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Quantifying Hurricane Risk

Tropical cyclones, known regionally as hurricanes, typhoons, or cyclones, are a significant source of annual catastrophe risk globally. RMS hurricane   modeling helps the market quantify risk to inform sound underwriting, portfolio management, and risk transfer decisions.  

Capture the Full Loss Potential

Assess risk across the full spectrum of landfalling, bypassing, and transitioning storms. RMS hurricane models are informed by extensive stochastic event sets and landfall rates specific to each basin or region.

Improve Risk Selection

Select and manage risk utilizing the latest RMS catastrophe modeling. RMS hurricane models incorporate advanced wind and water modeling methodologies to generate realistic representations, variations, and correlations of hurricane hazard within each region.

Better Risk Differentiation

Differentiate risks within and across regions, sub-perils, building characteristics, and mitigation efforts. At RMS, we model hurricane risk by including hundreds of unique vulnerability curves informed by localized hazard data, regional differences in building codes or construction, and insights from recent and historical events.

Tropical Cyclone Models

Regional Models

Click a region on the interactive map to see coverage.
See Global Model coverage
Global Map
North America Tropical Cyclone
  • Canada

  • Mexico

  • United States

Asia-Pacific Tropical Cyclone
  • Australia

  • China

  • Guam

  • Hong Kong

  • Japan

  • Macau

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

Latin America Tropical Cyclone
  • Caribbean
  • Anguilla

  • Antigua & Barbuda

  • Aruba

  • Bahamas

  • Barbados

  • Bermuda

  • Bonaire

  • British Virgin Islands

  • Cayman Islands

  • Cuba

  • Curacao

  • Dominica

  • Dominican Republic

  • Grenada

  • Guadeloupe

  • Haiti

  • Jamaica

  • Martinique

  • Montserrat

  • Puerto Rico

  • Saba

  • Sint. Maartin

  • St. Barthelemy

  • St. Eustatius

  • St. Kitts and Nevis

  • St. Lucia

  • St. Martin

  • St. Vincent and the Grenadines

  • Trinidad & Tobago

  • Turks & Caicos

  • U.S. Virgin Islands

  • Central America
  • Belize

  • Costa Rica

  • Guatemala

  • Honduras

  • Nicaragua

  • Panama

North America
Latin America
Europe
Asia-Pacific
North America Tropical Cyclone
  • Canada

  • Mexico

  • United States

Asia-Pacific Tropical Cyclone
  • Australia

  • China

  • Guam

  • Hong Kong

  • Japan

  • Macau

  • Philippines

  • Singapore

  • South Korea

  • Taiwan

Latin America Tropical Cyclone
  • Caribbean
  • Anguilla

  • Antigua & Barbuda

  • Aruba

  • Bahamas

  • Barbados

  • Bermuda

  • Bonaire

  • British Virgin Islands

  • Cayman Islands

  • Cuba

  • Curacao

  • Dominica

  • Dominican Republic

  • Grenada

  • Guadeloupe

  • Haiti

  • Jamaica

  • Martinique

  • Montserrat

  • Puerto Rico

  • Saba

  • Sint. Maartin

  • St. Barthelemy

  • St. Eustatius

  • St. Kitts and Nevis

  • St. Lucia

  • St. Martin

  • St. Vincent and the Grenadines

  • Trinidad & Tobago

  • Turks & Caicos

  • U.S. Virgin Islands

  • Central America
  • Belize

  • Costa Rica

  • Guatemala

  • Honduras

  • Nicaragua

  • Panama

hurricane

Drive Business Decisions With Hurricane Risk Modeling

Insurers and reinsurers can model hurricane risk to improve their competitive position and outperform. With greater understanding of structural risk and property valuations, you have deeper insight into the impact of natural hazards and catastrophes for better capital efficiency and to reduce loss ratio. Robust modeling gives you insights for expanded catastrophe risk management  and the power to accurately estimate risk, make informed decisions, and achieve an improved combined loss ratio. And with a single view of risk, you can assess your market position on an ongoing basis using the RMS hurricane models.

RMS hurricane risk modeling is validated against hazard and loss data from historical events to give you the insights you need to improve pricing accuracy. With a better understanding of economic risk and insurance loss estimation, you can manage your risk appetite and better deploy risk capital for optimal returns. When you model hurricane activity with RMS, you gain complete view of risk for all perils and sub-perils. It’s the level of detail you need to optimize your portfolio and improve underwriting profits.

Industry Leadership

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Resources

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Hurricane Laura
Blog
Atlantic Hurricane in 2020: Are We in Store for Another Record-Breaking Year?

In the midst of the 2020 Atlantic hurricane season, with storms forming in rapid sequence, records broken early in the season and four storms already producing significant damage in the Caribbean and U.S., whether we are headed for a record-breaking year is a good question. Various forecast agencies have issued mid-season updates, which signal prospects for the remainder of the season. But what about the 2020 season to date, and how does it compare to notably…

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Japan Typhoon and Flood
Blog
New Insights Within the Japan Typhoon and Flood HD Model

Japan lies in the northern reaches of the most active tropical cyclone (typhoon) basin in the world; the western North Pacific. Aspects of Japan’s geography, not least its position, make it susceptible to typhoons. And as one of the world’s largest insurance markets, Japan has significant insured exposure at risk to typhoons. It is within this context that RMS has had a typhoon model for Japan for over 25 years—and have now launched our latest—the RMS Japan…

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Ridgecrest earthquake road
Blog
The Year of the Kitten

Almost three months ago we passed a remarkable record in catastrophe loss. And yet no one seems to want to celebrate it. No banner headlines in the newspapers. No speeches at the Monte Carlo Reinsurance Rendezvous. The first half of 2019 generated the lowest catastrophe insurance loss for more than a decade. The estimates come in at: US$15 billion (Munich Re), US$19 billion (Sigma), or US$20 billion (Aon). In straight dollar terms, independent of any…

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Three HU
Blog
How Did the 2017-2018 Hurricanes Affect Medium-Term Rates?

Earlier this year, RMS released its latest medium-term rates (MTR) forecast for the North Atlantic hurricane basin as part of the North Atlantic Hurricane Models Version 18.1 release. Applicable over the 2019-2023 period, the Version 18.1 forecast represents an update from the previous MTR forecast issued in 2017 for the 2017-2021 period, by reflecting hurricane activity from the 2017 and 2018 seasons. The MTR forecast provides a forward-looking estimate of…

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Hagibis-NPP
Blog
Typhoon Hagibis: Japan’s Wettest Typhoon on Record

Japan continues to assess the extent of the damage caused by Typhoon Hagibis, which made landfall near the Izu Peninsula in Shizuoka Prefecture on Saturday, October 12. Current reports state that at least 66 people have been killed, dozens of people are missing, and hundreds are injured. At this time, the worst impacted prefectures include Nagano, Saitama, Shizuoka, and Fukushima. However, the full extent of the damage is not expected to be known for several…

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Dorian
Blog
Northern Bahamas Devastated by Major Hurricane Dorian

Initial reports from the Bahamas suggest that the islands of Great Abaco and Grand Bahama have been left devastated from Major Hurricane Dorian, evoking memories of the destruction on the eastern Caribbean island of Barbuda in the immediate aftermath of Hurricane Irma just two years ago. A Record-Breaking Hurricane for the Bahamas and the Atlantic Dorian underwent an unprecedented period of rapid intensification between August 31 and September 1, that took…

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