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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.

The Big Picture

Include all types of precipitation and sources of flooding to ensure a complete understanding of the flood risk.

Robust Vulnerability

A physics-based analytical flood damage model accounts for the impact of flood depth, flow velocity, and potential debris on a structure, precisely translating flood hazard to physical damage and financial costs.

Complete Flood Defenses

Incorporate the presence and level of protection of both permanent and temporary defenses beyond the limited publicly available information.

High-Definition Modeling

Simulate losses and sample uncertainty at coverage level and account for seasonality, event clustering, and antecedent conditions to accurately model policy terms.

RMS Global Flood Solutions

Industry Leadership

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Resources

Flooded houses

U.S. Flood: Why Is Flood Insurance Take-Up So Low?

Surveys suggest that 91 percent of American homeowners purchase insurance, but when it comes to flood risk the story could not be more different. Flooding is not covered in standard homeowner or renter policies, and the take-up of flood-specific coverage for homeowners is estimated to be around 15 percent – even though flood is a prevalent, nationwide peril. In the last decade, 98 percent of U.S. counties have been affected by flooding. According to the National…

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RMS September Update: New HD…

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European Floods and the…

Stefano Zanardo, Principal Modeler, RMS Ludovico…

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Horizons – RMS Model…

This edition focuses on the peril of inland flood, and…

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Horizons – RMS Edition No. 9

This edition includes articles across a range of…

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Three Principles for Exposing…

Building a profitable European flood portfolio is like…

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Understanding the Potential…

Over the past year, Europe has intermittently but…

Theresa Lederer Flood

The Value of Flood Protection:…

Whenever the U.K. is hit by major flooding, attention…

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The Value of Defense

Current flood defenses in the U.K. reduce annual…

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Investing in Flood Risk…

Learn more about the financial benefits of flood…

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Hurricane Florence: Rainfall up…

Florence’s much anticipated landfall occurred at 11:15…

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Confidently Manage Your Flood Risk

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