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Insurance Solutions

Formerly Moody’s RMS

Understand a Multi-Peril Risk

Quantify potential losses and effectively manage, underwrite, and price multi-peril, correlated risk across the U.S. and Canada to reduce your combined ratio. 

Specialized Vulnerability Curves

Includes all key winterstorm damage modes – roof collapse under snow, ice damming, wind damage, icing causing treefall, burst pipes, and basement flooding.

Split Out Sub-Perils

Examine losses from snow, ice, freeze, and extratropical winds individually or together, whether from rapid accumulation of small losses or large tail events costing billions.

Tested and Validated

Thorough validation tests both the model hazard and vulnerability functions, using sources ranging from respected climate data to detailed historic losses.

Model Features

Benefit from using our model to gain a clear understanding of your winterstorm risk.

Cross-Border Correlation

Understand U.S. and Canada cross-border risk correlation to assist with accumulation management and portfolio growth strategies.

Holistic View

Tap into the strengths of four-dimensional numerical weather modeling combined with statistical analysis of historical conditions.

Effective Benchmarking

Improve internal evaluation, stress testing, and benchmarking using reconstructions of nine major historic winterstorm events. 

Comprehensive Event Set

Use a fully representative stochastic event set characterizing 30,000 years of winterstorm activity, capturing all four sub-perils with spatial and temporal correlations.

Regional and Country Winterstorm Models

Regional Models

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

  • United States

North America
Latin America
North America Winterstorm
  • Canada

  • United States


Related Products

Explore a range of Moody's RMS peril risk models to complete your comprehensive model suite across North America.

U.S. Inland Flood HD Model

Identify suitable risks, implement refined underwriting guidelines, manage exposure accumulations, and design profitable growth strategies related to flood risk.

North America Severe Convective Storm

Manage your North America risk from isolated thunderstorms to multi-day, multi-state, and multi-peril storms, including hail, tornado, and straight-line wind.

Cyclone, Hurricane, and Typhoon
Cyclone, Hurricane, and Typhoon

Assess tropical cyclone risk to inform sound underwriting, portfolio management, and risk transfer decisions.

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Better understand your winterstorm risk

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