width="209" height="196" alt="flooded town" loading="lazy" typeof="foaf:Image" /> </a> </div> <div class="col-box content-block"> <a href="https://www.moodys.com/web/en/us/insights/resources/an-integrated-approach-to-evaluate-population-exposure-to-inland-and-coastal-flooding.pdf">An integrated approach to evaluate population exposure to inland and coastal flooding</a> <h4>An integrated approach to evaluate population exposure to inland and coastal flooding</h4> <p>This study endeavors to provide a comprehensive retrospective analysis of the global population’s risk to flooding, how it has changed over time, how it changes regionally and how it is expected to change in the future.</p> <div class="button-block"> <a href="https://www.moodys.com/web/en/us/insights/resources/an-integrated-approach-to-evaluate-population-exposure-to-inland-and-coastal-flooding.pdf" class="learn-more">Learn more</a> </div> </div> </div> </div> <div class="items news-video"> <div class="row-wrap"> <div class="col-box media-block"> <a href="/offer/five-ways-moodys-rms-high-definition-modeling-helps-you-understand-flood-risk" > <img src="/sites/default/files/content/paragraph/banner-with-cars-items/2023-08/fiveWays-209x196.jpg" width="209" height="196" alt="flood town" loading="lazy" typeof="foaf:Image" /> </a> </div> <div class="col-box content-block"> <a href="/offer/five-ways-moodys-rms-high-definition-modeling-helps-you-understand-flood-risk">Five ways Moody’s RMS High-Definition modeling helps you understand flood risk</a> <h4>Five ways Moody’s RMS High-Definition modeling helps you understand flood risk</h4> <p></p> <div class="button-block"> <a href="/offer/five-ways-moodys-rms-high-definition-modeling-helps-you-understand-flood-risk" class="learn-more">Learn more</a> </div> </div> </div> </div> <div class="items news-video"> <div class="row-wrap"> <div class="col-box media-block"> <a href="/offer/global-flood-solutions-suite" > <img src="/sites/default/files/content/paragraph/banner-with-cars-items/2021-10/global-solution.jpg" width="209" height="196" alt="town near shore" loading="lazy" typeof="foaf:Image" /> </a> </div> <div class="col-box content-block"> <a href="/offer/global-flood-solutions-suite">Global flood solutions suite eBook</a> <h4>Global flood solutions suite eBook</h4> <p>Read our interactive eBook to learn more about available data, tools, and analytics to help build a more profitable portfolio. </p> <div class="button-block"> <a href="/offer/global-flood-solutions-suite" class="learn-more">Learn more</a> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="col-four-with-slider four-slides" > <div class="overview-block wow zoomIn" data-wow-delay="0.5s"> <div class="container"> <h2></h2> <div class="button-box"> </div> </div> </div> <div class="content-outer"> <div class="container"> <div class="slider-block wow fadeIn" data-wow-delay="0.5s"> <div class="slide-outer"> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/models/flood/us-inland-flood">North America flood</a></h3> <p> The Moody's RMS® U.S. Inland Flood HD Model offers a comprehensive and well-validated view of flood risk throughout the contiguous U.S., helping (re)insurers gain necessary insights into the range of commercial opportunities associated with the private flood market. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-four-with-slider/2023-06/us-flood-408.jpg" width="408" height="340" alt="North America Flood" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>North America flood</h3> <a href="/models/flood/us-inland-flood" class="learn-more">Learn more</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/models/flood/europe-inland-flood">Europe flood</a></h3> <p> The Moody's RMS Europe Inland Flood HD Models offer a comprehensive and customizable view of risk covering 14 European countries. Starting with precipitation, continuously simulated over a period of 50,000 years, the models explicitly account for spatial and temporal correlations across the whole Pan-European domain, which can be licensed as a bundle or for individual countries. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-four-with-slider/2023-06/europe-flood-408.jpg" width="408" height="340" alt="Europe Flood" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Europe flood</h3> <a href="/models/flood/europe-inland-flood" class="learn-more">Learn more</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/models/flood/asia-pacific-flood">Asia-Pacific flood</a></h3> <p> Economic losses from weather-related events in Asia-Pacific average around $54 billion each year (Aon), and recent events such as severe floods in Japan and the Kerala floods in India during 2018, show that flood risk is breaking new records. Modeling all sources of flood risk is essential, and Moody's RMS has recently launched its Moody's RMS Japan Typhoon and Flood HD Model to help the industry understand both typhoon and non-typhoon flooding losses. