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Confidently Manage European Flood Risk

Flooding is one of the costliest natural hazards in Europe, endangering lives and causing damage to buildings, infrastructure, and the economy. At the same time, it is one of the most challenging perils to model. Flood risk ignores borders, rainfall in one country can correlate to flooding in another. RMS Europe Inland Flood Models can help you make the right decisions based on the latest science, cutting-edge technology and data.

Extensive Coverage

Benefit from the largest single Europe-wide event set on the market, covering 14 countries and over 8,500 catchments.

Specify Exposure

As the vulnerability to flooding varies significantly from property-to-property, choose from over 300 primary risk classifications and 14 secondary modifiers to appropriately represent your exposure to flooding.

Account for Defenses

Incorporate your own site knowledge or test different flood defense scenarios, enabled by our industry-leading flood defense approach.

Build a Successful European Flood Strategy

Use data products for underwriting and pricing that are fully consistent with your probabilistic model-based portfolio, reinsurance, and solvency management to successfully move your flood strategy forward.

All Sources of Flooding

Capture the risk from fluvial (river) flooding, pluvial flooding (overland flow, minor rivers, rising groundwater, etc.) as well as flooding influenced by snow melt.

Location Detail

Overcome low resolutions with our exposure disaggregation functionality that exploits your properties’ characteristics to place them where they are likely located.

Time-Based Modeling

Explicitly account for and analyze the impact of time-based policy conditions such as the hours clause on your losses.

Across all Coverages

Split out losses for building, content, and business interruption, and quantify the impact of post-event loss amplification.


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Europe Inland Flood HD Model
Europe Inland Flood HD Models: Getting the Hydraulics Right

Flooding is undoubtedly complex – the product of many interlinked complex processes. These include precipitation, runoff formation and hydraulics alongside many others, that each play a major role in determining if and how a flood develops. It is not enough to capture precipitation and flood peaks when modeling flood, the physics of all the involved processes need to be well represented. A model must realistically assess how a landscape is physically inundated…

european flood
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…

Venice floodmark
Venice in Peril

The first time I noticed the coincidence I assumed there had been a mistake. The most-costly flooding in modern Italian history inundated the city of Florence on November 4, 1966. The Arno river burst its banks and flooded the low-lying heart of the city, with six meters (19.6 feet) of water in some riverine streets. A hundred people died and three to four million priceless medieval books and manuscripts along with precious artworks stored in basements, were…

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…

Theresa Lederer Flood
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…

IERM Awards
Press Release
RMS Wins Best Catastrophe Risk Modeling Solution at 2017 InsuranceERM Awards

London, U.K. - January 16, 2018 RMS, a global risk modeling and analytics firm, has won a prestigious award for its new high-definition flood models for Europe, in recognition of their potential to transform risk management for the continent’s flood (re)insurers. The RMS Europe Inland Flood HD Models were awarded Best Catastrophe Risk Modeling Solution at the 2017 InsuranceERM Awards. In the last two decades, flood has accounted for a…

Just How Unlucky Was Britain to Suffer Desmond, Eva, and Frank in a Single December?

Usually, it’s natural disasters occurring elsewhere in the world that make headlines in Britain, not the other way around. But you’d have to have been hiding under a rock to have missed the devastation wrought by flooding in the U.K. last month, thanks to the triple-whammy of storms Desmond, Eva, and Frank. Initial analysis from the Association of British Insurers suggests that the damage done could run to the region of £1.3bn. But just how unlucky…

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