Flood
Gain a greater understanding of flood risk using comprehensive flood models.
Understanding Flood Impact
RMS flood models offer broad-scale, well-validated views of flood risk, helping insurers, reinsurers, governments, and financial institutions to gain necessary insights to adequately monitor, manage, and mitigate their flood risk and optimize risk transfer.
Comprehensive Metrics
Understand the unique characteristics of flood hazard and exposure management to fully comprehend and manage your flood risk.
Confident Risk Pricing
Get a detailed understanding of location-level risk to support more informed underwriting and risk selection.
Informed Risk Management
Quickly identify exposures to flood risk, highlight hot spots, and understand the expected impact by geography and line of business.
Complete View of Flood Risk
As the most widespread and frequent peril driving catastrophic property and casualty losses, having a complete view of flood risk is one of the most important challenges confronting (re)insurers today.
Regional and Country Inland Flood Models
Regional Models
Click a region on the interactive map to see coverage.
North America Flood Models
Europe Flood Models
Austria
Belgium
Czech Republic
France (including Monaco)
Germany
Hungary
Ireland
Italy (including San Marino and Vatican City)
Liechtenstein
Luxembourg
Poland
Slovakia
Switzerland
United Kingdom
Asia-Pacific Flood Models
North America
Latin America
Europe
Asia-Pacific
North America Flood Models
Europe Flood Models
Austria
Belgium
Czech Republic
France (including Monaco)
Germany
Hungary
Ireland
Italy (including San Marino and Vatican City)
Liechtenstein
Luxembourg
Poland
Slovakia
Switzerland
United Kingdom
Asia-Pacific Flood Models
Industry Leadership
An Award-Winning U.S. Inland Flood Model
The 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.
Award-Winning Europe Flood HD Models
RMS Europe Inland Flood HD Models won the “Best Catastrophe Risk Modeling Solution” award at the 2017 InsuranceERM Awards held in London.
Related Products
Resources
European Floods and the Relationship with the North Atlantic Oscillation
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…
Three Principles for Exposing the Hidden Risks (and Opportunities) Within Your European Flood Portfolio
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 the €1.7 billion claimed in the UK as a result of last December’s floods—being too cautious or overpricing will lead you to miss out on attractive opportunities. Striking the right balance is no easy task. Flooding…
The Value of Flood Protection: Quantifying the Benefits of Defenses Along U.K. Rivers
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 defenses failed to prevent significant flooding in Cumbria during storm Desmond in 2015. Flooding in the…
The Value of Defense
Current flood defenses in the U.K. reduce annual losses from river flooding by £1.1 billion, according to research by RMS Flooding is one of the most significant natural hazards for the U.K. with over five million homes and businesses in England at risk of flooding and coastal erosion, according to the Environment Agency. Flood barrier in Shropshire, England In 2015, the U.K. government announced a six-year, £2.3 billion investment in flood…
Investing in Flood Risk Management and Defenses
Learn more about the financial benefits of flood defenses
RMS Estimates Hurricane Harvey Insured Losses from Wind, Storm Surge and Inland Flood Damage will be Between USD $25 and $35 Billion
NEWARK, Calif. - September 09, 2017 - RMS has estimated that the insured loss from Hurricane Harvey will be between $25 to $35 billion, with an upper bound of $40 billion. This RMS estimate represents the insured losses associated with wind, storm surge, and inland flood damage, across Texas and Louisiana only. The estimate also includes gross losses accrued to the National Flood Insurance Program of $7 to $10 billion. RMS Best Industry Loss…
Hurricane Florence: Rainfall up to a 1,000-year Return Period
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…
What If The Oroville Dam Had Collapsed Completely?
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. …
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