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-four-with-slider/2023-06/India-Inland-Flood_Thumbnail.jpeg" width="250" height="250" alt="Asia-Pacific Flood" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Asia-Pacific flood</h3> <a href="/models/flood/asia-pacific-flood" class="learn-more">Learn more</a> </div> </div> </div> <div class="item-box"> <div class="no-state"> <div class="text-block"> <h3><a href="/models/flood/global-flood-maps">Global flood data and maps</a></h3> <p> Moody's RMS Global Flood Data and Maps provide high-resolution, high-quality tools to plug gaps in flood risk assessment and complement existing flood solutions in any country. </p> </div> </div> <div class="hover-state"> <div class="bg-img-top"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-four-with-slider/2023-06/flood-map-408.jpg" width="408" height="340" alt="Global Flood Data and Maps" typeof="foaf:Image" /> </div> <div class="content-footer"> <h3>Global flood data and maps</h3> <a href="/models/flood/global-flood-maps" class="learn-more">Learn more</a> </div> </div> </div> </div> </div> </div> <div class="button-wrap"> <span class="button pre-btn"></span> <span class="button next-btn"></span> </div> </div> </section> <section class="two-col-with-image image-reverse" data-id="" > <div class="container"> <div class="column-wrapper"> <div class="slider"> <div class="item"> <div class="card align-center"> <div class="image-box"> <a href="#" class="video-play play-icon" data-video="https://player.vimeo.com/video/651790504"> <span class="sr-only">link</span> </a> <img loading="lazy" src="/sites/default/files/content/paragraph/spotlightv3/2021-06/Lindsay-Stone-5.jpeg" width="648" height="474" alt="Lindsay Stone" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Understanding inland flood risk </h4> <div class="inner-content"> <p>With 2.2 billion people, or 29 percent of the world population, living in locations that are expected to experience some level of inundation during a 1-in-100-year event, (re)insurers face growing concentrations and severity of risk. To develop a profitable book of business, they must understand and quantify what drives flood risk to develop more effective flood risk management strategies. Take a quick look at what drives inland flood risk in this video.</p> </div> <span class="remaining-text"> </span> <a href="#" class="btn-red video-play" data-video="https://www.youtube.com/embed/OZSLeZI3UkQ" tabindex="0"> <span>Watch video</span> <p style="display: none;">Understanding Inland Flood Risk </p> </a> </div> </div> </div> </div> </div> </div> </section> <section class="two-col-with-image bg-grey " data-id="" > <div class="container"> <div class="column-wrapper"> <div class="slider"> <div class="item"> <div class="card align-top"> <div class="image-box"> <a href="#" class="video-play play-icon" data-video="https://player.vimeo.com/video/651790349"> <span class="sr-only">link</span> </a> <img loading="lazy" src="/sites/default/files/content/paragraph/spotlightv3/2021-06/Firas%20Headshot1.jpg" width="380" height="188" alt="Firas Saleh" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Building a complete view of flood risk on risk modeler</h4> <div class="inner-content"> <p>Moody's RMS Inland Flood Models capture all sources of flood risk, including fluvial and pluvial flooding, at the highest hazard resolution. In markets with coastal and inland flood risk, Moody's RMS offers hurricane and extratropical cyclone models to help you build the most comprehensive view of flood risk.</p> <p>Watch this video to learn about the importance of building a complete view of flood risk. We analyzed the losses from Hurricane Harvey to demonstrate how tropical cyclone-induced flooding contributed to more than 75 percent of losses.</p> </div> <span class="remaining-text"> </span> <a href="#" class="btn-red video-play" data-video="https://www.youtube.com/embed/Y1eVvTDV9EE" tabindex="0"> <span>Watch video</span> <p style="display: none;">Building a Complete View of Flood Risk on Risk Modeler</p> </a> </div> </div> </div> </div> </div> </div> </section> <section class="two-col-with-image image-reverse" data-id="" > <div class="container"> <div class="column-wrapper"> <div class="slider"> <div class="item"> <div class="card align-center"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/spotlightv3/2024-10/Integrated-approach-569x410_0.jpg" width="569" height="410" alt="flooded community" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4></h4> <div class="inner-content"> <p>Discover our latest white paper, which finds that over 2.3 billion people are currently at risk of significant inland flooding, with another 240 million threatened by coastal flooding. This comprehensive study not only sheds light on the current vulnerabilities but also reveals a worrying trend of increasing exposure to flood risks. Understand the depth of these challenges and the implications for communities worldwide by exploring our in-depth analysis.</p> </div> <span class="remaining-text"> </span> <a href="https://www.rms.com/sites/default/files/content/rms-files/pdf-files/an-integrated-approach-to-evaluate-population-exposure-to-inland-and-coastal-flooding.pdf" target="_self" class="btn-red"><span>Read now</span></a> </div> </div> </div> </div> </div> </div> </section> <section class="statistic-slider stats wow fadeIn bg-moodys-blue " data-wow-delay="0.4s" > <div class="container"> <div class="items"> <div class="item-box"> <strong> <p><strong>Flood accounts for</strong></p> <p><span>40%</span></p> </strong> <strong> <p>of global natural hazard events (Munich Re)</p> </strong> </div> <div class="item-box"> <strong> <p><strong>Flood represents up to</strong></p> <p><span>25%</span></p> </strong> <strong> <p>of all secondary peril insured losses in 2011-20 (SwissRe)</p> </strong> </div> <div class="item-box"> <strong> <p><strong>Nearly <span>29%</span></strong></p> <p><strong>of the world's population</strong></p> </strong> <strong> <p>is at risk of intense flooding (World Bank)</p> </strong> </div> </div> <div class="button-wrap"> <strong class="pre-btn"></strong> <div class="dots-outer"></div> <strong class="next-btn"></strong> </div> </div> </section> <section class="intro-section " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Moody's global flood solutions</h2> <p>Flood risk poses unique challenges to stakeholders across the entire risk value chain – from the smallest domestic primary to the largest global reinsurer. Moody's flood solutions are tailored to meet unique market needs with extensive loss validation, high hazard resolution, and the most up-to-date mitigation response, yet they are designed to tackle global flood risk by leveraging our robust, highly scalable cloud based, Intelligent Risk Platform™.