logo image

Make Sense of Complexity

Our U.S. flood model considers complex hydrodynamics, multiple hazard sources, steep gradients, flood defense impacts, and individual building vulnerability to understand tail risk, adequately price, manage to defined risk tolerances, and help you implement a profitable flood strategy.

Complete Risk Outlook

Access a complete characterization of flood events built on 50,000 simulation years to inform confident capital allocation, solvency assessments, and pricing.

Measurable Sensitivities

Quantify impacts of mitigation efforts and failures with defended and undefended views of flood risk for appropriate risk selection, underwriting, and portfolio management.

Accurate Risk Differentiation

Capture critical exposure characteristics, including first floor height, to reflect each property’s unique vulnerability to flood and improve risk differentiation.

A Comprehensive Flood Solution

Proper flood modeling captures flood hazard from all sources and translates it to damage and financial costs, while accounting for complex policy terms.

All Flood Sources

Model all types of flooding—fluvial, pluvial, and storm surge driven by tropical and non-tropical cyclones—for a complete flood risk landscape.

Intelligent Assumptions

Fill gaps in flood defense data and key exposure attributes, including first floor height and basement presence, with intelligent modeling techniques.

Consistent View

Capture flooding from tropical cyclones using the same event set as the RMS U.S. Hurricane Model for a consistent and correlated view of risk.

HD Capabilities

Continuous simulation not only captures temporal aspects of flood hazard, including antecedent conditions, but also allows application of time-based policy terms.

Industry Leadership

Related Products

North Atlantic Hurricane
North Atlantic Hurricane

Manage key drivers of tropical cyclone risk across 40 countries.

Location Intelligence API

Gain better underwriting perspective with instant access to the world’s best catastrophe insights.


Manage your entire book of business more efficiently and accurately than ever before with this purpose-built solution for analyzing exposure concentrations.

Learn More


Meeting room

RMS September Update: New HD Models for Europe, New Zealand, and…

After recently launching new High Definition Models™ during August, we are delighted to announce that clients using RMS® Risk Modeler™, powered by RMS Risk Intelligence™, now have access to three additional HD Models™ covering new perils and regions in Europe, New Zealand, and the U.S.: Europe Severe Convective Storm HD Models: Comprehensive coverage of all sources of loss including hail, straight-line winds, and tornado risk for 17 countries, comes with…

Kamakura Japan Wikimedia

The Age of Innocence

Professor Ilan Noy holds a unique ”Chair in the…


Investing in Flood Risk…

Learn more about the financial benefits of flood…

Private Flood Insurers

Private Flood Insurers Not Yet…

Contact Us

RMS can Provide the Tools to Help Manage Your Flood Risk

close button
Video Title

Thank You

You’ll be contacted by an RMS specialist shortly.

RMS.com uses cookies to improve your experience and analyze site usage. Read Cookie Policy or click I understand.