</p> <div class="button-box"> </div> </div> </div> </section> <section class="info-with-tabs service-home blue-grid bg-white-grid " > <div class="bg-img"> <img loading="lazy" src="/sites/default/files/content/paragraph/info-with-tabs/2024-05/blue-pattern_2.png" width="1440" height="588" alt="blue bg" typeof="foaf:Image" /> </div> <div class="container"> <div class="row-wrap column-wrapper wow fadeInUp" data-wow-delay="0.4s"> <button class="open"> <div class="cover"> <div class="icon-box"> <?xml version="1.0" encoding="UTF-8"?> <svg width="56px" height="56px" viewBox="0 0 56 56" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink">  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encoding="UTF-8"?> <svg width="56px" height="56px" viewBox="0 0 56 56" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink">  <title>portfolio-management</title> <desc>Created with Sketch.</desc> <g id="portfolio-management" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M35.3148934,10 C35.4866285,10 35.6547169,10.0442112 35.8033382,10.1274038 L35.9109068,10.1970255 L41.6296568,14.4418078 C41.8520363,14.6068706 41.9945539,14.8555243 42.0267086,15.1271443 L42.0336434,15.2447823 L42.0333733,23.546 L47.6653733,23.5467772 C48.2939494,23.5467772 48.7562656,24.1155962 48.6510442,24.7165957 L48.6245664,24.8295292 L42.4183563,45.8846699 C42.349774,46.2061193 42.1267231,46.4703655 41.8306231,46.5959888 L41.7701682,46.6191552 L41.6674134,46.648992 L41.5569941,46.6682718 L41.4597003,46.6750147 L9.14037333,46.6750147 C8.64883292,46.6750147 8.24012437,46.3203542 8.15616509,45.852981 C8.07773924,45.7311681 8.02391683,45.5856161 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C18.6384067,15.2965838 20.4273463,11.2154773 22.7094837,8.70693173 Z M43.0005817,21.5628234 C44.8658183,22.2585393 46.4282601,23.0824104 47.6003562,23.9993698 C46.0972458,16.5986706 40.5083291,10.6820808 33.2908314,8.70729723 L33.3280428,8.74837216 C34.9041477,10.4969011 36.2429328,12.997146 37.2233612,16.0070333 L37.2065435,16.0076949 C37.3037154,16.0025864 37.4015557,16 37.5,16 C40.5375661,16 43,18.4624339 43,21.5 L43.0005817,21.5628234 Z M28,8 C24.6072707,8 21.3167717,12.8070079 19.8281317,19.8274922 C22.2301826,19.4424011 24.8426099,19.2222149 27.5770986,19.2015934 L28,19.2 C29.5158733,19.2 30.9959385,19.2613252 32.4255356,19.3781116 L32.4952976,19.2157729 C33.0628769,17.9742299 34.0788605,16.9806009 35.3361081,16.4420262 L35.2702832,16.4707371 L35.2702832,16.4707371 C33.6032643,11.4250266 30.93116,8.13603067 28.1722224,8.00412093 L28,8 Z" id="Combined-Shape" fill="#C7C7C7" fill-rule="nonzero"></path> </g> </svg> </div> <p>Reinsurance flood risk underwriting </p> <span class="active-arrow"></span> </div> </div> </div> <div class="text-with-image tab-text hide" id="tab-B"> <div class="col-two text-content"> <h4>Primary flood risk underwriting</h4> <p>Our award-winning high-definition (HD) model framework enables modelers to explicitly capture the spatial and temporal correlations of flood risk as well as simulate losses at the location-coverage level, from the ground up, providing the most comprehensive representation of flood risk to help improve risk selection. Specialty add-ons are available for understanding the unique risk profiles of industrial facilities, buildings under construction, and marine cargo and specie across markets.</p> <div class="button-box"> <a href="https://www.rms.com/solutions/underwriting" class="learn-more">Learn more</a> </div> </div> <div class="col-two bg-img "> <div class="img-wrapper"> <div class="top-border"></div> <img loading="lazy" src="/sites/default/files/content/paragraph/info-with-tabs/2021-06/underwriting_0.jpeg" alt=""> </div> </div> </div> <div class="text-with-image tab-text " id="tab-C"> <div class="col-two text-content"> <h4>Regulatory reporting and solvency</h4> <p>Confidently demonstrate to regulators that you have a complete understanding of your flood risk and comply with the corresponding local regulations. Optimize capital reserves and gain a full understanding of market risk by grouping flood models with correlated perils (such as windstorm) or with non-correlated perils (such as earthquake).</p> <div class="button-box"> <a href="https://www.rms.com/solutions/regulatory-affairs" class="learn-more">Learn more</a> </div> </div> <div class="col-two bg-img "> <div class="img-wrapper"> <div class="top-border"></div> <img loading="lazy" src="/sites/default/files/content/paragraph/info-with-tabs/2021-06/regulatory-affairs-3.jpeg" alt=""> </div> </div> </div> <div class="text-with-image tab-text " id="tab-D"> <div class="col-two text-content"> <h4>Portfolio management</h4> <p>Gain a detailed understanding of your flood risk including all sources of inland flooding such as fluvial and pluvial flooding, in addition to other, regionally important sources of flooding such as tropical cyclone-induced flooding. Make use of hundreds of primary risk classifications in addition to secondary modifiers to appropriately represent your exposure to flooding. Furthermore, exploit unique features such as bespoke fluvial flood defenses to build your own view of risk.</p> <div class="button-box"> <a href="https://www.rms.com/solutions/portfolio-management" class="learn-more">Learn more</a> </div> </div> <div class="col-two bg-img "> <div class="img-wrapper"> <div class="top-border"></div> <img loading="lazy" src="/sites/default/files/content/paragraph/info-with-tabs/2021-06/portfolio-management-hero-1_0.jpeg" alt=""> </div> </div> </div> <div class="text-with-image tab-text " id="tab-E"> <div class="col-two text-content"> <h4>Reinsurance flood risk underwriting </h4> <p>Flooding is not constrained by geopolitical boundaries and can persist over a period of days to several weeks. In particular, large tail events may impact numerous countries at the same time, as well as disparate regions within a single country. With the explicit consideration of the correlation of flood risk in space and time, reinsurers can reliably assess their exposure to large losses across their portfolios and model complex policy terms, including hours clauses.</p> <div class="button-box"> <a href="https://www.rms.com/solutions/reinsurance" class="learn-more">Learn more</a> </div> </div> <div class="col-two bg-img "> <div class="img-wrapper"> <div class="top-border"></div> <img loading="lazy" src="/sites/default/files/content/paragraph/info-with-tabs/2021-06/solutions-reinsurance-1_0.jpeg" alt=""> </div> </div> </div> </div> </div> </section> <section class="intro-section no-padding " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Spotlight</h2> <div class="button-box"> </div> </div> </div> </section> <section class="slider-image-with-text" > <div class="container wow fadeInUp" data-wow-delay="0.4s"> <div class="column-wrapper"> <div class="slider"> <div class="item has-link" data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/spotlight-v1/2021-06/June-2019-Holly-Widen-Flood-Award-image-720px-624x544.jpg" width="624" height="544" alt="Trading Risk Awards" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>An award-winning U.S. inland flood model</h4> <div class="inner-content"> <p>The Moody's RMS U.S. Inland Flood HD Model was awarded the “Initiative of the Year” prize at the prestigious Trading Risk Awards held in London in 2019.</p> </div> <span class="remaining-text"> <p></p> </span> <a class="learn-more" href="/blog/2019/06/27/an-award-winning-us-inland-flood-model">Learn more</a> </div> </div> </div> <div class="item has-link" data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/spotlight-v1/2021-06/insurance-awards-2017.jpeg" width="568" height="416" alt="Award" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Award-winning Europe flood HD models</h4> <div class="inner-content"> <p>Moody's RMS Europe Inland Flood HD Models won the “Best Catastrophe Risk Modeling Solution” Award at the 2017 InsuranceERM Awards held in London.</p> </div> <span class="remaining-text"> <p></p> </span> <a class="learn-more" href="/newsroom/press-releases/press-detail/2018-01-16/rms-wins-best-catastrophe-risk-modeling-solution-at-2017-insuranceerm-awards-trg">Learn more</a> </div> </div> </div> <div class="item has-link" data-id=""> <div class="card align-top"> <div class="image-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/spotlight-v1/2024-05/Season_of_Flood_image.png" width="1142" height="832" alt="Season of Flood" typeof="foaf:Image" /> </div> <div class="text-wrapper"> <h4>Season of flood webinar series</h4> <div class="inner-content"> <p>Join us as we travel the globe to unravel some of the industry’s most complex flood risk management challenges – from closing the insurance gap to incorporating climate change into your risk decision.</p> <p>In this series, we explore the evolution of flood risk and how technology, data, analytics, and a unified cloud platform can be applied to meet your flood challenges today and beyond. </p> </div> <span class="remaining-text"> <p></p> </span> <a class="learn-more" href="https://www.rms.com/events/season-of-flood">Watch now</a> </div> </div> </div> </div> <div class="button-wrap"> <span class="pre-btn"></span> <div class="dots-outer"></div> <span class="next-btn"></span> </div> </div> </div> <div class="spotlight-overlay"> <div class="content-wrap"> <div class="inner-wrap"></div> <div class="close-btn"></div> </div> </div> </section> <section class="intro-section bg-grey " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Regional and country inland flood models</h2> <div class="button-box"> </div> </div> </div> </section> <section class="col-two-map bg-grey "> <div class="container"> <div class="wrapper"> <div class="content-wrap"> <div class="column-4"> <div class="text-wrap"> <h4>Regional Models</h4> <h5>Click a region on the interactive map to see coverage.</h5> </div> <a href="/models">See Global Model coverage</a> </div> <div class="column-8"> <div class="inner-content"> <div class="img-wrap"> <img loading="lazy" src="/themes/custom/rms/templates/dist/images/maps/global-map-2.svg" alt="Global Map"> </div> <div class="location-wrap"> <div class="hovered-cards"> <div class="item" id="north-america"> <span class="dot large-dot"></span> <div class="card"> <div class="heading"> <h5>North America Flood Models</h5> </div> <div class="card-body"> <ul> <li> <p>United States</p> </li> </ul> <div class="view-more"> <a href="#">More</a> </div> <div class="details"> <a href="/models/flood/us-inland-flood">North America Flood Models</a> </div> </div> </div> </div> <div class="item" id="europe"> <span class="dot large-dot"></span> <div class="card"> <div class="heading"> <h5>Europe Flood Models</h5> </div> <div class="card-body"> <ul> <li> <p>Austria</p> </li> <li> <p>Belgium</p> </li> <li> <p>Czech Republic</p> </li> <li> <p>France (including Monaco)</p> </li> <li> <p>Germany</p> </li> <li> <p>Hungary</p> </li> <li> <p>Ireland</p> </li> <li> <p>Italy (including San Marino and Vatican City)</p> </li> <li> <p>Liechtenstein</p> </li> <li> <p>Luxembourg</p> </li> <li> <p>Poland</p> </li> <li> <p>Slovakia</p> </li> <li> <p>Switzerland</p> </li> <li> <p>United Kingdom</p> </li> </ul> <div class="view-more"> <a href="#">More</a> </div> <div class="details"> <a href="/models/flood/europe-inland-flood" target="_blank">Europe Flood Models</a> </div> </div> </div> </div> <div class="item" id="asia-pacific"> <span class="dot large-dot"></span> <div class="card"> <div class="heading"> <h5>Asia-Pacific Flood Models</h5> </div> <div class="card-body"> <ul> <li> <p>China</p> </li> <li> <p>Hong Kong</p> </li> <li> <p>India</p> </li> <li> <p>Indonesia</p> </li> <li> <p>Japan</p> </li> <li> <p>Macau</p> </li> <li> <p>Malaysia</p> </li> <li> <p>New Zealand</p> </li> <li> <p>Philippines</p> </li> <li> <p>Singapore</p> </li> <li> <p>South Korea</p> </li> <li> <p>Taiwan</p> </li> <li> <p>Thailand</p> </li> </ul> <div class="view-more"> <a href="#">More</a> </div> <div class="details"> <a href="/models/flood/asia-pacific-flood" target="_blank">Asia-Pacific Flood Models</a> </div> </div> </div> </div> </div> <div class="region-name"> <h6 id="north-america">North America</h6> <h6 id="latin-america">Latin America</h6> <h6 id="europe">Europe</h6> <h6 id="asia-pacific">Asia-Pacific</h6> </div> </div> </div> <div class="mobile-cards"> <div class="card north-america"> <div class="heading"> <h5>North America Flood Models</h5> </div> <div class="card-body"> <ul> <li> <p>United States</p> </li> </ul> <div class="view-more"> <a href="#">More</a> </div> <div class="details"> <a href="/models/flood/us-inland-flood">North America Flood Models</a> </div> </div> </div> <div class="card europe"> <div class="heading"> <h5>Europe Flood Models</h5> </div> <div class="card-body"> <ul> <li> <p>Austria</p> </li> <li> <p>Belgium</p> </li> <li> <p>Czech Republic</p> </li> <li> <p>France (including Monaco)</p> </li> <li> <p>Germany</p> </li> <li> <p>Hungary</p> </li> <li> <p>Ireland</p> </li> <li> <p>Italy (including San Marino and Vatican City)</p> </li> <li> <p>Liechtenstein</p> </li> <li> <p>Luxembourg</p> </li> <li> <p>Poland</p> </li> <li> <p>Slovakia</p> </li> <li> <p>Switzerland</p> </li> <li> <p>United Kingdom</p> </li> </ul> <div class="view-more"> <a href="#">More</a> </div> <div class="details"> <a href="/models/flood/europe-inland-flood" target="_blank">Europe Flood Models</a> </div> </div> </div> <div class="card asia-pacific"> <div class="heading"> <h5>Asia-Pacific Flood Models</h5> </div> <div class="card-body"> <ul> <li> <p>China</p> </li> <li> <p>Hong Kong</p> </li> <li> <p>India</p> </li> <li> <p>Indonesia</p> </li> <li> <p>Japan</p> </li> <li> <p>Macau</p> </li> <li> <p>Malaysia</p> </li> <li> <p>New Zealand</p> </li> <li> <p>Philippines</p> </li> <li> <p>Singapore</p> </li> <li> <p>South Korea</p> </li> <li> <p>Taiwan</p> </li> <li> <p>Thailand</p> </li> </ul> <div class="view-more"> <a href="#">More</a> </div> <div class="details"> <a href="/models/flood/asia-pacific-flood" target="_blank">Asia-Pacific Flood Models</a> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="intro-section no-margin-bottom " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Frequently asked questions</h2> <div class="button-box"> </div> </div> </div> </section> <section class="we-accordian-three no-margin-bottom " > <div class="container"> <div class="column-wrapper"> <div class="text-items "> <h5>What are the benefits of high-precision flood coverage across the globe?</h5> <span> <svg xmlns="http://www.w3.org/2000/svg" width="17.414" height="10.122"> <path fill="none" stroke-width="2" d="M.708.707l7.985 8 8.015-8"/> </svg> </span> <p>Moody's RMS is the only catastrophe flood modeling partner that models 80 percent of global property gross written premium using a fully probabilistic approach that includes robust event sets and each model component validated by extensive local loss data. For flood risk outside of these markets, our innovative set of Global Flood Maps offers advanced machine learning insights built on a wealth of flood hazard data. With Moody's RMS flood models and maps, the Moody's Global Flood Solutions Suite covers 100 percent of global gross written premium. Our unified approach to flood risk provides consistency across your business, helping you manage flood complexity, close the insurance gap with confidence, and build a comprehensive global portfolio. </p> <div class="hide-show-content"> </p> </p> </div> </div> <div class="text-items "> <h5>Why are most Moody's RMS Flood Models run on Risk Modeler?</h5> <span> <svg xmlns="http://www.w3.org/2000/svg" width="17.414" height="10.122"> <path fill="none" stroke-width="2" d="M.708.707l7.985 8 8.015-8"/> </svg> </span> <p>Flooding can develop from multiple types of weather systems, persist over a period of days to weeks, and have localized to widespread impacts across borders. Capturing all spatial and temporal correlations and building robust views of risk with converging tail losses requires a powerful simulation-based approach and large stochastic event sets. As a high-gradient peril, flood modeling also requires analyzing detailed hazard and exposure data to understand building-level flood risk. To build the most realistic view of risk, Moody's RMS models use the HD methodology only available on Risk Modeler™. This highly scalable, flexible, cloud-native application enables (re)insurers to access all their flood models using a single application running on shared data architecture without capacity or compute concerns. </p> <div class="hide-show-content"> </p> </p> </div> </div> <div class="text-items "> <h5>How is climate change incorporated into your flood models?</h5> <span> <svg xmlns="http://www.w3.org/2000/svg" width="17.414" height="10.122"> <path fill="none" stroke-width="2" d="M.708.707l7.985 8 8.015-8"/> </svg> </span> <p>Moody's RMS Flood Models are calibrated using recent data to reflect current climate conditions. We continually review the latest scientific research on climate change to ensure that our models reflect the latest scientific consensus. Moody's also offers Climate Change Models that extend our industry-leading, comprehensive catastrophe models to capture the near- and long-term climate change risk outlook. </p> <div class="hide-show-content"> </p> </p> <div class="button-box"> <a href="https://www.rms.com/models/climate-change" class="learn-more">Learn More</a> </div> </div> </div> </div> </div> </section> <section class="intro-section no-padding-bottom bg-grey " > <div class="container wow fadeInUp " data-wow-delay="0.3s"> <div class="intro-box align-center"> <h2 class="h3">Related products </h2> <div class="button-box"> </div> </div> </div> </section> <section class="infor-detail bg-grey no-margin-bottom" > <div class="container wow fadeInUp" data-wow-delay="0.4s"> <div class="column-wrapper"> <div class="card-wrap"> <a href="https://www.rms.com/risk-intelligence/risk-modeler"> <span class="sr-only">link</span> </a> <div class="img-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-three-insights2021-06/Risk-Modeler-screen_3.jpg" width="720" height="720" alt="Risk Modeler 2.0" typeof="foaf:Image" /> </div> <div class="content-text"> <h5>Risk Modeler 2.0 <span></span> </h5> <p>Leverage structure-based modeling and analytical tools, including intelligent model processing and big data query capabilities.</p> <span class="learn-more">Learn more</span> </div> </div> <div class="card-wrap"> <a href="https://www.rms.com/risk-intelligence/exposureiq"> <span class="sr-only">link</span> </a> <div class="img-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-three-insights2021-06/exposureIQ-screen_1_0.jpeg" width="720" height="720" alt="ExposureIQ" typeof="foaf:Image" /> </div> <div class="content-text"> <h5>ExposureIQ <span></span> </h5> <p>Manage your entire book of business more efficiently and accurately than ever before with this purpose-built solution for analyzing exposure concentrations.</p> <span class="learn-more">Learn more</span> </div> </div> <div class="card-wrap"> <a href="https://www.rms.com/risk-intelligence/location-intelligence-api"> <span class="sr-only">link</span> </a> <div class="img-box"> <img loading="lazy" src="/sites/default/files/content/paragraph/col-three-insights2021-11/Location-Intelligence-Product_2-min.jpg" width="720" height="720" alt="Location Intelligence API" typeof="foaf:Image" /> </div> <div class="content-text"> <h5>Location Intelligence API <span></span> </h5> <p>Gain a better underwriting perspective with instant access to the world’s best catastrophe insights.</p> <span class="learn-more">Learn more</span> </div> </div> </div> </div> </section> <section class="ref cards-in-carousel wow fadeInUp " > <div class="intro-box green-border align-center wow fadeInUp" data-wow-delay="0.2s"> <h2 class="h3 center-title">News and Insights</h2> </div> <div class="heading-wrap back-option"> <div class="go-back"> <a data-slide="1" href="#">Back To Start</a> </div> </div> <div class="content-outer"> <div class="container wow fadeInUp" data-wow-delay="0.2s"> <div class="outer-wrapper wow fadeInUp" data-wow-delay="0.2s"> <div class="item-wrapper"> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2022-03/Aust%20Flood%20Blog%20422px.jpg" alt="Brisbane flooding"> </div> <div class="item-body"> <span>Blog</span> <h5>Australian Floods: Insurance Claims Rise Higher Than 2011 ...</h5> <p>The Insurance Council of Australia (ICA) reports that the unrelenting recent severe rainfall and subsequent flooding across Queensland and New South Wales in Australia have generated 163,853 insurance claims as of March 25, at an estimated cost of AU$2.451 billion (US$1.84 billion). Three East Coast Lows in succession across two weeks, from February 22 through to March 8, broke rainfall, river, and flood-depth records across parts of two vast states, at a time of heightened rainfall due to the continued influ...</p> </div> <a href="/blog/2022/03/30/australian-floods-insurance-claims-rise-higher-than-2011-floods"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2022-02/SE%20Asia%20Flood%20Blog%20422px.jpg" alt="Thailand Flood"> </div> <div class="item-body"> <span>Blog</span> <h5>RMS Launches New Probabilistic Flood Models to Simplify Fl...</h5> <p>The floods that severely impacted Malaysia and Indonesia between mid-December 2021 and mid-January 2022 remind insurers of the need to better manage flood risk in Southeast Asia, which also includes Singapore and Thailand. Thankfully, these recent floods did not reach the losses of the landmark 2011 Thailand Floods that still rank as second-highest insured flood loss ever recorded. To give (re)insurers the confidence to move forward with flood risk across a complex region, we are excited to announce the laun...</p> </div> <a href="/blog/2022/02/25/rms-launches-new-probabilistic-flood-models-to-simplify-flood-risk-management-across-southeast-asia"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2022-02/Aerial_FL_A-86668945%20422px.jpg" alt="Flood"> </div> <div class="item-body"> <span>Blog</span> <h5>Decrease your Susceptibility to Poor Insured Decisions: S...</h5> <p>Originally appeared in PropertyCasual360 The loss response of a location exposed to a given peril can vary significantly, even when exposed to the same hazard. In this case study, we highlight the importance of utilizing risk characteristics to improve underwriting decisions and refine technical pricing of flood and hurricane business. Underwriting and pricing guidelines are often built and applied to locations based on their exposure to a given hazard. This determines which risks make their way into the ...</p> </div> <a href="/blog/2022/02/08/decrease-your-susceptibility-to-poor-insured-decisions-smarter-underwriting-by-using-data-to-improve-risk-selection-and-refine-pricing"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2022-01/Oli%20Flood%20Blog%202%20422px.jpg" alt="Aerial coastal view"> </div> <div class="item-body"> <span>Blog</span> <h5>Five Things You Probably Didn’t Know About Flood Risk (Par...</h5> <p>This second blog of the series delves further into new insights generated from the RMS® Global Flood Maps. We have combined the maps across multiple return periods with country population data from various censuses and river basin data. Read part one for global insights, read on for regional insights. Here are three thoughts on regions that are tackling flood risk and regions that are the most exposed, as we travel from Scandinavia to the Middle East and through to the banks of the Ganges. Let’s examine what...</p> </div> <a href="/blog/2022/02/01/five-things-you-probably-didnt-know-about-flood-risk-part-two"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2022-01/Oli%20Flood%20Blog%201%20422px.jpg" alt="River"> </div> <div class="item-body"> <span>Blog</span> <h5>Five Things You Probably Didn’t Know About Flood Risk (Par...</h5> <p>RMS® Global Flood Maps are already generating a wealth of insight. Over a series of two blogs, I will be highlighting five interesting points about flood risk – by combining the maps across multiple return periods with country population data from various censuses and river basin data. In this blog, we’ll focus on the first two points by looking at the global flood trends and the regions that are the most disproportionately affected by flooding. These regions often have significant and growing levels of expo...</p> </div> <a href="/blog/2022/02/01/five-things-you-probably-didnt-know-about-flood-risk-part-one"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2021-07/AdobeStock_316567054%20422.jpg" alt="Flooded street"> </div> <div class="item-body"> <span>Blog</span> <h5>Introducing RMS Global Flood Solution Suite: Manage All Yo...</h5> <p>The Global Flood Challenge: Coverage, Complexity, and Precision Whether you are a global (re)insurer or a local primary insurer, building a profitable book of flood business can be challenging. To develop more effective flood risk management strategies or expand coverage in new markets, businesses must understand and quantify what drives flood risk. What needs to be considered? First, recognize the structure of flood insurance products. They are tailored to specific markets and dependent on the type of...</p> </div> <a href="/blog/2021/05/04/introducing-rms-global-flood-solutions-suite-manage-all-your-flood-risk-on-one-cloud-platform"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2021-09/Flood%20FEMA%20422px.jpg" alt="Tropical Cyclone flooding in Florida"> </div> <div class="item-body"> <span>Blog</span> <h5>Four Influences on the FEMA 1 Percent Probability Flood Li...</h5> <p>Where did the 1 percent probability flood line (100-year flood), the baseline metric for the U.S. flood insurance market, originate from? Why is it so important? I encourage you to watch my webinar for the RMS® Season of Flood series as I discuss the history of the 100-year flood event and the importance and influence of this metric. As I detail in this blog, there are many factors that determine how the 100-year flood event line is drawn. In the webinar, I also analyze the key differences between the Federa...</p> </div> <a href="/blog/2021/09/09/four-influences-on-the-fema-1-percent-probability-flood-line-and-why-the-industry-needs-an-independent-view"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/thumbnail/2021-07/Aerial_FL_A-86668945%20Steffi%20Flood%20422px.jpg" alt="Aerial image of flooded community"> </div> <div class="item-body"> <span>Blog</span> <h5>Season of Flood: Flood Risk Is Complex. Managing It Should...</h5> <p>As the world has witnessed, the recent catastrophic flooding, and resulting loss of life and damage across Germany, Belgium, and neighboring countries has again underlined the devastating nature of severe flood events, and as a risk modeling business, it reminds us of the need to understand all aspects of this peril. What progress are we making on helping clients and wider stakeholders understand flood risk? RMS® has been modeling flood risk for over 20 years now, and this year represents one of our most imp...</p> </div> <a href="/blog/2021/07/21/season-of-flood-flood-risk-is-complex-managing-it-shouldnt-be"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/inline-images/european%20flood.jpg" alt="european flood"> </div> <div class="item-body"> <span>Blog</span> <h5>European Floods and the Relationship with the North Atlant...</h5> <p>Stefano Zanardo, Principal Modeler, RMS Ludovico Nicotina, Senior Director – Modeling, RMS Arno Hilberts, Vice President, Model Development, RMS Steve Jewson, Scientific Research Consultant, RMS The North Atlantic Oscillation (NAO) describes the fluctuations in the difference of atmospheric pressure at sea level between two semi-permanent centers of low and high pressure in the North Atlantic: the Icelandic Low and the Azores High. Fluctuations between these centers control the strength and direction...</p> </div> <a href="/blog/2019/03/27/european-floods-and-the-relationship-with-the-north-atlantic-oscillation"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/2020-04/blog-2%20%281%29.jpg" alt="blog"> </div> <div class="item-body"> <span>Blog</span> <h5>Three Principles for Exposing the Hidden Risks (and Opport...</h5> <p>Building a profitable European flood portfolio is like walking a tightrope—a tricky balancing act. It is of course important to minimize your risk of significant losses. But while big losses certainly haunt the market—just remember&nbsp;the €1.7 billion claimed in the UK as&nbsp;a result of last December’s floods—being too cautious or overpricing will lead you to miss out on attractive opportunities. &nbsp;Striking the right balance is no easy task. Flooding is a complex affair, with many factors to consider ...</p> </div> <a href="/blog/2016/02/23/three-principles-for-exposing-the-hidden-risks-and-opportunities-within-your-european-flood-portfolio"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/inline-images/Theresa-Lederer-Flood.jpg" alt="Theresa Lederer Flood"> </div> <div class="item-body"> <span>Blog</span> <h5>The Value of Flood Protection: Quantifying the Benefits of...</h5> <p>Whenever the U.K. is hit by major flooding, attention quickly turns to the performance of the nation’s flood defenses. Some defenses, such as London’s Thames Barrier, are regularly recognized for their vital role in protecting people and property. The value of other mitigation measures, however, has been frequently challenged, such as when&nbsp;defenses failed to prevent significant flooding in Cumbria during storm Desmond&nbsp;in 2015. Notwithstanding such negative press, the prevailing view remains: mitigat...</p> </div> <a href="/blog/2019/06/18/the-value-of-flood-protection-quantifying-the-benefits-of-defenses-along-uk-rivers"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/themes/custom/rms/templates/assets/images/resources-generic.jpg" alt="resource"> </div> <div class="item-body"> <span>Publications</span> <h5>Investing in Flood Risk Management and Defenses</h5> <p>Learn more about the financial benefits of flood defenses</p> </div> <a href="/sites/default/files/2020-03/Flood-Re-RMS-Results-Summary-ABI-version.a_0_0.pdf" target="_blank"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/inline-images/5-Twitter.jpg" alt="Twitter"> </div> <div class="item-body"> <span>Blog</span> <h5>Hurricane Florence: Rainfall up to a 1,000-year Return Per...</h5> <p>Florence’s much anticipated landfall occurred at 11:15 UTC (7.15 a.m. local time) today, Friday, September 14, near Wrightsville Beach, North Carolina, as a Category 1 hurricane. Florence remains just within the Category 1 hurricane classification on Saffir-Simpson Hurricane Wind Scale (SSHWS); as of the 18:00 UTC National Hurricane Center (NHC) advisory today, maximum sustained winds were 75 miles per hour (120 kilometers per hour). Previous observations showed that at Cape Lookout there were sustained winds of...</p> </div> <a href="/blog/2018/01/14/hurricane-florence-rainfall-up-to-a-1000-year-return-period"><span class="sr-only">link</span></a> </div> </div> <div class="col-wrap"> <div class="item"> <div class="img-top"> <img loading="lazy" src="/sites/default/files/content/blog/field_image/2020-11/img-01.jpg" alt="waterfall"> </div> <div class="item-body"> <span>Blog</span> <h5>What If The Oroville Dam Had Collapsed Completely?</h5> <p>RMS modeling reveals the wider risk of U.S. flooding, and a significant protection gap A combination of heavy rainfall and melting snow had filled Lake Oroville in northern California near to its capacity. Dam operators released water through the main spillway to control the reservoir level, but a 300-foot hole unexpectedly emerged, and the surrounding soil was eroded by the water gushing out. Spillway outflows were reduced to stop the erosion. But this made the problem with rising reservoir levels worse, ...</p> </div> <a href="/blog/2017/03/03/what-if-the-oroville-dam-had-collapsed-completely"><span class="sr-only">link</span></a> </div> </div> </div> </div> </div> <div class="button-wrap"> <span class="button pre-btn"></span> <span class="button next-btn"></span> </div> </div> </section> <section class="cta" > <div class="bg-img"> <img loading="lazy" src="/sites/default/files/content/cta/contact-us_2_0.jpg" width="2880" height="800" alt="contact us" typeof="foaf:Image" /> </div> <div class="content-box"> <div class="container"> <div class="row"> <div class="col-md-7 col-sm-12 text-block wow fadeIn" data-wow-delay="0.4s"> <p class="cta-headline"> Confidently manage your flood risk </p> </div> <div class="col-md-5 col-sm-12 button-box wow fadeIn" data-wow-delay="0.4s"> <a href="https://www.rms.com/events/season-of-flood/contact-us" target="_self" class="btn-red"><span>Contact us</span></a> </div> </div> </div> </div> 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